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Heritage Insurance Holdings (HRTG)
NYSE:HRTG
HRTG Stock Chart & Stats
$27.09
>-$0.01(-0.08%)
At close: 4:00 PM EST
$27.09
>-$0.01(-0.08%)
Day’s Range― - ―
52-Week Range$9.89 - $31.98
Previous CloseN/A
Volume16.52K
Average Volume (3M)307.16K
Market Cap
$837.39M
Enterprise Value$261.73M
Total Cash (Recent Filing)$666.38M
Total Debt (Recent Filing)$101.66M
Price to Earnings (P/E)4.6
Beta0.88
Next Earnings
May 06, 2026EPS Estimate
1.48Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.15
Shares Outstanding30,911,434
10 Day Avg. Volume374,717
30 Day Avg. Volume307,158
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.27
Price to Sales (P/S)0.45
P/FCF Ratio4.69
Enterprise Value/Market Cap0.31
Enterprise Value/Revenue0.31
Enterprise Value/Gross Profit0.87
Enterprise Value/Ebitda1.18
Forecast
1Y Price Target
$36.50Price Target Upside34.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.33
Revenue Forecast (FY)$906.05M
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 $9.89 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 $837.39M.
When is Heritage Insurance Holdings’s upcoming earnings report date?
Heritage Insurance Holdings’s upcoming earnings report date is May 06, 2026 which is in 56 days.
How were Heritage Insurance Holdings’s earnings last quarter?
Heritage Insurance Holdings released its earnings results on Feb 23, 2026. The company reported $2.15 earnings per share for the quarter, beating the consensus estimate of $1.737 by $0.413.
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 1.48.
How many shares outstanding does Heritage Insurance Holdings have?
Heritage Insurance Holdings has 30,911,434 shares outstanding.
What happened to Heritage Insurance Holdings’s price movement after its last earnings report?
Heritage Insurance Holdings reported an EPS of $2.15 in its last earnings report, beating expectations of $1.737. Following the earnings report the stock price went down -2.656%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.50 (34.74% Upside)
$36.50 (34.74% Upside)
Blogger Sentiment
Bullish
HRTG Sentiment 83%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 789.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $426.6K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▲ 1.8%
Last 30 Days ▼ 7.0%
Last 30 Days ▼ 7.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
138.04%
12-Months-Change
Fundamentals
Return on Equity
47.28%
Trailing 12-Months
Asset Growth
8.77%
Trailing 12-Months
Company Description
Heritage Insurance Holdings
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners, and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, and emergency and recovery services; and property management, and reinsurance services. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as indirectly to approximately 1,500 retail locations through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.
HRTG Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong execution and materially improved profitability — large year-over-year increases in net income, a much stronger combined ratio, substantial growth in tangible book value, a high ROE, and robust surplus and capital positioning. Management highlighted disciplined underwriting, rate adequacy in over 90% of geographies, a meaningful increase in new business production, and expectations for improved reinsurance pricing. Headwinds noted include modestly lower in-force premiums (0.1% decline), competitive pressure in commercial residential (notably Florida), wildfire-related losses ($31.8M pretax) and some reserve strengthening for lingering CAT claims, as well as the planned reduction of a quota share program that may raise acquisition costs. On balance, the positive operational and financial improvements overwhelmingly outweigh the manageable challenges cited.View all HRTG earnings summariesHRTG Stock 12 Month Forecast
Average Price Target
$36.50
▲(34.74% Upside)
Technical Analysis
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Ownership Overview
13.21% Insiders
11.57% Mutual Funds
7.18% Other Institutional Investors
53.71% Public Companies and
Individual Investors