HERITAGE INSURANCE HOLDINGS (HRTG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HRTG - US42727J1025 - Common Stock
26.58 USD
+0.46 (+1.76%)
We assign a fundamental rating of 5 out of 10 to HRTG. HRTG was compared to 149 industry peers in the Insurance industry. HRTG has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on HRTG.
1. Profitability
1.1 Basic Checks
- In the past year HRTG was profitable.
- In the past year HRTG had a positive cash flow from operations.
- 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.
1.2 Ratios
- HRTG's Return On Assets of 6.30% is amongst the best of the industry. HRTG outperforms 87.92% of its industry peers.
- With an excellent Return On Equity value of 34.12%, HRTG belongs to the best of the industry, outperforming 97.99% of the companies in the same industry.
- HRTG has a better Return On Invested Capital (7.27%) than 87.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.3% | ||
| ROE | 34.12% | ||
| ROIC | 7.27% |
ROA(3y)-0.61%
ROA(5y)-1.03%
ROE(3y)-25.38%
ROE(5y)-19.16%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- HRTG has a better Profit Margin (17.72%) than 85.91% of its industry peers.
- In the last couple of years the Profit Margin of HRTG has grown nicely.
- The Operating Margin of HRTG (24.81%) is better than 83.89% of its industry peers.
- HRTG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 24.81% | ||
| PM (TTM) | 17.72% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y3.39%
PM growth 3YN/A
PM growth 5Y6.13%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HRTG is destroying value.
- The number of shares outstanding for HRTG has been increased compared to 1 year ago.
- The number of shares outstanding for HRTG has been increased compared to 5 years ago.
- Compared to 1 year ago, HRTG has an improved debt to assets ratio.
2.2 Solvency
- HRTG has a debt to FCF ratio of 0.91. This is a very positive value and a sign of high solvency as it would only need 0.91 years to pay back of all of its debts.
- HRTG has a better Debt to FCF ratio (0.91) than 73.15% of its industry peers.
- HRTG has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
- HRTG has a Debt to Equity ratio of 0.22. This is in the better half of the industry: HRTG outperforms 67.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | N/A |
ROIC/WACC0.87
WACC8.4%
2.3 Liquidity
- A Current Ratio of 0.12 indicates that HRTG may have some problems paying its short term obligations.
- HRTG has a better Current ratio (0.12) than 64.43% of its industry peers.
- HRTG has a Quick Ratio of 0.12. This is a bad value and indicates that HRTG is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a decent Quick ratio value of 0.12, HRTG is doing good in the industry, outperforming 64.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 93.20% over the past year.
- Measured over the past years, HRTG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.67% on average per year.
- HRTG shows a small growth in Revenue. In the last year, the Revenue has grown by 6.12%.
- The Revenue has been growing by 9.83% on average over the past years. This is quite good.
EPS 1Y (TTM)93.2%
EPS 3YN/A
EPS 5Y16.67%
EPS Q2Q%503.7%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y8.96%
Revenue growth 5Y9.83%
Sales Q2Q%0.29%
3.2 Future
- HRTG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.24% yearly.
- HRTG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y159.74%
EPS Next 2Y47.72%
EPS Next 3Y31.49%
EPS Next 5Y19.24%
Revenue Next Year4.71%
Revenue Next 2Y5.99%
Revenue Next 3Y5.95%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- HRTG is valuated cheaply with a Price/Earnings ratio of 5.50.
- Compared to the rest of the industry, the Price/Earnings ratio of HRTG indicates a rather cheap valuation: HRTG is cheaper than 83.89% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of HRTG to the average of the S&P500 Index (27.38), we can say HRTG is valued rather cheaply.
- The Price/Forward Earnings ratio is 6.06, which indicates a rather cheap valuation of HRTG.
- Based on the Price/Forward Earnings ratio, HRTG is valued a bit cheaper than the industry average as 78.52% of the companies are valued more expensively.
- HRTG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.5 | ||
| Fwd PE | 6.06 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HRTG indicates a rather cheap valuation: HRTG is cheaper than 95.30% of the companies listed in the same industry.
- HRTG's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.86 | ||
| EV/EBITDA | 1.55 |
4.3 Compensation for Growth
- HRTG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- HRTG has a very decent profitability rating, which may justify a higher PE ratio.
