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Heritage Insurance Holdings, Inc. (HRTG)

NYSE: HRTG · USD

$34.6

-1.65 (-4.6%)· Recorded snapshot

Market cap	997.7M
Revenue (ttm)	854.6M
Net income (ttm)	215.3M
EPS (ttm)	$7.01
Shares out	28.9M
P/E (trailing)	4.9x
P/E (forward)	7.3x
Volume	151,758
Beta	0.92

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0001598665
Company name	Heritage Insurance Holdings, Inc.
Country	United States
Country code	US
CUSIP number	42727J102
Earnings date	2026-10-28
Earnings time	amc
Employees	542
Employees change	2
Employees growth	0.37%
Enterprise value	$501.9M
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2012
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
IPO date	2014-05-23
Is primary listing	Yes
Is SPAC	No
ISIN number	US42727J1025
Last 10-K release date	2026-03-12
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$997.7M
Market cap category	Small-Cap
Next earnings date	2027-03-08
Options	Yes
Price	$34.56
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	HRTG
U.S. state	Florida
Website	https://www.heritagepci.com

Metric

Value

Amount currency

USD

CIK code

0001598665

Company name

Heritage Insurance Holdings, Inc.

Country

United States

Country code

CUSIP number

42727J102

Earnings date

2026-10-28

Earnings time

amc

Employees

542

Employees change

Employees growth

0.37%

Enterprise value

$501.9M

Exchange

NYSE

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2012

In index

RUSSELL2000

Industry

Insurance - Property & Casualty

IPO date

2014-05-23

Is primary listing

Yes

Is SPAC

ISIN number

US42727J1025

Last 10-K release date

2026-03-12

Last earnings date

2026-10-28

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$997.7M

Market cap category

Small-Cap

Next earnings date

2027-03-08

Options

Yes

Price

$34.56

Price currency

USD

Sector

Financials

SIC code

6331

Stock price date

2026-10-28

Symbol

HRTG

U.S. state

Florida

Website

https://www.heritagepci.com

Metric	Value
Adjusted P/E ratio	4.97x
Average P/E ratio (10Y)	28.61x
Average P/E ratio (3Y)	5.07x
Earnings yield	20.29%
EV/Earnings	2.34x
EV/EBIT	1.71x
EV/EBITDA	1.64x
EV/FCF	1.69x
EV/Sales	0.59x
FCF / EV yield	59.12%
FCF yield	29.79%
Forward EV/Sales	0.57x
Forward P/E	7.31x
Forward P/S	1.14x
Graham number	55.70823
Graham upside	60.91%
Industry forward P/E	12.55x
Industry P/E	10.1x
P/(FCF - SBC) ratio	3.42x
P/(OCF - SBC) ratio	3.34x
P/B ratio	1.84x
P/E ratio	4.93x
P/FCF ratio	3.36x
P/OCF ratio	3.28x
P/S ratio	1.17x
Price / tangible book value	1.85x
Price/EBITDA ratio	3.25x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

4.97x

Average P/E ratio (10Y)

28.61x

Average P/E ratio (3Y)

