AII vs HRTG

For growth investors, Heritage Insurance Holdings, Inc.

(HRTG) is the stronger pick with 3. 7% revenue growth year-over-year, versus 1. 7% for American Integrity Insurance Group, Inc. (AII). Heritage Insurance Holdings, Inc. (HRTG) offers the better valuation at 4. 4x trailing P/E (6. 1x forward), making it the more compelling value choice. Analysts rate American Integrity Insurance Group, Inc. (AII) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Heritage Insurance Holdings, Inc.

(HRTG) is the cheapest at 4. 4x versus American Integrity Insurance Group, Inc. at 10. 1x. On forward P/E, Heritage Insurance Holdings, Inc. is actually cheaper at 6. 1x.

Over the past 5 years, Heritage Insurance Holdings, Inc.

(HRTG) delivered a total return of +201. 4%, compared to +22. 4% for American Integrity Insurance Group, Inc. (AII). Over 10 years, the gap is even starker: HRTG returned +119. 4% versus AII's +22. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), American Integrity Insurance Group, Inc.

(AII) is the lower-risk stock at 0. 49β versus Heritage Insurance Holdings, Inc. 's 0. 50β — meaning HRTG is approximately 2% more volatile than AII relative to the S&P 500. On balance sheet safety, American Integrity Insurance Group, Inc. (AII) carries a lower debt/equity ratio of 2% versus 20% for Heritage Insurance Holdings, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Heritage Insurance Holdings, Inc.

(HRTG) is pulling ahead at 3. 7% versus 1. 7% for American Integrity Insurance Group, Inc. (AII). On earnings-per-share growth, the picture is similar: Heritage Insurance Holdings, Inc. grew EPS 214. 4% year-over-year, compared to 5. 4% for American Integrity Insurance Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Heritage Insurance Holdings, Inc.

(HRTG) is the more profitable company, earning 23. 1% net margin versus 19. 4% for American Integrity Insurance Group, Inc. — meaning it keeps 23. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HRTG leads at 30. 6% versus 25. 0% for AII. At the gross margin level — before operating expenses — HRTG leads at 63. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Heritage Insurance Holdings, Inc.

(HRTG) trades at 6. 1x forward P/E versus 7. 0x for American Integrity Insurance Group, Inc. — 0. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for AII: 42. 3% to $28. 00.

In this comparison, AII (3.

1% yield) pays a dividend. HRTG does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, American Integrity Insurance Group, Inc.

(AII) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 49), 3. 1% yield). Both have compounded well over 10 years (AII: +22. 4%, HRTG: +119. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

AII pays a dividend while HRTG does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.