HERITAGE INSURANCE HOLDINGS (HRTG) Fundamental Analysis & Valuation

NYSE:HRTG • US42727J1025

Current stock price

26.25 USD
-0.01 (-0.04%)
At close:
26.25 USD
0 (0%)
After Hours:

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.
  • Of the past 5 years HRTG 4 years had a positive operating cash flow.
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

  • With an excellent Return On Assets value of 8.91%, HRTG belongs to the best of the industry, outperforming 93.20% of the companies in the same industry.
  • HRTG's Return On Equity of 38.71% is amongst the best of the industry. HRTG outperforms 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 9.36%.
  • The last Return On Invested Capital (9.36%) for HRTG is above the 3 year average (4.86%), which is a sign of increasing profitability.
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

  • HRTG has a Profit Margin of 23.08%. This is amongst the best in the industry. HRTG outperforms 91.84% 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 31.53%, HRTG belongs to the best of the industry, outperforming 93.20% of the companies in the same industry.
  • 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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HRTG is still creating some value.
  • The number of shares outstanding for HRTG has been increased compared to 1 year ago.
  • The number of shares outstanding for HRTG has been increased compared to 5 years ago.
  • 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 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 an Altman-Z score of 1.23. This is a bad value and indicates that HRTG is not financially healthy and even has some risk of bankruptcy.
  • HRTG has a Altman-Z score of 1.23. This is amongst the best in the industry. HRTG outperforms 82.99% of its industry peers.
  • The Debt to FCF ratio of HRTG is 0.54, which is an excellent value as it means it would take HRTG, only 0.54 years of fcf income to pay off all of its debts.
  • HRTG has a better Debt to FCF ratio (0.54) than 76.87% of its industry peers.
  • HRTG has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of HRTG (0.19) is better than 68.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.54
Altman-Z 1.23
ROIC/WACC1.1
WACC8.51%
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.
  • HRTG's Current ratio of 0.31 is fine compared to the rest of the industry. HRTG outperforms 70.07% of its industry peers.
  • 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 70.07% 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.
  • 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.
  • HRTG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.71%.
  • 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

  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 stable.
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

  • The Price/Earnings ratio is 4.15, which indicates a rather cheap valuation of HRTG.
  • HRTG's Price/Earnings ratio is rather cheap when compared to the industry. HRTG is cheaper than 83.67% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.75, HRTG is valued rather cheaply.
  • HRTG is valuated cheaply with a Price/Forward Earnings ratio of 5.98.
  • HRTG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HRTG is cheaper than 76.87% of the companies in the same industry.
  • HRTG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 4.15
Fwd PE 5.98
HRTG Price Earnings VS Forward Price EarningsHRTG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HRTG indicates a rather cheap valuation: HRTG is cheaper than 96.60% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, HRTG is valued a bit cheaper than 68.03% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.63
EV/EBITDA 1.22
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.
  • 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

  • HRTG has a Yearly Dividend Yield of 2.84%.
  • HRTG's Dividend Yield is a higher than the industry average which is at 2.50.
  • HRTG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
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 (3/31/2026, 4:15:00 PM)

After market: 26.25 0 (0%)

26.25

-0.01 (-0.04%)

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-10.98%
Market Cap806.40M
Revenue(TTM)847.33M
Net Income(TTM)195.59M
Analysts80
Price Target37.23 (41.83%)
Short Float %6.26%
Short Ratio4.87
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)3.5%
EPS NQ rev (3m)3.5%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-1.22%
Revenue NQ rev (3m)-1.22%
Revenue NY rev (1m)-1.44%
Revenue NY rev (3m)-1.44%
Valuation
Industry RankSector Rank
PE 4.15
Fwd PE 5.98
P/S 0.95
P/FCF 4.63
P/OCF 4.42
P/B 1.6
P/tB 1.7
EV/EBITDA 1.22
EPS(TTM)6.32
EY24.08%
EPS(NY)4.39
Fwd EY16.71%
FCF(TTM)5.67
FCFY21.6%
OCF(TTM)5.93
OCFY22.6%
SpS27.58
BVpS16.45
TBVpS15.46
PEG (NY)N/A
PEG (5Y)0.05
Graham Number48.36
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 1.23
F-Score8
WACC8.51%
ROIC/WACC1.1
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-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 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 of HERITAGE INSURANCE HOLDINGS (HRTG) stock?

ChartMill assigns a valuation rating of 7 / 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 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%.