BLK
BlackRock, Inc.
BLK has lower modeled downside risk, despite its lower overall score.
HRTG
Heritage Insurance Holdings, Inc.
HRTG has a slight edge over BLK overall, supported by stronger valuation and stronger fundamentals.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
HRTG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HRTG's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HRTG.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
HRTG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.7x | $33.51 | 0% |
| Current | 4.7x | $33.50 | — |
| Fair | 6.7x | $47.72 | +42% |
| Forward | 7.1x | $33.50 | — |
| Expensive | 13x | $91.25 | +172% |
Historical ranges are pointers, not guarantees.
HRTG has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
HRTG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect HRTG's earnings and profitability to decline, with its revenue holding steady.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
HRTG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.72 | -34% |
| Q3 2026 | $7.11 | +47% |
| Q2 2026 | $7.02 | +102% |
| Q1 2026 | $6.52 | +158% |
| Q4 2025 | $6.32 | +214% |
| Q3 2025 | $4.83 | +93% |
| Q2 2025 | $3.47 | +78% |
| Q1 2025 | $2.53 | +54% |
| Q4 2024 | $2.01 | +17% |
HRTG has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over HRTG on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK's operating margin was 30% last quarter, about level with the same quarter a year ago, near the bottom of its range since 2019.
HRTG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $219.2M | +3.2% |
| Q2 2026 | $214.2M | +3% |
| Q1 2026 | $212.7M | +0.5% |
| Q4 2025 | $215.3M | +2.4% |
| Q3 2025 | $212.5M | +0.3% |
| Q2 2025 | $208M | +2.2% |
| Q1 2025 | $211.5M | +11% |
| Q4 2024 | $210.3M | +12% |
HRTG's revenue has grown year over year for 16 quarters in a row: $219M last quarter, up 3.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.5 points |
| Q2 2026 | 39% | +8 points |
| Q1 2026 | 24% | +3.8 points |
| Q4 2025 | 42% | +27 points |
| Q3 2025 | 33% | +28 points |
| Q2 2025 | 31% | +18 points |
| Q1 2025 | 20% | +8.2 points |
| Q4 2024 | 15% | -4.3 points |
HRTG has the edge over BLK on profitability, with a higher operating margin.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over HRTG on cash flow, with more consistent year-over-year improvement.
HRTG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.5M | -92% |
| Q2 2026 | $141M | +238% |
| Q1 2026 | $23M | +$24.3M |
| Q4 2025 | $10.9M | +$69.6M |
| Q3 2025 | $122.7M | +$139.1M |
| Q2 2025 | $41.8M | -72% |
| Q1 2025 | -$1.3M | -131% |
| Q4 2024 | -$58.6M | -160% |
HRTG's free cash flow was $184M over the past year, up 76% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HRTG.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
HRTG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -292K shares |
| 1 year | -4% | -1.2M shares |
| 3 years | +12% | +3.1M shares |
| 5 years | +6.6% | +1.8M shares |
| Available history | +1.9% | +552K shares |
HRTG has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $14.6M |
| Q1 2026 | $10M |
| Q4 2025 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
HRTG spent $26M buying back its own shares over the past year.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
HRTG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.7x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -1.8x | Net Cash |
| Q3 2025 | -2.2x | Net Cash |
| Q2 2025 | -2.4x | Net Cash |
| Q1 2025 | -2.7x | Net Cash |
| Q4 2024 | -3.3x | Net Cash |
HRTG has the edge over BLK on leverage, with a lower net debt burden relative to earnings.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
HRTG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.9 | Neutral |
| Stochastic | 50.1 | Neutral |
HRTG's weekly RSI is 57 (neutral) and its Stochastic is 50 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
HRTG PE vs Financial Services Sector
| Metric | HRTG | Sector median | Relative |
|---|---|---|---|
| PE | 4.7x | 13x | 64% below |
| PE % | 16 | 63 | 47 pts below |
HRTG has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over HRTG on trend strength, trading above more of its moving averages.
HRTG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.6 | 3.3% below |
| 20 week MA | $32.7 | 2.5% above |
| 50 week MA | $28.6 | 17% above |
| 100 week MA | $24.3 | 38% above |
| 200 week MA | $15.8 | 113% above |
HRTG's trend is up, with a small recent dip: it's below only its 8-week average, and 113% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.
HRTG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.4 | $10.1 | -24% |
| 2021 | $10.1 | $5.91 | -42% |
| 2022 | $5.91 | $1.85 | -69% |
| 2023 | $1.85 | $6.52 | +252% |
| 2024 | $6.52 | $12.1 | +85% |
| 2025 | $12.1 | $29.0 | +141% |
| 2026 YTD | $29.0 | $33.5 | +16% |
HRTG has the edge over BLK on returns for 2026, with the stronger performance.