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Heritage Insurance Holdings, Inc. HRTG R2KR3KFINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://www.heritagepci.com
Company Profile ↓
$33.95
+53.76% 1Y
Mkt Cap$1.03B
P/E5.21
P/B1.86
52W High$35.21
52W Low$20.88
Book Value$17.65
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 45.3%, 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 5.2, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 25.2%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.16.

Recent Developments

  • Dec 2025 Revenue of $847.33M (+3.7% YoY); net profit $195.59M.
  • Trailing 12 Months Year-on-year growth — revenue +3.0%, earnings +32.3%.
  • 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:3.00%

Compounded Profit Growth

5 Years:15.64%
1 Year:32.30%

Stock Price Performance

1 Year:+53.76%
6 Months:+26.30%
3 Months:+53.20%
1 Month:-3.58%

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

Technical Snapshot Bullish
52-Week Range 91% of range
$20.88 $35.21
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)58.20 · Neutral
Price Performance
1M-3.58%
3M+53.20%
6M+26.30%
1Y+53.76%
Valuation vs Sector

P/E of 5.21 is below the sector median of 14.52 — 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 45.3%.
  • Excellent profit margin of 25.2%.
  • Compounding revenue at 17.3% over 5 years.
  • Profit CAGR of 15.6% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
5.21
Industry PE
14.52
Forward P/E
7.05
PEG Ratio
-
Book Value
$17.65
Price to Book
1.86
P/S
1.16
EV/EBITDA
1.46
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
17.30%
Profit 5Y
15.64%
Revenue (YoY)
3.00%
Earnings (YoY)
32.30%

Profitability & Returns

ROCE
-
ROE
45.28%
ROA
7.38%
Profit Margin
25.19%
Op Margin
39.15%
Gross Margin
45.39%
EPS (Latest Qtr)
$2.05
EPS (TTM)
$6.52

Balance Sheet & Liquidity

Debt/Equity
0.16
Quick Ratio
0.38
Current Ratio
0.82
Debt
$91.83M
Total Assets
$2.45B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
20.04%
Chg in Prom Hold
-0.03%
FII / Inst Holding
68.17%
Chg in FII Hold
0.10%

Financial Snapshot

Enterprise Value
$1.03B
Total Revenue (TTM)
$854.63M
EBITDA
$307.66M
Free Cash Flow
$174.16M
Operating Cash Flow
$182.24M
Shares Outstanding
30.27M
Gross Margin
45.39%
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. R2KR3KFINANCIAL 33.95 5.21 $1.03B 0.00% - 45.28% 17.30% 15.64%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 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 2026Jun 2026
Revenue 109.31M102.81M99.29M96.94M101.77M108.62M112.03M117.97M125.30M124.88M118.26M122.84M131.70M138.50M132.71M136.01M165.12M159.55M147.24M150.20M167.41M166.71M158.61M163.77M165.49M174.59M176.92M185.31M186.30M186.96M191.30M203.57M211.85M210.26M211.52M208.03M212.46M215.32M212.66M214.19M
Operating Income 18.61M-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-9.44M36.17M22.70M27.64M11.75M31.52M42.44M64.87M70.17M89.68M50.82M83.85M
Net Income 10.93M-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-7.42M30.94M14.22M18.87M8.15M20.29M30.47M48.02M50.42M66.67M36.48M61.71M
Diluted EPS 0.37-0.090.210.23-0.34-0.180.550.090.230.150.240.020.280.440.270.15-0.190.10-0.19-0.14-0.59-1.79-1.15-3.32-1.830.480.550.30-0.281.150.470.610.270.660.991.551.632.151.192.05

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
20.04%
Institutions
68.17%
Public Float
85.25%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.85% 2.33M $78.99M
2 Dimensional Fund Advisors LP 4.41% 1.31M $44.38M
3 American Century Companies Inc 3.59% 1.07M $36.13M
4 Vanguard Capital Management LLC 3.41% 1.01M $34.32M
5 Vanguard Portfolio Management LLC 3.19% 949.09K $32.14M
6 Geode Capital Management, LLC 2.52% 749.88K $25.39M
7 State Street Corporation 1.90% 564.01K $19.10M
8 Connor Clark & Lunn Investment Management Ltd 1.86% 553.56K $18.74M
9 Pacific Ridge Capital Partners, LLC 1.68% 500.46K $16.95M
10 Jane Street Group, LLC 1.61% 477.89K $16.18M

