HERITAGE INSURANCE HOLDINGS (HRTG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HRTG - US42727J1025 - Common Stock
26.12 USD
+0.27 (+1.04%)
26.12 USD
0 (0%)
Overall HRTG gets a fundamental rating of 5 out of 10. We evaluated HRTG against 146 industry peers in the Insurance industry. HRTG has only an average score on both its financial health and profitability. HRTG is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
- In multiple years HRTG reported negative net income over the last 5 years.
- Of the past 5 years HRTG 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of HRTG (6.30%) is better than 88.36% of its industry peers.
- HRTG has a better Return On Equity (34.12%) than 97.95% of its industry peers.
- With an excellent Return On Invested Capital value of 7.27%, HRTG belongs to the best of the industry, outperforming 88.36% of the companies in the same industry.
| 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
- The Profit Margin of HRTG (17.72%) is better than 85.62% of its industry peers.
- In the last couple of years the Profit Margin of HRTG has grown nicely.
- With an excellent Operating Margin value of 24.81%, HRTG belongs to the best of the industry, outperforming 85.62% of the companies in the same industry.
- In the last couple of years the Operating Margin of HRTG has grown nicely.
| 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.
- Compared to 1 year ago, HRTG has more shares outstanding
- Compared to 5 years ago, HRTG has more shares outstanding
- The debt/assets ratio for HRTG has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of HRTG is 0.91, which is an excellent value as it means it would take HRTG, only 0.91 years of fcf income to pay off all of its debts.
- HRTG has a better Debt to FCF ratio (0.91) than 72.60% 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 66.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | N/A |
ROIC/WACC0.87
WACC8.34%
2.3 Liquidity
- A Current Ratio of 0.12 indicates that HRTG may have some problems paying its short term obligations.
- HRTG has a Current ratio of 0.12. This is in the better half of the industry: HRTG outperforms 65.75% 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.
- HRTG's Quick ratio of 0.12 is fine compared to the rest of the industry. HRTG outperforms 65.75% of its industry peers.
| 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.
- HRTG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.67% yearly.
- HRTG shows a small growth in Revenue. In the last year, the Revenue has grown by 6.12%.
- HRTG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.83% yearly.
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
- The Earnings Per Share is expected to grow by 19.24% on average over the next years. This is quite good.
- The Revenue is expected to grow by 5.95% on average over the next years.
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
- A Price/Earnings ratio of 5.41 indicates a rather cheap valuation of HRTG.
- HRTG's Price/Earnings ratio is rather cheap when compared to the industry. HRTG is cheaper than 83.56% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, HRTG is valued rather cheaply.
- A Price/Forward Earnings ratio of 5.96 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 78.77% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, HRTG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.41 | ||
| Fwd PE | 5.96 |
4.2 Price Multiples
- 95.21% of the companies in the same industry are more expensive than HRTG, based on the Enterprise Value to EBITDA ratio.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.72 | ||
| EV/EBITDA | 1.51 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of HRTG 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)0.32
EPS Next 2Y47.72%
EPS Next 3Y31.49%
5. Dividend
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 2.42, 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 1.89.
| 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%
26.12
+0.27 (+1.04%)
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 Change0.07%
Ins Owners17.26%
Ins Owner Change-10.06%
Market Cap807.37M
Revenue(TTM)842.28M
Net Income(TTM)149.21M
Analysts80
Price Target36.21 (38.63%)
Short Float %6.63%
Short Ratio4.12
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 | 5.41 | ||
| Fwd PE | 5.96 | ||
| P/S | 0.96 | ||
| P/FCF | 7.72 | ||
| P/OCF | 7.19 | ||
| P/B | 1.85 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | 1.51 |
EPS(TTM)4.83
EY18.49%
EPS(NY)4.39
Fwd EY16.79%
FCF(TTM)3.38
FCFY12.95%
OCF(TTM)3.63
OCFY13.92%
SpS27.25
BVpS14.15
TBVpS13.12
PEG (NY)0.03
PEG (5Y)0.32
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
WACC8.34%
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%.