HERITAGE INSURANCE HOLDINGS (HRTG) Fundamental Analysis & Valuation

NYSE:HRTG • US42727J1025

Current stock price

29.36 USD
-0.07 (-0.24%)
Last:

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.
  • 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.
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

  • HRTG has a Return On Assets of 8.91%. This is amongst the best in the industry. HRTG outperforms 92.52% of its industry peers.
  • The Return On Equity of HRTG (38.71%) is better than 97.96% of its industry peers.
  • With an excellent Return On Invested Capital value of 9.36%, HRTG belongs to the best of the industry, outperforming 90.48% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for HRTG is below the industry average of 9.60%.
  • The 3 year average ROIC (4.86%) for HRTG is below the current ROIC(9.36%), indicating increased profibility in the last year.
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

  • With an excellent Profit Margin value of 23.08%, HRTG belongs to the best of the industry, outperforming 88.44% of the companies in the same industry.
  • HRTG's Profit Margin has improved in the last couple of years.
  • The Operating Margin of HRTG (31.53%) is better than 92.52% of its industry peers.
  • In the last couple of years the Operating Margin of HRTG has grown nicely.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. HRTG Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HRTG is 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 1.27, we must say that HRTG is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.27, HRTG belongs to the best of the industry, outperforming 82.31% of the companies in the same industry.
  • 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.
  • HRTG has a better Debt to FCF ratio (0.54) than 76.87% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that HRTG is not too dependend on debt financing.
  • HRTG's Debt to Equity ratio of 0.19 is fine compared to the rest of the industry. HRTG outperforms 68.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.54
Altman-Z 1.27
ROIC/WACC1.09
WACC8.55%
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

  • HRTG has a Current Ratio of 0.31. This is a bad value and indicates that HRTG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.31, HRTG is in the better half of 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.
  • HRTG has a Quick ratio of 0.31. This is in the better half of the industry: HRTG outperforms 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

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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.
  • Looking at the last year, HRTG shows a small growth in Revenue. The Revenue has grown by 3.71% in the last 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.
  • Based on estimates for the next years, HRTG will show a small growth in Revenue. The Revenue will grow by 6.23% on average per year.
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

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7

4. HRTG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.65, the valuation of HRTG can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of HRTG indicates a rather cheap valuation: HRTG is cheaper than 82.31% of the companies listed in the same industry.
  • HRTG is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • HRTG is valuated cheaply with a Price/Forward Earnings ratio of 6.30.
  • Based on the Price/Forward Earnings ratio, HRTG is valued a bit cheaper than 76.87% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.68. HRTG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.65
Fwd PE 6.3
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

  • 93.20% 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 65.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.18
EV/EBITDA 1.57
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%

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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%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.37, HRTG pays a bit more dividend than its industry peers.
  • HRTG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
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

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HRTG Fundamentals: All Metrics, Ratios and Statistics

HERITAGE INSURANCE HOLDINGS

NYSE:HRTG (4/30/2026, 3:56:28 PM)

29.36

-0.07 (-0.24%)

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 Cap901.94M
Revenue(TTM)847.33M
Net Income(TTM)195.59M
Analysts80
Price Target37.23 (26.81%)
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 4.65
Fwd PE 6.3
P/S 1.06
P/FCF 5.18
P/OCF 4.95
P/B 1.79
P/tB 1.9
EV/EBITDA 1.57
EPS(TTM)6.32
EY21.53%
EPS(NY)4.66
Fwd EY15.87%
FCF(TTM)5.67
FCFY19.31%
OCF(TTM)5.93
OCFY20.21%
SpS27.58
BVpS16.45
TBVpS15.46
PEG (NY)N/A
PEG (5Y)0.06
Graham Number48.3607 (64.72%)
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 1.27
F-Score8
WACC8.55%
ROIC/WACC1.09
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 4.65 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.