Heritage Insurance Holdings, Inc. (HRTG)

NYQ – Real Time Price. Currency in USD

25.86

+1.53 (6.29%)

At close: Jun 26, 2026, 4:00 PM EDT

25.80

-0.06 (-0.23%)

After-hours: Jun 26, 2026, 6:54 PM EDT

Stock details

Previous close: 25.86$
Day's range: 24.52 - 25.88$
52-week range: 16.83 - 31.98$
Volume: 1 409 898
Average volume: 543 130
Beta: -0.14
EPS (TTM): 6.52
PE ratio (TTM): 3.97
Forward P/E: 5.99
Market cap: 784 849 105
Shares outstanding: 30 349 927
Dividend yield: N/A
Next earnings date: 2026-08-11
Sector: Financials
Industry: Insurance - Property & Casualty

About the company

Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New... read more

CEO: Ernesto Garateix
Country: United States
IPO Date: 2014-05-23
Employees: 542
Fiscal Year End: January - December
Website: https://www.heritagepci.com

Revenue Breakdown

Residential Property Insurance / 100.00%

News

No Data

There are no news for this stock.

Chart: HRTG

Loading Chart...

Overall Score

4.7 / 1047%

Financial Strength

7.6

Profitability

5.4

Effectiveness

7.5

Growth

6.1

Forecast

2.8

Valuation

5.9

Dividend

Economic Moat

Octagon View

Strength & Weakness

Company's cash reserves $533.3M significantly exceed its total debt $99.0M, ensuring strong financial flexibility

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $23.0M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.79	3.60	9.0
Quick ratio	N/A	2.01	1.0
Debt to Equity	0.19	0.13	9.0
Debt to Assets	0.06	0.07	9.0
Interest coverage	N/A	18.18	10
Weighted average score			7.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	662M	738M	818M	847M	848M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	-64M	66M	94M	267M	276M
Net Income	-154M	45M	62M	196M	202M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	27.33	1.0
Operating margin %	23.90	0.12	9.0
Net margin %	17.16	9.64	10
EBITDA margin %	N/A	13.17	1.0
Cash flow margin %	11.69	9.67	6.0
Weighted average score			5.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	10.62	2.97	9.0
ROE	42.94	10.85	10
ROIC	33.39	9.58	10
ROCE	N/A	7.53	1.0
Weighted average score			7.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	2.25	-22.8	2.0
Next quarter	2.05	-61.11	2.0
Current year	1.62	-31.7	2.0
Next year	4.45	9.65	5.0
Weighted average score			2.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-1.22	-45.27	-44.64	110.56	3.3
Y/Y	0.54	19.72	20.2	1930.66	7.8
3y average	8.61	127.67	134.13	134.46	9.0
5y average	7.43	-124.95	-7.71	34.21	4.3
Weighted average score					6.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	3.97	86.06	10
PEG (5yr expected)	N/A	1.10	1.0
P/S	1.04	1.28	6.0
P/B	1.50	2.12	6.4
Weighted average score			5.9

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR5.66%

FCF 5 year CAGR4

Fair value40.93$

Stock price25.86$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$40.93

UndervaluedStock priceOvervalued

$25.86

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Ernesto Garateix

Country

United States

IPO Date

2014-05-23

Employees

542

Fiscal Year End

January - December

Website

https://www.heritagepci.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.79

3.60

9.0

Quick ratio

N/A

2.01

1.0

Debt to Equity

0.19

0.13

9.0

Debt to Assets

0.06

0.07

9.0

Interest coverage

N/A

18.18

Weighted average score

7.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

662M

738M

818M

847M

848M

Gross Profit

N/A

Operating Income

-64M

66M

94M

267M

276M

Net Income

-154M

45M

62M

196M

202M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

27.33

1.0

Operating margin %

23.90

0.12

9.0

Net margin %

17.16

9.64

EBITDA margin %

N/A

13.17

1.0

Cash flow margin %

11.69

9.67

6.0

Weighted average score

5.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

10.62

2.97

9.0

ROE

42.94

10.85

ROIC

33.39

9.58

ROCE

N/A

7.53

1.0

Weighted average score

7.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

2.25

-22.8

2.0

Next quarter

2.05

-61.11

2.0

Current year

1.62

-31.7

2.0

Next year

4.45

9.65

5.0

Weighted average score

2.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-1.22

-45.27

-44.64

110.56

3.3

Y/Y

0.54

19.72

20.2

1930.66

7.8

3y average

8.61

127.67

134.13

134.46

9.0

5y average

7.43

-124.95

-7.71

34.21

4.3

Weighted average score

6.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

3.97

86.06

PEG (5yr expected)

N/A

1.10

1.0

P/S

1.04

1.28

6.0

P/B

1.50

2.12

6.4

Weighted average score

5.9

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

Search stocks

Heritage Insurance Holdings, Inc. (HRTG)

Get all premium features to the best stock analysis tool

Finranks

Company

Contact us

Follow us

Heritage Insurance Holdings, Inc. (HRTG)

Stock details

About the company

Revenue Breakdown

News

Chart: HRTG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$40.93

$25.86

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: HRTG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$40.93

$25.86

Economic Moat