HERITAGE INSURANCE HOLDINGS INC (HRTG)

Price$21.38

Value ScoreA

Growth ScoreB

Momentum ScoreF

Favorite Metrics

Price vs S&P 500 (26W)-33.28%

Price vs S&P 500 (4W)-29.51%

VGM Score53.23

Market Capitalization$674.98M

P/E Ratio (Annual)3.45x

Indicated Dividend Yield (Annual)2.84%

All Metrics

P/CF (Annual)3.70x

Book Value / Share (Quarterly)$17.15

P/TBV (Annual)1.90x

Revenue Growth (3Y)8.55%

Cash Flow / Share (Quarterly)$6.54

Payout Ratio (TTM)0.04%

Price vs S&P 500 (YTD)-36.84%

Net Profit Margin (TTM)23.76%

EPS (TTM)$6.51

10-Day Avg Trading Volume0.48M

EPS Excl Extra (TTM)$6.51

Revenue Growth (5Y)7.38%

EPS (Annual)$6.32

ROI (Annual)32.64%

Net Profit Margin (5Y Avg)0.33%

Cash / Share (Quarterly)$8.54

P/E Basic Excl Extra (TTM)3.35x

Revenue Growth QoQ (YoY)0.54%

EPS Growth (5Y)80.25%

P/E Normalized (Annual)3.45x

ROA (Last FY)8.91%

Revenue Growth TTM (YoY)1.35%

EBITD / Share (TTM)$8.98

ROE (5Y Avg)-11.84%

Operating Margin (TTM)32.47%

Cash Flow / Share (Annual)$5.65

P/B Ratio1.30x

P/B Ratio (Quarterly)1.55x

Net Income / Employee (Annual)$360,900

EV / Revenue (TTM)0.30x

Net Interest Coverage (TTM)33.87x

ROA (TTM)8.84%

EPS Growth QoQ (YoY)19.78%

EV / EBITDA (TTM)0.90x

EPS Incl Extra (Annual)$6.32

Current Ratio (Annual)0.31x

Quick Ratio (Quarterly)0.21x

3-Month Avg Trading Volume0.36M

52-Week Price Return-8.60%

EV / Free Cash Flow (Annual)1.44x

P/E Incl Extra (TTM)3.35x

Revenue / Employee (TTM)$1,565,400

Tangible BV / Share (Quarterly)$16.21

P/S Ratio (Annual)0.80x

Asset Turnover (Annual)0.39x

52-Week High$31.98

Operating Margin (5Y Avg)3.41%

EPS Excl Extra (Annual)$6.32

CapEx CAGR (5Y)58.78%

Tangible BV CAGR (5Y)4.56%

26-Week Price Return-17.35%

Quick Ratio (Annual)0.21x

13-Week Price Return-22.32%

Total Debt / Equity (Annual)0.19x

Current Ratio (Quarterly)0.31x

Enterprise Value$250.44M

Revenue / Share Growth (5Y)5.25%

Asset Turnover (TTM)0.37x

Book Value / Share Growth (5Y)0.51%

Revenue / Employee (Annual)$1,563,300

Pretax Margin (Annual)30.60%

Cash / Share (Annual)$11.00

3-Month Return Std Dev54.16%

Net Income / Employee (TTM)$372,000

EBITDA CAGR (5Y)71.26%

ROE (Last FY)38.71%

Net Interest Coverage (Annual)38.06x

EPS Basic Excl Extra (Annual)$6.32

P/FCF (TTM)3.40x

EV / Free Cash Flow (TTM)1.26x

Total Debt / Equity (Quarterly)0.18x

EPS Incl Extra (TTM)$6.51

ROI (TTM)36.04%

P/S Ratio (TTM)0.80x

Pretax Margin (5Y Avg)2.13%

Revenue / Share (Annual)$27.38

Tangible BV / Share (Annual)$15.41

Forward P/E5.10x

Free OCF CAGR (5Y)0.56%

Price vs S&P 500 (52W)-36.81%

P/E Ratio (TTM)3.35x

EPS Growth TTM (YoY)157.31%

Year-to-Date Return-25.91%

5-Day Price Return-5.24%

EPS Normalized (Annual)$6.32

ROA (5Y Avg)0.66%

Net Profit Margin (Annual)23.08%

Month-to-Date Return-26.06%

Cash Flow / Share (TTM)$1.47

EBITD / Share (Annual)$8.71

Operating Margin (Annual)31.53%

LT Debt / Equity (Annual)0.16x

P/CF (TTM)3.27x

ROI (5Y Avg)-2.05%

P/E Excl Extra (TTM)3.35x

LT Debt / Equity (Quarterly)0.15x

EPS Basic Excl Extra (TTM)$6.51

P/TBV (Quarterly)1.64x

P/B Ratio (Annual)1.79x

Pretax Margin (TTM)31.62%

Book Value / Share (Annual)$16.39

Price vs S&P 500 (13W)-32.07%

Net Margin Growth (5Y)71.19%

Beta0.93x

P/FCF (Annual)3.88x

Revenue / Share (TTM)$27.60

ROE (TTM)43.68%

52-Week Low$16.82

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Earnings Surprise History

Q1 261.19est. 1.56

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.00

Industry Peers — Property & Casualty Insurance(73)

Symbol	Value Score	Growth Score	Momentum Score	Price
HRTGHERITAGE INSURANCE HOLDINGS INC	A	B	F	$21.38
BRK.ABerkshire Hathaway Inc.	F	C	C	$705161.00
BRK.BBERKSHIRE HATHAWAY Class B	F	C	C	$470.29
CBChubb Limited	D	B	C	$309.78
PGRProgressive Corporation	C	B	F	$192.67
TRVThe Travelers Companies, Inc.	C	B	C	$288.93
ALLThe Allstate Corporation	B	B	C	$207.21
AIGAmerican International Group, Inc.	C	D	D	$73.45
HIGThe Hartford Insurance Group, Inc.	C	C	D	$126.57
ACGLArch Capital Group Ltd	C	B	D	$88.74
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	C	B	D	$16.54

About

Heritage Insurance Holdings Inc is a regional property and casualty insurer specializing in personal and commercial residential insurance across 14 states through its subsidiaries. The company maintains in-house operations for underwriting, actuarial analysis, distribution, and claims processing, providing operational control and cost efficiency in its insurance portfolio.