Analyst View

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Latest News

Recent headlines for HRTG

Google News Sat, 22 Aug 2026

Heritage Insurance Holdings (HRTG) Stock Gets Fair Value Boost After Analyst EPS Revisions - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxNNWNDV0lxVlZuWlZkV0JWaEIxd1Z0bXJyLXBEdGtuRExqRFlxS05pVDlzcldlSllQVWJjQWRBMUgtVmhZaVZsbGtwY0xZdTE5Ym5LZFAwQzdMWndVVUtCZGpUOUUyQWVueFNFR3BYbTloSXZGQk5CU01CdVNsSXNZMG9mTTBuRDZkelFaMW…

Google News Mon, 07 Sep 2026

Bank of New York Mellon Corp Makes New $2.87 Million Investment in Heritage Insurance Holdings, Inc. $HRTG - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi9AFBVV95cUxQNzdFdkYzZEpldGdqRldkM0hFWDh0bHFsZWJURHZiWFExT3ZfNnJpTnJWeUFQUVVzV2xQVVYtcFByRjlPd19iWkRvcVBfdGM0dVhrSThuY1BqRXJ0NDlVRkRYRVdrdy0zZXUydV95TjNYckNYZVdtUVo1ZWZmMlFOUVFhd2Z1bThPN2tKdG…

Google News hu, 03 Sep 2026

Heritage Insurance (NYSE: HRTG) officer plans additional stock sale - Stock Titan

<a href="https://news.google.com/rss/articles/CBMirAFBVV95cUxONDNEbHZQd21lcWdYUXVybWxmNXRIUHhZRjRyQU1UUEhlMWhvY3Q4dXNvS2RmVFdIcXE2b3N3c3JUenFJRDlLZXFBLUtoTnBPa2ZGOUVmaFpEbWdXaHFURTlUUzVnQjRYcFJ0V1JJR0hVZ2pmYVNWd2lTc182YUx3ZUdZZUJJcGs5UnNhZl…

Google News Wed, 02 Sep 2026

Heritage Insurance Holdings: Quantitative Stock of the Week - barrons.com

<a href="https://news.google.com/rss/articles/CBMinAFBVV95cUxPT09yaFk5d19kbUdoY25MZU5ibnN6S2pxWUNfNnJGSk93eUxtMjdnZzB2NTU4QWpsQU1LV2FwWE9XX2g5SlVQQ0ozWXpveFN5a3Y5cndjOVUzMDU0RFExM1RuVjJiNjJFclJYVlVOYlVmNmY2WnFWR3lEbXNBdm9VZDB4V0dyZkl3NEcwa0…

Google News Mon, 24 Aug 2026

Is Heritage Insurance (HRTG) Stock Undervalued Right Now? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiqgFBVV95cUxOekdKV0s2NUkwcUgyR0xPa1JUY3pjNHBZVlRzYmZwZkFILXk4Q2l1emx3MnB1TUVrdGx4cmRSYTlnZWF0WXEzc1M4SVYtTnNrLUItNXNxZlZkMEpkT1RuT0hDRUtJeXpJVjlhNUs5WEU3Y1NtVDhNY1IwUUdEY25XWWYwQmpwS3pZb1FLbz…

Google News Fri, 04 Sep 2026

Heritage Insurance (HRTG) Chief Accounting Officer Sharon Binnun Sells 9,200 Shares - GuruFocus

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZFBsZ2U1UHVVRzEydkJYV3pwa0ZpV1YtR2FxeDljRWtxcURmUlVORU5waVUwdGxMWXVOWXBLNHFyalpTRnkwcEJiSWhTbjZwc2JuR0tRc1JHcXI3NS1tNjF5VXV6bTNrSFNiQmp4el9rWEhoMWVsU05tcm1UYW1TWTVWMUtVWHhVZFZUdU…

HRTG — Frequently Asked Questions

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

As of 2026-09-07 16:24 PDT, Heritage Insurance Holdings, Inc. (HRTG) trades at $33.95 on NYSE. Its 52-week range is $20.88 to $35.21.

What is the market capitalisation of HRTG?

Heritage Insurance Holdings, Inc. (HRTG) has a market capitalisation of $1.03B on NYSE.

What is the P/E ratio of HRTG?

HRTG trades at a trailing price-to-earnings (P/E) ratio of 5.21. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.86.

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

HRTG has a return on equity (ROE) of 45.28%.

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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