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Heritage Insurance Holdings, Inc. HRTG R2K

Financial Services · Insurance - Property & Casualty · United States
https://www.heritagepci.com
Company Profile ↓
$27.50
+26.96% 1Y
Mkt Cap$832.52M
P/E4.22
P/B1.30
52W High$31.14
52W Low$19.02
Book Value$17.21
EPS (TTM)$6.52

Company Overview

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 Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 47.5%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 15.6% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 17.3% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 4.2, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 23.8%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.19.

Recent Developments

  • Dec 2025 Revenue of $847.33M (+3.7% YoY); net profit $195.59M.
  • Trailing 12 Months Year-on-year growth — revenue +0.5%, earnings +20.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 17.3%, profit CAGR 15.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:17.30%
1 Year:0.50%

Compounded Profit Growth

5 Years:15.64%
1 Year:20.10%

Stock Price Performance

1 Year:+26.96%
6 Months:+3.38%
3 Months:+2.96%
1 Month:+23.21%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 70% of range
$19.02 $31.14
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)63.57 · Neutral
Price Performance
1M+23.21%
3M+2.96%
6M+3.38%
1Y+26.96%
Valuation vs Sector

P/E of 4.22 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 47.5%.
  • Excellent profit margin of 23.8%.
  • Compounding revenue at 17.3% over 5 years.
  • Profit CAGR of 15.6% over 5 years.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
4.22
Industry PE
13.30
Forward P/E
6.00
PEG Ratio
-
Book Value
$17.21
Price to Book
1.30
P/S
0.80
EV/EBITDA
0.85
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
17.30%
Profit 5Y
15.64%
Revenue (YoY)
0.50%
Earnings (YoY)
20.10%

Profitability & Returns

ROCE
-
ROE
47.47%
ROA
8.13%
Profit Margin
23.76%
Op Margin
23.90%
Gross Margin
43.55%
EPS (Latest Qtr)
$1.19
EPS (TTM)
$6.52

Balance Sheet & Liquidity

Debt/Equity
0.19
Quick Ratio
0.43
Current Ratio
0.77
Debt
$99.05M
Total Assets
$2.02B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
19.78%
Chg in Prom Hold
0.00%
FII / Inst Holding
66.76%
Chg in FII Hold
0.06%

Financial Snapshot

Enterprise Value
$832.52M
Total Revenue (TTM)
$848.47M
EBITDA
$288.50M
Free Cash Flow
$159.88M
Operating Cash Flow
$206.26M
Shares Outstanding
30.27M
Gross Margin
43.55%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HRTG Heritage Insurance Holdings, Inc. R2K 27.50 4.22 $832.52M 0.00% - 47.47% 17.30% 15.64%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 115.28M109.31M102.81M99.29M96.94M101.77M108.62M112.03M117.97M125.30M124.88M118.26M122.84M131.70M138.50M132.71M136.01M165.12M159.55M147.24M150.20M167.41M166.71M158.61M163.77M165.49M174.59M176.92M185.31M186.30M186.96M191.30M203.57M211.85M210.26M211.52M208.03M212.46M215.32M212.66M
Operating Income 29.76M18.61M-3.64M11.89M13.06M1.41M23.17M24.82M8.15M14.22M22.35M11.50M3.07M13.48M21.51M12.76M6.96M-4.48M-5.06M-5.83M-3.99M-15.38M-42.87M-39.41M-85.55M-47.31M14.91M20.09M16.39M-9.44M36.17M22.70M27.64M11.75M31.52M42.44M64.87M70.17M89.68M50.82M
Net Income 18.37M10.93M-2.86M5.98M6.64M-8.70M-5.05M14.83M2.41M5.99M3.93M6.96M721.00K8.13M12.82M7.62M4.13M-5.23M2.81M-5.15M-3.95M-16.41M-49.22M-30.76M-87.87M-48.24M12.50M14.01M7.78M-7.42M30.94M14.22M18.87M8.15M20.29M30.47M48.02M50.42M66.67M36.48M
Diluted EPS 0.620.37-0.090.210.23-0.34-0.180.550.090.230.150.240.020.280.440.270.15-0.190.10-0.19-0.14-0.59-1.79-1.15-3.32-1.830.480.550.30-0.281.150.470.610.270.660.991.551.632.151.19