5.07x

Earnings yield

20.29%

EV/Earnings

2.34x

EV/EBIT

1.71x

EV/EBITDA

1.64x

EV/FCF

1.69x

EV/Sales

0.59x

FCF / EV yield

59.12%

FCF yield

29.79%

Forward EV/Sales

0.57x

Forward P/E

7.31x

Forward P/S

1.14x

Graham number

55.70823

Graham upside

60.91%

Industry forward P/E

12.55x

Industry P/E

10.1x

P/(FCF - SBC) ratio

3.42x

P/(OCF - SBC) ratio

3.34x

P/B ratio

1.84x

P/E ratio

4.93x

P/FCF ratio

3.36x

P/OCF ratio

3.28x

P/S ratio

1.17x

Price / tangible book value

1.85x

Price/EBITDA ratio

3.25x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
EBIT margin	34.46%
EBITDA margin	35.97%
Effective tax rate	25.11%
FCF margin	34.84%
Gross margin	45.39%
Operating margin	34.46%
Pretax margin	33.64%
Profit margin	25.19%
Profit per employee	$397,214
Profitable quarters	11
Profitable years	3
Revenue per employee	$1.6M
ROA	7.38%
ROA (5Y)	1.88%
ROCE	44.93%
ROE	45.28%
ROE (5Y)	2.97%
ROIC	34.49%
ROIC (5Y)	11.02%
SBC / revenue	0.6%
Tax / revenue	8.45%

Metric

Value

EBIT margin

34.46%

EBITDA margin

35.97%

Effective tax rate

25.11%

FCF margin

34.84%

Gross margin

45.39%

Operating margin

34.46%

Pretax margin

33.64%

Profit margin

25.19%

Profit per employee

$397,214

Profitable quarters

Profitable years

Revenue per employee

$1.6M

ROA

7.38%

ROA (5Y)

1.88%

ROCE

44.93%

ROE

45.28%

ROE (5Y)

2.97%

ROIC

34.49%

ROIC (5Y)

11.02%

SBC / revenue

0.6%

Tax / revenue

8.45%

Metric	Value
EPS growth	101.83%
EPS growth (Q)	32.35%
EPS growth (QoQ)	72.4%
EPS growth 10Y	12.95%
EPS growth quarters	6
EPS growth years	3
FCF growth (Q)	237.75%
FCF growth (QoQ)	511.91%
FCF growth 3Y	132.59%
FCF growth 5Y	16.3%
Net income growth	101.31%
Net income growth (Q)	28.5%
Net income growth (QoQ)	69.15%
Net income growth quarters	6
Net income growth years	3
OCF growth (Q)	227.29%
OCF growth (QoQ)	469.86%
OCF growth 10Y	5.87%
OCF growth 3Y	101.22%
OCF growth 5Y	16.36%
Revenue growth	1.54%
Revenue growth (Q)	2.96%
Revenue growth (QoQ)	0.72%
Revenue growth 10Y	7.43%
Revenue growth 3Y	6.76%
Revenue growth 5Y	6.56%
Revenue growth quarters	15
Revenue growth years	8

Metric

Value

EPS growth

101.83%

EPS growth (Q)

32.35%

EPS growth (QoQ)

72.4%

EPS growth 10Y

12.95%

EPS growth quarters

EPS growth years

FCF growth (Q)

237.75%

FCF growth (QoQ)

511.91%

FCF growth 3Y

132.59%

FCF growth 5Y

16.3%

Net income growth

101.31%

Net income growth (Q)

28.5%

Net income growth (QoQ)

69.15%

Net income growth quarters

Net income growth years

OCF growth (Q)

227.29%

OCF growth (QoQ)

469.86%

OCF growth 10Y

5.87%

OCF growth 3Y

101.22%

OCF growth 5Y

16.36%

Revenue growth

1.54%

Revenue growth (Q)

2.96%

Revenue growth (QoQ)

0.72%

Revenue growth 10Y

7.43%

Revenue growth 3Y

6.76%

Revenue growth 5Y

6.56%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-6.9M
EBIT	$294.5M
EBITDA	$307.4M
EPS	$7.01
FCF per share	$10.31
Financing cash flow	$-57.4M
Free cash flow	$297.7M
Free cash flow minus SBC	$292.6M
Gross profit	$387.9M
Income taxes	$72.2M
Investing cash flow	$-132.8M
Net borrowing	$-19.3M
Net cash flow	$114.4M
Net income	$215.3M
Operating cash flow minus SBC	$299.5M
Operating income	$294.5M
Revenue	$854.6M
Stock-based compensation	$5.1M

