HERITAGE INSURANCE HOLDINGS (HRTG) Fundamental Analysis & Valuation

NYSE:HRTG • US42727J1025

Current stock price

26.78 USD
+1.13 (+4.41%)
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.
  • HRTG had a positive operating cash flow in the past year.
  • In multiple years HRTG reported negative net income over the last 5 years.
  • In multiple years HRTG reported negative operating cash flow during the last 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 6.30%. This is amongst the best in the industry. HRTG outperforms 84.46% of its industry peers.
  • HRTG has a better Return On Equity (34.12%) than 97.30% of its industry peers.
  • HRTG's Return On Invested Capital of 6.75% is amongst the best of the industry. HRTG outperforms 82.43% 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 9.34%.
  • The 3 year average ROIC (4.86%) for HRTG is below the current ROIC(6.75%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.3%
ROE 34.12%
ROIC 6.75%
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 (17.72%) than 82.43% of its industry peers.
  • HRTG's Profit Margin has improved in the last couple of years.
  • HRTG has a Operating Margin of 24.81%. This is amongst the best in the industry. HRTG outperforms 83.78% of its industry peers.
  • In the last couple of years the Operating Margin of HRTG has grown nicely.
Industry RankSector Rank
OM 24.81%
PM (TTM) 17.72%
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

3

2. HRTG Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HRTG is destroying value.
  • Compared to 1 year ago, HRTG has more shares outstanding
  • Compared to 5 years ago, HRTG has more shares outstanding
  • Compared to 1 year ago, HRTG has an improved debt to assets ratio.
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

  • 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.
  • The Debt to FCF ratio of HRTG (0.91) is better than 68.24% of its industry peers.
  • A Debt/Equity ratio of 0.22 indicates that HRTG is not too dependend on debt financing.
  • HRTG has a Debt to Equity ratio of 0.22. This is in the better half of the industry: HRTG outperforms 67.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.91
Altman-Z N/A
ROIC/WACC0.79
WACC8.52%
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

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
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.
  • Measured over the past years, HRTG shows a very strong growth in Earnings Per Share. The EPS has been growing by 81.60% on average per year.
  • Looking at the last year, HRTG shows a small growth in Revenue. The Revenue has grown by 3.71% in the last year.
  • Measured over the past years, HRTG shows a small growth in Revenue. The Revenue has been growing by 7.38% on average per year.
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

  • HRTG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.28% yearly.
  • HRTG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.23% yearly.
EPS Next Y-30.6%
EPS Next 2Y-15.97%
EPS Next 3Y-9.98%
EPS Next 5Y-4.28%
Revenue Next Year5.73%
Revenue Next 2Y6.23%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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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6

4. HRTG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.24 indicates a rather cheap valuation of HRTG.
  • Based on the Price/Earnings ratio, HRTG is valued cheaper than 84.46% of the companies in the same industry.
  • HRTG is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 6.11, the valuation of HRTG can be described as very cheap.
  • HRTG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HRTG is cheaper than 77.03% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of HRTG to the average of the S&P500 Index (22.42), we can say HRTG is valued rather cheaply.
Industry RankSector Rank
PE 4.24
Fwd PE 6.11
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

  • Based on the Enterprise Value to EBITDA ratio, HRTG is valued cheaply inside the industry as 93.92% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HRTG is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 7.87
EV/EBITDA 1.46
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

  • HRTG has a very decent profitability rating, which may justify a higher PE ratio.
  • HRTG's earnings are expected to decrease with -9.98% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-15.97%
EPS Next 3Y-9.98%

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

4

5. HRTG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.84%, HRTG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.84, HRTG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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-15.97%
EPS Next 3Y-9.98%
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 (3/23/2026, 12:11:54 PM)

26.78

+1.13 (+4.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-09
Earnings (Next)05-04
Inst Owners65.83%
Inst Owner Change3.39%
Ins Owners17.2%
Ins Owner Change-10.07%
Market Cap822.68M
Revenue(TTM)847.33M
Net Income(TTM)149.21M
Analysts80
Price Target36.21 (35.21%)
Short Float %5.31%
Short Ratio3.85
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)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)0%
EPS NQ rev (1m)77.76%
EPS NQ rev (3m)77.76%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.44%
Revenue NY rev (3m)-1.44%
Valuation
Industry RankSector Rank
PE 4.24
Fwd PE 6.11
P/S 0.98
P/FCF 7.87
P/OCF 7.32
P/B 1.88
P/tB 2.03
EV/EBITDA 1.46
EPS(TTM)6.32
EY23.6%
EPS(NY)4.39
Fwd EY16.38%
FCF(TTM)3.4
FCFY12.71%
OCF(TTM)3.66
OCFY13.66%
SpS27.42
BVpS14.23
TBVpS13.2
PEG (NY)N/A
PEG (5Y)0.05
Graham Number44.99
Profitability
Industry RankSector Rank
ROA 6.3%
ROE 34.12%
ROCE 9%
ROIC 6.75%
ROICexc 8.9%
ROICexgc 17.71%
OM 24.81%
PM (TTM) 17.72%
GM N/A
FCFM 12.42%
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)12.33%
ROICexgc(5y)N/A
ROCE(3y)6.49%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y84.82%
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-Score7
Asset Turnover0.36
Health
Industry RankSector 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 N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.52%
ROIC/WACC0.79
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
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-30.6%
EPS Next 2Y-15.97%
EPS Next 3Y-9.98%
EPS Next 5Y-4.28%
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 1Y112.69%
EBIT growth 3YN/A
EBIT growth 5Y92.15%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-53.74%
OCF growth 3YN/A
OCF growth 5YN/A

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 5 / 10 to HRTG.


What is the valuation status of HERITAGE INSURANCE HOLDINGS (HRTG) stock?

ChartMill assigns a valuation rating of 6 / 10 to HERITAGE INSURANCE HOLDINGS (HRTG). This can be considered as Fairly Valued.


How profitable is HERITAGE INSURANCE HOLDINGS (HRTG) stock?

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


What is the earnings growth outlook for HERITAGE INSURANCE HOLDINGS?

The Earnings per Share (EPS) of HERITAGE INSURANCE HOLDINGS (HRTG) is expected to decline by -30.6% 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%.