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 124.83M233.82M394.79M438.96M406.62M480.17M511.31M593.38M631.56M662.46M735.50M816.99M847.33M
Operating Income -74.25M150.29M56.77M49.53M69.54M49.57M10.19M-68.06M-157.36M63.22M93.61M267.15M
Net Income 34.21M47.10M92.51M33.87M-1.12M27.16M28.64M9.33M-74.73M-154.36M45.31M61.54M195.59M
Diluted EPS 2.361.823.051.14-0.041.040.980.33-2.69-5.861.732.016.32

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -281.98M615.03M837.40M1.03B1.77B1.77B1.94B2.09B1.98B2.39B2.12B2.47B2.20B
Total Equity 28.12M79.98M255.09M356.55M357.96M379.82M425.33M448.80M442.34M343.05M131.04M220.28M290.80M505.25M
Cash & Equivalents 63.87M65.06M160.48M236.28M105.82M153.70M250.12M268.35M440.96M359.34M280.88M463.64M452.67M559.27M
Long Term Debt ----72.91M184.41M148.79M129.25M121.00M120.76M128.94M119.73M116.32M78.43M
Total Liabilities -181.07M359.94M480.85M675.28M1.39B1.34B1.49B1.65B1.64B2.26B1.90B2.18B1.69B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ---82.95M7.49M96.34M119.66M170.21M60.13M-34.26M70.42M87.09M182.24M
Investing Cash Flow ----249.42M-7.24M23.45M-53.59M22.06M-124.48M-37.86M100.81M-91.60M-32.67M
Financing Cash Flow --9.64M43.83M47.56M-31.95M-45.43M-28.90M-17.28M-5.06M14.55M-5.19M-40.63M
Capital Expenditure -10.88M-6.93M-1.17M-1.62M-385.00K-2.28M-4.98M-755.00K-1.01M-8.56M-9.89M-8.23M-8.07M
Free Cash Flow ---81.33M7.10M94.06M114.67M169.46M59.12M-42.82M60.52M78.86M174.16M
Share Buybacks ---25.56M61.62M2.00M16.18M10.00M8.19M7.34M00-
Dividends Paid ---6.81M8.25M6.38M6.96M6.85M6.71M4.77M11.00K--

Ratios (Annual)

Figures in %.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------
Operating Margin % -31.8%38.1%12.9%12.2%14.5%9.7%1.7%-10.8%-23.8%8.6%11.5%31.5%
Net Margin % 27.4%20.1%23.4%7.7%-0.3%5.7%5.6%1.6%-11.8%-23.3%6.2%7.5%23.1%
ROE % 42.8%18.5%25.9%9.5%-0.3%6.4%6.4%2.1%-21.8%-117.8%20.6%21.2%38.7%
ROCE % -------------

Shareholding Pattern

Insiders
19.78%
Institutions
66.76%
Public Float
83.22%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.22% 2.19M $59.01M
2 Dimensional Fund Advisors LP 4.11% 1.25M $33.59M
3 Vanguard Capital Management LLC 3.30% 1.00M $26.97M
4 American Century Companies Inc 3.26% 988.95K $26.64M
5 Vanguard Portfolio Management LLC 2.79% 846.69K $22.81M
6 Geode Capital Management, LLC 2.43% 738.89K $19.91M
7 Connor Clark & Lunn Investment Management Ltd 1.82% 550.87K $14.84M
8 State Street Corporation 1.73% 525.10K $14.15M
9 Prudential Financial, Inc. 1.62% 492.09K $13.26M
10 Assenagon Asset Management S.A. 1.52% 461.84K $12.44M