Metric

Value

Capital expenditures

$-6.9M

EBIT

$294.5M

EBITDA

$307.4M

EPS

$7.01

FCF per share

$10.31

Financing cash flow

$-57.4M

Free cash flow

$297.7M

Free cash flow minus SBC

$292.6M

Gross profit

$387.9M

Income taxes

$72.2M

Investing cash flow

$-132.8M

Net borrowing

$-19.3M

Net cash flow

$114.4M

Net income

$215.3M

Operating cash flow minus SBC

$299.5M

Operating income

$294.5M

Revenue

$854.6M

Stock-based compensation

$5.1M

Metric	Value
Book value per share	$19.67
Debt / EBITDA	0.3
Debt / equity	0.16
Debt / FCF	0.31
Interest coverage	41.78
Net cash (debt)	$495.8M
Net cash / market cap	49.6%
Net cash growth	38.49%
Net debt / EBITDA	-1.61
Net debt / equity	-0.87
Net debt / FCF	-1.67
Piotroski F-Score	7
Property, plant and equipment	$45.2M
Shareholders' equity	$567.7M
Tangible book value	$540.6M
Tangible book value per share	$18.73
Total assets	$2.5B
Total cash	$587.6M
Total debt	$91.8M
Total liabilities	$1.9B
WACC	9%

Metric

Value

Book value per share

$19.67

Debt / EBITDA

0.3

Debt / equity

0.16

Debt / FCF

0.31

Interest coverage

41.78

Net cash (debt)

$495.8M

Net cash / market cap

49.6%

Net cash growth

38.49%

Net debt / EBITDA

-1.61

Net debt / equity

-0.87

Net debt / FCF

-1.67

Piotroski F-Score

Property, plant and equipment

$45.2M

Shareholders' equity

$567.7M

Tangible book value

$540.6M

Tangible book value per share

$18.73

Total assets

$2.5B

Total cash

$587.6M

Total debt

$91.8M

Total liabilities

$1.9B

WACC

Metric	Value
Asset turnover	0.34
Current ratio	0.82
Net working capital	$-911.6M
Quick ratio	0.38
Working capital	$-328.1M

Metric

Value

Asset turnover

0.34

Current ratio

0.82

Net working capital

$-911.6M

Quick ratio

0.38

Working capital

$-328.1M

Metric	Value
Buyback yield / dilution	0.4%
Dividend growth (3Y)	0%
Dividend growth (5Y)	0%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.06
Shareholder yield	0.4%

Metric

Value

Buyback yield / dilution

0.4%

Dividend growth (3Y)

Dividend growth (5Y)

Dividend per share

$0.00

Dividend yield

Last dividend

$0.06

Shareholder yield

0.4%

Metric	Value
10Y price change	198.37%
10Y return CAGR	13.04%
10Y total return	240.55%
150-day SMA	$29.24
1D price change	-4.56%
1M price change	4.3%
1M total return	4.3%
1W price change	-6.17%
1W total return	-6.17%
1Y price change	47.47%
1Y return CAGR	47.51%
1Y total return	47.47%
20-day SMA	$35.67
200-day SMA	$28.52
3M price change	21.58%
3M total return	21.58%
3Y price change	493.16%
3Y return CAGR	81%
3Y total return	493.16%
50-day SMA	$34.71
50-day SMA vs 200-day SMA	50over200
52-week high	$37.87
52-week high date	2026-10-22
52-week low	$20.48
52-week low date	2026-06-03
5Y price change	444.74%
5Y return CAGR	41.38%
5Y total return	464.79%
6M price change	16.05%
6M total return	16.05%
All-time high	$37.87
All-time high date	2026-10-22
All-time low	$1.12
All-time low date	2022-11-10
Average true range (ATR)	$1.05
Average volume	199.3K
Beta (1Y)	0.04
Beta (2Y)	0.42
Beta (5Y)	0.92
Change from 52-week high	-8.74%
Change from 52-week low	68.75%
Change from all-time high	-8.37%
Change from all-time low	2,998.21%
Change from open	-3.68%
Day's gap	-0.91%
Dollar volume	$5.2M
High price	$35.88
Low price	$34.56
Monthly RSI	66.45
Open price	$35.88
Position in 52-week range	0%
Premarket change	-0.75%
Premarket close	$36.21
Premarket price	$35.94
Previous close	$36.21
Price vs 150-day SMA	18.66%
Price vs 20-day SMA	-2.71%
Price vs 200-day SMA	21.68%
Price vs 50-day SMA	-0.02%
Relative volume	0.76
RSI	44.98
Sharpe ratio	0.95
Sharpe ratio (3Y)	1.23
Sharpe ratio (5Y)	0.75
Sortino ratio	1.57
Sortino ratio (3Y)	2.02
Sortino ratio (5Y)	1.31
Volume	151.8K
Weekly RSI	61.47
YTD price change	18.59%
YTD total return	18.59%

