HERITAGE INSURANCE HOLDINGS (HRTG) Fundamental Analysis & Valuation

NYSE:HRTG • US42727J1025

Current stock price

29.43 USD
-0.9 (-2.97%)
At close:
29.43 USD
0 (0%)
After Hours:

This HRTG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. HRTG Profitability Analysis

1.1 Basic Checks

  • In the past year HRTG was profitable.
  • HRTG had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: HRTG reported negative net income in multiple years.
  • HRTG had a positive operating cash flow in 4 of the past 5 years.
HRTG Yearly Net Income VS EBIT VS OCF VS FCFHRTG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 8.91%, HRTG belongs to the top of the industry, outperforming 92.52% of the companies in the same industry.
  • HRTG has a Return On Equity of 38.71%. This is amongst the best in the industry. HRTG outperforms 97.96% of its industry peers.
  • HRTG has a better Return On Invested Capital (9.36%) than 90.48% of its industry peers.
  • HRTG had an Average Return On Invested Capital over the past 3 years of 4.86%. This is below the industry average of 9.60%.
  • The last Return On Invested Capital (9.36%) for HRTG is above the 3 year average (4.86%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 8.91%
ROE 38.71%
ROIC 9.36%
ROA(3y)4.51%
ROA(5y)0.66%
ROE(3y)26.81%
ROE(5y)-11.84%
ROIC(3y)4.86%
ROIC(5y)N/A
HRTG Yearly ROA, ROE, ROICHRTG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100

1.3 Margins

  • HRTG has a better Profit Margin (23.08%) than 90.48% of its industry peers.
  • HRTG's Profit Margin has improved in the last couple of years.
  • HRTG's Operating Margin of 31.53% is amongst the best of the industry. HRTG outperforms 92.52% of its industry peers.
  • HRTG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 31.53%
PM (TTM) 23.08%
GM N/A
OM growth 3YN/A
OM growth 5Y78.93%
PM growth 3YN/A
PM growth 5Y71.25%
GM growth 3YN/A
GM growth 5YN/A
HRTG Yearly Profit, Operating, Gross MarginsHRTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. HRTG Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HRTG is still creating some value.
  • The number of shares outstanding for HRTG has been increased compared to 1 year ago.
  • HRTG has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for HRTG has been reduced compared to a year ago.
HRTG Yearly Shares OutstandingHRTG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
HRTG Yearly Total Debt VS Total AssetsHRTG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • Based on the Altman-Z score of 1.28, we must say that HRTG is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of HRTG (1.28) is better than 82.31% of its industry peers.
  • HRTG has a debt to FCF ratio of 0.54. This is a very positive value and a sign of high solvency as it would only need 0.54 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 0.54, HRTG is doing good in the industry, outperforming 76.87% of the companies in the same industry.
  • HRTG has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of HRTG (0.19) is better than 68.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.54
Altman-Z 1.28
ROIC/WACC1.1
WACC8.5%
HRTG Yearly LT Debt VS Equity VS FCFHRTG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 0.31 indicates that HRTG may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.31, HRTG is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • A Quick Ratio of 0.31 indicates that HRTG may have some problems paying its short term obligations.
  • The Quick ratio of HRTG (0.31) is better than 71.43% of its industry peers.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
HRTG Yearly Current Assets VS Current LiabilitesHRTG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. HRTG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 214.43% over the past year.
  • HRTG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 81.60% yearly.
  • The Revenue has been growing slightly by 3.71% in the past year.
  • The Revenue has been growing slightly by 7.38% on average over the past years.
EPS 1Y (TTM)214.43%
EPS 3YN/A
EPS 5Y81.6%
EPS Q2Q%225.76%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y8.55%
Revenue growth 5Y7.38%
Sales Q2Q%2.4%

3.2 Future

  • The Earnings Per Share is expected to decrease by -3.44% on average over the next years.
  • The Revenue is expected to grow by 6.23% on average over the next years.
EPS Next Y-26.3%
EPS Next 2Y-11.69%
EPS Next 3Y-8.67%
EPS Next 5Y-3.44%
Revenue Next Year5.73%
Revenue Next 2Y6.23%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
HRTG Yearly Revenue VS EstimatesHRTG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
HRTG Yearly EPS VS EstimatesHRTG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 -2 4 6

More info and screens

Find the best growth stocksShow best growing peers

7

4. HRTG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.66, the valuation of HRTG can be described as very cheap.
  • Based on the Price/Earnings ratio, HRTG is valued cheaply inside the industry as 82.31% of the companies are valued more expensively.
  • HRTG is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 6.32, which indicates a rather cheap valuation of HRTG.
  • Based on the Price/Forward Earnings ratio, HRTG is valued a bit cheaper than 76.87% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.68, HRTG is valued rather cheaply.
Industry RankSector Rank
PE 4.66
Fwd PE 6.32
HRTG Price Earnings VS Forward Price EarningsHRTG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 91.84% of the companies in the same industry are more expensive than HRTG, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, HRTG is valued a bit cheaper than the industry average as 65.99% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.19
EV/EBITDA 1.67
HRTG Per share dataHRTG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The decent profitability rating of HRTG may justify a higher PE ratio.
  • A cheap valuation may be justified as HRTG's earnings are expected to decrease with -8.67% in the coming years.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-11.69%
EPS Next 3Y-8.67%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. HRTG Dividend Analysis

5.1 Amount

  • HRTG has a Yearly Dividend Yield of 2.84%.
  • HRTG's Dividend Yield is a higher than the industry average which is at 2.36.
  • Compared to an average S&P500 Dividend Yield of 1.82, HRTG pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.84%

5.2 History

  • HRTG has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
HRTG Yearly Dividends per shareHRTG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 0.05 0.1 0.15 0.2