Analyst View

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Latest News

Recent headlines for HRTG

Google News Wed, 29 Apr 2026

Should Value Investors Buy Heritage Insurance (HRTG) Stock? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxPeUxOaVA1YVllVWNESEsxRjRnUGRXQnU5ZzlISmNsUm45VVdZX2xxZmp2NkhEeXdrejFnWDZ6YmgzQjNmQzZwYzlZQkJGZHdON2xrc1RwcXItYVJJYzQ2U1B5RzFRSHJ0MUhTWmttVkJtYmhaTldVallDUHMzVldzWTJhZ1Y5dGRsWGFFNn…

Google News Fri, 10 Jul 2026

A Look at Heritage Insurance Holdings Inc (HRTG) After 3.5% Gain -- GF Value $24.95 vs Price $28.06 - GuruFocus

<a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxPSzNlYjE5LW5kRjQwaFJRRllHUmphUHZVVkVrLXpaUjh0ekdLS3RaWnhvT3htV3BtaUVxalBaYkRFc1RBUXZ4R2NXb0VucW5FX1JLRUdMVlZVNG5pRE9LZzdHbDlrUXBLbmxjbjJLaUxMZ3BjNVpBbDBPUHlWbk1keGg5UUNYU19oT3RBZ0…

Google News hu, 07 May 2026

Heritage Reports First Quarter 2026 Results - PR Newswire

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxQZGRQc05JUVVyMnVaamhYczdtSlBia0o0QVlhbWNwTnQyWkZVSXBoMHlNZ1BJMTdkMXZCQWtDT00zc2s0ZUJJenptUFI5TWg5a0Q0Ql9mdms2QS1lNVBFUDAtNWdqeFNVYXcwR2RmenlhVGxwU3RGdzhGVU5HM0ZyTEh4YWstelpyOHF0Um…

Google News hu, 09 Jul 2026

84,250 Shares in Heritage Insurance Holdings, Inc. $HRTG Purchased by Y Intercept Hong Kong Ltd - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi5wFBVV95cUxOcTVLY3IwMWVMbGlXeHd3VVlTZTdycHVJalNVLWkzVnkyWkFocEpCbFF6T19JU3ZMMGZZUEUyOURVMU9jZmw0MGczRGRTWExualkxeWFDYmFtVzk1UDc0eUxzWUxXeDBuaXpHNDkxVjB2MDhfWnZ6Tjh2ZUREa1F1b1E0S3lscUZ3UG04aE…

Google News hu, 04 Jun 2026

Heritage Insurance: Correction Is Not Yet Over, But Buying Opportunities Reappear (HRTG) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMivAFBVV95cUxOVlBoOVlKZ3YtblQwb2lpQlA5dXh1cUZIRXJpbWV3YzF1dVFLRFE3dENtbzZXWlVWRDRiaDFRLTBKZ3FYa0p0RmhjbjFKQ3hrQTRqVm5wYld2QkN1X1dBMG5ubHNmRjd4RnFyY2ttVllJWHdLbFBoQ0hVUEJMN2kzQlNVTHRtcWVnRmcwTG…

Google News Mon, 22 Jun 2026

Heritage Global (HRTG) files Rule 144 notice to sell 9,200 shares - Stock Titan

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HRTG — Frequently Asked Questions

What is the current share price of Heritage Insurance Holdings, Inc. (HRTG)?

As of 2026-07-14 21:23 PDT, Heritage Insurance Holdings, Inc. (HRTG) trades at $27.50 on NYSE. Its 52-week range is $19.02 to $31.14.

What is the market capitalisation of HRTG?

Heritage Insurance Holdings, Inc. (HRTG) has a market capitalisation of $832.52M on NYSE.

What is the P/E ratio of HRTG?

HRTG trades at a trailing price-to-earnings (P/E) ratio of 4.22. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.30.

What is the return on equity (ROE) of HRTG?

HRTG has a return on equity (ROE) of 47.47%.

Is HRTG a good stock to buy?

This page provides a data-driven analysis of Heritage Insurance Holdings, Inc. (HRTG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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