Metric

Value

10Y price change

198.37%

10Y return CAGR

13.04%

10Y total return

240.55%

150-day SMA

$29.24

1D price change

-4.56%

1M price change

4.3%

1M total return

4.3%

1W price change

-6.17%

1W total return

-6.17%

1Y price change

47.47%

1Y return CAGR

47.51%

1Y total return

47.47%

20-day SMA

$35.67

200-day SMA

$28.52

3M price change

21.58%

3M total return

21.58%

3Y price change

493.16%

3Y return CAGR

81%

3Y total return

493.16%

50-day SMA

$34.71

50-day SMA vs 200-day SMA

50over200

52-week high

$37.87

52-week high date

2026-10-22

52-week low

$20.48

52-week low date

2026-06-03

5Y price change

444.74%

5Y return CAGR

41.38%

5Y total return

464.79%

6M price change

16.05%

6M total return

16.05%

All-time high

$37.87

All-time high date

2026-10-22

All-time low

$1.12

All-time low date

2022-11-10

Average true range (ATR)

$1.05

Average volume

199.3K

Beta (1Y)

0.04

Beta (2Y)

0.42

Beta (5Y)

0.92

Change from 52-week high

-8.74%

Change from 52-week low

68.75%

Change from all-time high

-8.37%

Change from all-time low

2,998.21%

Change from open

-3.68%

Day's gap

-0.91%

Dollar volume

$5.2M

High price

$35.88

Low price

$34.56

Monthly RSI

66.45

Open price

$35.88

Position in 52-week range

Premarket change

-0.75%

Premarket close

$36.21

Premarket price

$35.94

Previous close

$36.21

Price vs 150-day SMA

18.66%

Price vs 20-day SMA

-2.71%

Price vs 200-day SMA

21.68%

Price vs 50-day SMA

-0.02%

Relative volume

0.76

RSI

44.98

Sharpe ratio

0.95

Sharpe ratio (3Y)

1.23

Sharpe ratio (5Y)

0.75

Sortino ratio

1.57

Sortino ratio (3Y)

2.02

Sortino ratio (5Y)

1.31

Volume

151.8K

Weekly RSI

61.47

YTD price change

18.59%

YTD total return

18.59%

Metric	Value
Float	22.7M
Float percentage	78.51%
Shares change (QoQ)	-2.16%
Shares change (YoY)	-0.4%
Shares held by insiders	20.72%
Shares held by institutions	70.84%
Shares outstanding	28.9M
Short % of float	3.47%
Short % of shares	2.72%
Short ratio	2.7 days

Metric

Value

Float

22.7M

Float percentage

78.51%

Shares change (QoQ)

-2.16%

Shares change (YoY)

-0.4%

Shares held by insiders

20.72%

Shares held by institutions

70.84%

Shares outstanding

28.9M

Short % of float

3.47%

Short % of shares

2.72%

Short ratio

2.7 days

Heritage Insurance Holdings, Inc. (HRTG)

Price

Financial snapshot

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Profitability

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