HERITAGE INSURANCE HOLDINGS (HRTG) Stock Fundamental Analysis

NYSE:HRTG • US42727J1025

27.87 USD
-0.04 (-0.14%)
At close: Feb 27, 2026
27.87 USD
0 (0%)
After Hours: 2/27/2026, 8:08:54 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, HRTG scores 5 out of 10 in our fundamental rating. HRTG was compared to 149 industry peers in the Insurance industry. HRTG has only an average score on both its financial health and profitability. HRTG may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year HRTG was profitable.
  • HRTG had a positive operating cash flow in the past year.
  • 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 0 100M -100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 6.30%, HRTG belongs to the top of the industry, outperforming 87.25% of the companies in the same industry.
  • HRTG's Return On Equity of 34.12% is amongst the best of the industry. HRTG outperforms 97.32% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 7.27%, HRTG belongs to the top of the industry, outperforming 87.92% of the companies in the same industry.
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

  • HRTG has a better Profit Margin (17.72%) than 83.89% of its industry peers.
  • HRTG's Profit Margin has improved in the last couple of years.
  • HRTG has a better Operating Margin (24.81%) than 82.55% 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

  • 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.
  • Compared to 5 years ago, HRTG has more shares outstanding
  • HRTG has a better debt/assets ratio than last year.
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

  • 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 Debt to FCF ratio of 0.91. This is in the better half of the industry: HRTG outperforms 71.81% 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 better Debt to Equity ratio (0.22) than 67.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.91
Altman-Z N/A
ROIC/WACC0.89
WACC8.19%
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's Current ratio of 0.12 is fine compared to the rest of the industry. HRTG outperforms 66.44% 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 has a better Quick ratio (0.12) than 66.44% 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

  • HRTG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 93.20%, which is quite impressive.
  • 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%.
  • Measured over the past years, HRTG shows a quite strong growth in Revenue. The Revenue has been growing by 9.83% on average per year.
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

  • Based on estimates for the next years, HRTG will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.24% on average per year.
  • 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.
  • 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.
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 5.77, 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 81.21% of the companies listed in the same industry.
  • HRTG is valuated cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • HRTG is valuated cheaply with a Price/Forward Earnings ratio of 6.35.
  • Based on the Price/Forward Earnings ratio, HRTG is valued a bit cheaper than the industry average as 77.85% 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 28.05.
Industry RankSector Rank
PE 5.77
Fwd PE 6.35
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 cheaper than 93.29% of the companies in the same industry.
  • HRTG's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.24
EV/EBITDA 1.79
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.
  • HRTG's earnings are expected to grow with 31.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)0.35
EPS Next 2Y47.72%
EPS Next 3Y31.49%

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.84%, HRTG has a reasonable but not impressive dividend return.
  • HRTG's Dividend Yield is a higher than the industry average which is at 2.46.
  • 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 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

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Find the best dividend stocksShow peers with best dividend

HERITAGE INSURANCE HOLDINGS

NYSE:HRTG (2/27/2026, 8:08:54 PM)

After market: 27.87 0 (0%)

27.87

-0.04 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)03-09
Inst Owners64.57%
Inst Owner Change3.39%
Ins Owners17.26%
Ins Owner Change-10.5%
Market Cap861.46M
Revenue(TTM)842.28M
Net Income(TTM)149.21M
Analysts80
Price Target36.21 (29.92%)
Short Float %5.09%
Short Ratio4.17
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)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)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)19.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.28%
Valuation
Industry RankSector Rank
PE 5.77
Fwd PE 6.35
P/S 1.02
P/FCF 8.24
P/OCF 7.67
P/B 1.97
P/tB 2.12
EV/EBITDA 1.79
EPS(TTM)4.83
EY17.33%
EPS(NY)4.39
Fwd EY15.74%
FCF(TTM)3.38
FCFY12.14%
OCF(TTM)3.63
OCFY13.04%
SpS27.25
BVpS14.15
TBVpS13.12
PEG (NY)0.04
PEG (5Y)0.35
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
WACC8.19%
ROIC/WACC0.89
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%.