5.3 Sustainability

DP0%
EPS Next 2Y-11.69%
EPS Next 3Y-8.67%
HRTG Yearly Income VS Free CF VS DividendHRTG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M

More info and screens

Find the best dividend stocksShow peers with best dividend

HRTG Fundamentals: All Metrics, Ratios and Statistics

HERITAGE INSURANCE HOLDINGS

NYSE:HRTG (4/29/2026, 7:17:43 PM)

After market: 29.43 0 (0%)

29.43

-0.9 (-2.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength38.51
Industry Growth89.44
Earnings (Last)03-09
Earnings (Next)05-07
Inst Owners66.19%
Inst Owner Change0.21%
Ins Owners16.69%
Ins Owner Change-9.8%
Market Cap904.09M
Revenue(TTM)847.33M
Net Income(TTM)195.59M
Analysts80
Price Target37.23 (26.5%)
Short Float %4.22%
Short Ratio3.17
Dividend
Industry RankSector Rank
Dividend Yield 2.84%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)111.45%
Min EPS beat(2)21.37%
Max EPS beat(2)201.52%
EPS beat(4)4
Avg EPS beat(4)97.69%
Min EPS beat(4)21.37%
Max EPS beat(4)201.52%
EPS beat(8)7
Avg EPS beat(8)95.3%
EPS beat(12)10
Avg EPS beat(12)120.74%
EPS beat(16)12
Avg EPS beat(16)124.3%
Revenue beat(2)0
Avg Revenue beat(2)-0.79%
Min Revenue beat(2)-0.87%
Max Revenue beat(2)-0.71%
Revenue beat(4)0
Avg Revenue beat(4)-2.09%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)-0.71%
Revenue beat(8)2
Avg Revenue beat(8)-0.71%
Revenue beat(12)5
Avg Revenue beat(12)0.79%
Revenue beat(16)8
Avg Revenue beat(16)0.82%
PT rev (1m)2.82%
PT rev (3m)2.82%
EPS NQ rev (1m)3.45%
EPS NQ rev (3m)7.06%
EPS NY rev (1m)6.2%
EPS NY rev (3m)6.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.44%
Valuation
Industry RankSector Rank
PE 4.66
Fwd PE 6.32
P/S 1.07
P/FCF 5.19
P/OCF 4.96
P/B 1.79
P/tB 1.9
EV/EBITDA 1.67
EPS(TTM)6.32
EY21.47%
EPS(NY)4.66
Fwd EY15.83%
FCF(TTM)5.67
FCFY19.26%
OCF(TTM)5.93
OCFY20.16%
SpS27.58
BVpS16.45
TBVpS15.46
PEG (NY)N/A
PEG (5Y)0.06
Graham Number48.3607 (64.32%)
Profitability
Industry RankSector Rank
ROA 8.91%
ROE 38.71%
ROCE 12.49%
ROIC 9.36%
ROICexc 12.68%
ROICexgc 22.22%
OM 31.53%
PM (TTM) 23.08%
GM N/A
FCFM 20.55%
ROA(3y)4.51%
ROA(5y)0.66%
ROE(3y)26.81%
ROE(5y)-11.84%
ROIC(3y)4.86%
ROIC(5y)N/A
ROICexc(3y)6.42%
ROICexc(5y)N/A
ROICexgc(3y)12.18%
ROICexgc(5y)N/A
ROCE(3y)6.49%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y84.07%
ROICexc growth 3YN/A
ROICexc growth 5Y91.44%
OM growth 3YN/A
OM growth 5Y78.93%
PM growth 3YN/A
PM growth 5Y71.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.39
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.54
Debt/EBITDA 0.34
Cap/Depr 63.58%
Cap/Sales 0.95%
Interest Coverage 38.77
Cash Conversion 65.12%
Profit Quality 89.04%
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z 1.28
F-Score8
WACC8.5%
ROIC/WACC1.1
Cap/Depr(3y)87.86%
Cap/Depr(5y)59.14%
Cap/Sales(3y)1.1%
Cap/Sales(5y)0.74%
Profit Quality(3y)116.93%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)214.43%
EPS 3YN/A
EPS 5Y81.6%
EPS Q2Q%225.76%
EPS Next Y-26.3%
EPS Next 2Y-11.69%
EPS Next 3Y-8.67%
EPS Next 5Y-3.44%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y8.55%
Revenue growth 5Y7.38%
Sales Q2Q%2.4%
Revenue Next Year5.73%
Revenue Next 2Y6.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y185.39%
EBIT growth 3YN/A
EBIT growth 5Y92.15%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y120.84%
FCF growth 3YN/A
FCF growth 5Y0.56%
OCF growth 1Y109.24%
OCF growth 3YN/A
OCF growth 5Y1.38%

HERITAGE INSURANCE HOLDINGS / HRTG Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HERITAGE INSURANCE HOLDINGS (HRTG) stock?

ChartMill assigns a fundamental rating of 6 / 10 to HRTG.


What is the valuation status for HRTG stock?

ChartMill assigns a valuation rating of 7 / 10 to HERITAGE INSURANCE HOLDINGS (HRTG). This can be considered as Undervalued.


Can you provide the profitability details for HERITAGE INSURANCE HOLDINGS?

HERITAGE INSURANCE HOLDINGS (HRTG) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for HRTG stock?

The Price/Earnings (PE) ratio for HERITAGE INSURANCE HOLDINGS (HRTG) is 4.66 and the Price/Book (PB) ratio is 1.79.


What is the financial health of HERITAGE INSURANCE HOLDINGS (HRTG) stock?

The financial health rating of HERITAGE INSURANCE HOLDINGS (HRTG) is 5 / 10.