- HRTG's earnings are expected to grow with 31.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.03
PEG (5Y)0.33
EPS Next 2Y47.72%
EPS Next 3Y31.49%
5. Dividend
5.1 Amount
- HRTG has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.53, HRTG pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.84, HRTG pays a better dividend.
| Industry Rank | Sector 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
5.3 Sustainability
DP0%
EPS Next 2Y47.72%
EPS Next 3Y31.49%
NYSE:HRTG (1/20/2026, 10:40:44 AM)
26.58
+0.46 (+1.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)03-09 2026-03-09/amc
Inst Owners64.57%
Inst Owner Change0.37%
Ins Owners17.26%
Ins Owner Change-10.06%
Market Cap821.59M
Revenue(TTM)842.28M
Net Income(TTM)149.21M
Analysts80
Price Target36.21 (36.23%)
Short Float %5.44%
Short Ratio3.29
Dividend
| Industry Rank | Sector 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)125.96%
Min EPS beat(2)50.41%
Max EPS beat(2)201.52%
EPS beat(4)4
Avg EPS beat(4)96.15%
Min EPS beat(4)15.2%
Max EPS beat(4)201.52%
EPS beat(8)7
Avg EPS beat(8)110.99%
EPS beat(12)10
Avg EPS beat(12)151.8%
EPS beat(16)12
Avg EPS beat(16)134.92%
Revenue beat(2)0
Avg Revenue beat(2)-2.36%
Min Revenue beat(2)-3.85%
Max Revenue beat(2)-0.87%
Revenue beat(4)1
Avg Revenue beat(4)-1.13%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)3.14%
Revenue beat(8)2
Avg Revenue beat(8)-0.74%
Revenue beat(12)6
Avg Revenue beat(12)0.99%
Revenue beat(16)8
Avg Revenue beat(16)0.79%
PT rev (1m)0%
PT rev (3m)12.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.7%
EPS NY rev (1m)0%
EPS NY rev (3m)29.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.5 | ||
| Fwd PE | 6.06 | ||
| P/S | 0.98 | ||
| P/FCF | 7.86 | ||
| P/OCF | 7.31 | ||
| P/B | 1.88 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | 1.55 |
EPS(TTM)4.83
EY18.17%
EPS(NY)4.39
Fwd EY16.5%
FCF(TTM)3.38
FCFY12.73%
OCF(TTM)3.63
OCFY13.68%
SpS27.25
BVpS14.15
TBVpS13.12
PEG (NY)0.03
PEG (5Y)0.33
Graham Number39.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.3% | ||
| ROE | 34.12% | ||
| ROCE | 9% | ||
| ROIC | 7.27% | ||
| ROICexc | 9.59% | ||
| ROICexgc | 19.09% | ||
| OM | 24.81% | ||
| PM (TTM) | 17.72% | ||
| GM | N/A | ||
| FCFM | 12.42% |
ROA(3y)-0.61%
ROA(5y)-1.03%
ROE(3y)-25.38%
ROE(5y)-19.16%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y9.04%
ROICexc growth 3YN/A
ROICexc growth 5Y8.96%
OM growth 3YN/A
OM growth 5Y3.39%
PM growth 3YN/A
PM growth 5Y6.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.91 | ||
| Debt/EBITDA | 0.43 | ||
| Cap/Depr | 64.94% | ||
| Cap/Sales | 0.92% | ||
| Interest Coverage | 27.02 | ||
| Cash Conversion | 50.85% | ||
| Profit Quality | 70.09% | ||
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 | ||
| Altman-Z | N/A |
F-Score7
WACC8.4%
ROIC/WACC0.87
Cap/Depr(3y)73.41%
Cap/Depr(5y)48.4%
Cap/Sales(3y)0.87%
Cap/Sales(5y)0.58%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)93.2%
EPS 3YN/A
EPS 5Y16.67%
EPS Q2Q%503.7%
EPS Next Y159.74%
EPS Next 2Y47.72%
EPS Next 3Y31.49%
EPS Next 5Y19.24%
Revenue 1Y (TTM)6.12%
Revenue growth 3Y8.96%
Revenue growth 5Y9.83%
Sales Q2Q%0.29%
Revenue Next Year4.71%
Revenue Next 2Y5.99%
Revenue Next 3Y5.95%
Revenue Next 5YN/A
EBIT growth 1Y112.69%
EBIT growth 3YN/A
EBIT growth 5Y13.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y296.2%
FCF growth 3Y10.09%
FCF growth 5Y-7.22%
OCF growth 1Y333.58%
OCF growth 3Y13.16%
OCF growth 5Y-6.16%
HERITAGE INSURANCE HOLDINGS / HRTG FAQ
What is the ChartMill fundamental rating of HERITAGE INSURANCE HOLDINGS (HRTG) stock?
ChartMill assigns a fundamental rating of 5 / 10 to HRTG.
What is the valuation status of HERITAGE INSURANCE HOLDINGS (HRTG) stock?
ChartMill assigns a valuation rating of 8 / 10 to HERITAGE INSURANCE HOLDINGS (HRTG). This can be considered as Undervalued.
How profitable is HERITAGE INSURANCE HOLDINGS (HRTG) stock?
HERITAGE INSURANCE HOLDINGS (HRTG) has a profitability rating of 6 / 10.
What is the earnings growth outlook for HERITAGE INSURANCE HOLDINGS?
The Earnings per Share (EPS) of HERITAGE INSURANCE HOLDINGS (HRTG) is expected to grow by 159.74% in the next year.
Can you provide the dividend sustainability for HRTG stock?
The dividend rating of HERITAGE INSURANCE HOLDINGS (HRTG) is 4 / 10 and the dividend payout ratio is 0%.