Heritage Insurance Holdings (HRTG)
NYSE:HRTG
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HRTG Stock Chart & Stats
$27.22
>-$0.01(-0.08%)
At close: 4:00 PM EST
$27.22
>-$0.01(-0.08%)
Day’s Range― - ―
52-Week Range$16.83 - $31.98
Previous CloseN/A
Volume16.52K
Average Volume (3M)527.10K
Market Cap
$653.43M
Enterprise Value$240.42M
Total Cash (Recent Filing)$625.06M
Total Debt (Recent Filing)$99.05M
Price to Earnings (P/E)3.3
Beta0.54
Next Earnings
Aug 11, 2026EPS Estimate
1.18Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)6.53
Shares Outstanding30,349,924
10 Day Avg. Volume500,680
30 Day Avg. Volume527,097
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)1.79
Price to Sales (P/S)1.07
P/FCF Ratio5.19
Enterprise Value/Market Cap0.37
Enterprise Value/Revenue0.31
Enterprise Value/Gross Profit0.61
Enterprise Value/Ebitda0.83
Forecast
1Y Price Target
$35.00Price Target Upside28.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.23
Revenue Forecast (FY)$887.81M
Bulls Say, Bears Say
Bulls Say
Earnings PerformanceHeritage Insurance Holdings reported operating EPS of $0.61, beating both the analyst's estimate of $0.48 and the consensus of $0.41.
ProfitabilityThe company now appears to be solidly profitable after several years of price increases and more recent moderating claims inflation.
ValuationThe stock is trading at approximately 100% of book value and 4.6 times forward earnings, suggesting an attractive valuation.
Bears Say
Capital ConstraintsCapital remains tight, as confirmed by the Board’s continued suspension of the quarterly dividend and the lack of any buyback activity.
Growth LimitationsExcess capital is limited, which could limit growth potential and increase wind season risk.
Peer ComparisonShares of HRTG currently trade at about 1.0x tangible book value, compared to a peer median of 2.3x, indicating that the shares are fairly valued at current levels.
Heritage Insurance Holdings News
HRTG FAQ
What was Heritage Insurance Holdings’s price range in the past 12 months?
Heritage Insurance Holdings lowest stock price was $16.82 and its highest was $31.98 in the past 12 months.
What is Heritage Insurance Holdings’s market cap?
Heritage Insurance Holdings’s market cap is $653.43M.
When is Heritage Insurance Holdings’s upcoming earnings report date?
Heritage Insurance Holdings’s upcoming earnings report date is Aug 11, 2026 which is in 63 days.
How were Heritage Insurance Holdings’s earnings last quarter?
Heritage Insurance Holdings released its earnings results on May 07, 2026. The company reported $1.19 earnings per share for the quarter, missing the consensus estimate of $1.53 by -$0.34.
Is Heritage Insurance Holdings overvalued?
According to Wall Street analysts Heritage Insurance Holdings’s price is currently Undervalued.
Does Heritage Insurance Holdings pay dividends?
Heritage Insurance Holdings pays a Quarterly dividend of $0.06 which represents an annual dividend yield of N/A. See more information on Heritage Insurance Holdings dividends here
What is Heritage Insurance Holdings’s EPS estimate?
Heritage Insurance Holdings’s EPS estimate is 1.18.
How many shares outstanding does Heritage Insurance Holdings have?
Heritage Insurance Holdings has 30,349,924 shares outstanding.
What happened to Heritage Insurance Holdings’s price movement after its last earnings report?
Heritage Insurance Holdings reported an EPS of $1.19 in its last earnings report, missing expectations of $1.53. Following the earnings report the stock price went down -20.05%.
Which hedge fund is a major shareholder of Heritage Insurance Holdings?
Currently, no hedge funds are holding shares in HRTG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Heritage Insurance Holdings Stock Smart Score
Outperform
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Analyst Consensus
Moderate Buy
Average Price Target:
$35.00 (28.58% Upside)
$35.00 (28.58% Upside)
Blogger Sentiment
Bullish
HRTG Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 3.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $376.9K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days <0.1%
Last 30 Days ▼ 12.1%
Last 30 Days ▼ 12.1%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-14.01%
12-Months-Change
Fundamentals
Return on Equity
43.68%
Trailing 12-Months
Asset Growth
9.89%
Trailing 12-Months
Company Description
Heritage Insurance Holdings
Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The company also holds a licensing credential in the state of Pennsylvania. Beyond its core insurance offerings, Heritage Insurance Holdings, Inc. also delivers various supplementary services, such as restoration, emergency and recovery operations, property management, and reinsurance services. The distribution of its personal line policies is facilitated through diverse channels, including a network of retail independent agents, wholesale agents, and a dedicated partnership with a direct agency. Furthermore, its market reach indirectly extends to approximately 1,500 retail locations via eight distinct wholesale agency relationships. Both personal and commercial insurance policies are also offered through a network comprising around 70 independent agencies. Established in 2012, Heritage Insurance Holdings, Inc. is headquartered in Tampa, Florida.
HRTG Company Deck
HRTG Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call contained multiple clear operational and financial improvements (recordable first-quarter earnings, materially improved underwriting metrics at Heritage, ROE strength, strong retention and early new-business momentum, plus Calumet’s strategic milestones — MaxSAF on time and meaningful renewables and fuels tailwinds). Challenges were notable but largely manageable and often described as temporary: market-driven premium pressures in select book segments, modest expense ratio increases, a few operational outages and hedging/working-capital impacts at the fuels/renewables operator. On balance the positives (profitability, margin improvement, strategic capacity delivery, and liquidity/deleveraging focus) outweigh the negatives.View all HRTG earnings summariesHRTG Stock 12 Month Forecast
Average Price Target
$35.00
▲(28.58% Upside)
Technical Analysis
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Ownership Overview
11.75% Insiders
13.53% Mutual Funds
8.54% Other Institutional Investors
50.07% Public Companies and
Individual Investors