HERITAGE INSURANCE HOLDINGS (HRTG) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:HRTG • US42727J1025

24.99 USD
+0.08 (+0.32%)
Last: Feb 11, 2026, 01:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall HRTG gets a fundamental rating of 5 out of 10. We evaluated HRTG against 149 industry peers in the Insurance industry. HRTG has only an average score on both its financial health and profitability. HRTG scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • HRTG had positive earnings in the past year.
  • 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.
  • 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 0 100M -100M

1.2 Ratios

  • HRTG has a better Return On Assets (6.30%) than 87.92% of its industry peers.
  • The Return On Equity of HRTG (34.12%) is better than 97.99% of its industry peers.
  • The Return On Invested Capital of HRTG (7.27%) is better than 87.92% of its industry peers.
Industry RankSector 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
HRTG Yearly ROA, ROE, ROICHRTG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80 -100

1.3 Margins

  • The Profit Margin of HRTG (17.72%) is better than 85.91% of its industry peers.
  • In the last couple of years the Profit Margin of HRTG has grown nicely.
  • HRTG has a Operating Margin of 24.81%. This is amongst the best in the industry. HRTG outperforms 84.56% of its industry peers.
  • HRTG's Operating Margin has improved in the last couple of years.
Industry RankSector 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
HRTG Yearly Profit, Operating, Gross MarginsHRTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • HRTG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • HRTG has more shares outstanding than it did 1 year ago.
  • 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 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 500M 1B 1.5B 2B

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.
  • With a decent Debt to FCF ratio value of 0.91, HRTG is doing good in the industry, outperforming 72.48% of the companies in the same industry.
  • HRTG has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.22, HRTG is doing good in the industry, outperforming 67.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.91
Altman-Z N/A
ROIC/WACC0.87
WACC8.36%
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 0 100M 200M 300M 400M

2.3 Liquidity

  • HRTG has a Current 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 has a better Current ratio (0.12) than 65.77% 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.
  • The Quick ratio of HRTG (0.12) is better than 65.77% of its industry peers.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
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 50M 100M 150M

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

5

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

  • 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.
  • Based on estimates for the next years, HRTG will show a small growth in Revenue. The Revenue will grow by 5.95% on average per year.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less 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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.17, the valuation of HRTG can be described as very cheap.
  • 83.89% of the companies in the same industry are more expensive than HRTG, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 28.03, HRTG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 5.70, which indicates a rather cheap valuation of HRTG.
  • 79.87% of the companies in the same industry are more expensive than HRTG, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, HRTG is valued rather cheaply.
Industry RankSector Rank
PE 5.17
Fwd PE 5.7
HRTG Price Earnings VS Forward Price EarningsHRTG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 95.97% of the companies in the same industry are more expensive than HRTG, based on the Enterprise Value to EBITDA ratio.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as HRTG.
Industry RankSector Rank
P/FCF 7.39
EV/EBITDA 1.38
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's 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.
  • A more expensive valuation may be justified as HRTG's earnings are expected to grow with 31.49% in the coming years.
PEG (NY)0.03
PEG (5Y)0.31
EPS Next 2Y47.72%
EPS Next 3Y31.49%

More info and screens

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

4

5. Dividend

5.1 Amount

  • HRTG has a Yearly Dividend Yield of 2.84%.
  • The stock price of HRTG dropped by -20.01% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • HRTG's Dividend Yield is a higher than the industry average which is at 2.24.
  • Compared to an average S&P500 Dividend Yield of 1.80, 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 2Y47.72%
EPS Next 3Y31.49%
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 0 100M -100M

More info and screens

Find the best dividend stocksShow peers with best dividend

HERITAGE INSURANCE HOLDINGS

NYSE:HRTG (2/11/2026, 1:18:27 PM)

24.99

+0.08 (+0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-26
Inst Owners64.57%
Inst Owner Change1.42%
Ins Owners17.26%
Ins Owner Change-10.31%
Market Cap772.44M
Revenue(TTM)842.28M
Net Income(TTM)149.21M
Analysts80
Price Target36.21 (44.9%)
Short Float %5.56%
Short Ratio4.15
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)12.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)19.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.28%
Valuation
Industry RankSector Rank
PE 5.17
Fwd PE 5.7
P/S 0.92
P/FCF 7.39
P/OCF 6.88
P/B 1.77
P/tB 1.9
EV/EBITDA 1.38
EPS(TTM)4.83
EY19.33%
EPS(NY)4.39
Fwd EY17.55%
FCF(TTM)3.38
FCFY13.54%
OCF(TTM)3.63
OCFY14.55%
SpS27.25
BVpS14.15
TBVpS13.12
PEG (NY)0.03
PEG (5Y)0.31
Graham Number39.21
Profitability
Industry RankSector 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 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 0.12
Quick Ratio 0.12
Altman-Z N/A
F-Score7
WACC8.36%
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%.