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HERITAGE INSURANCE HOLDINGS INC (HRTG)
Price$27.29
Favorite Metrics
Price vs S&P 500 (26W)-1.09%
Price vs S&P 500 (4W)-8.02%
Market Capitalization$822.71M
P/E Ratio (Annual)4.21x
Indicated Dividend Yield (Annual)2.84%
All Metrics
P/CF (Annual)4.51x
Book Value / Share (Quarterly)$16.39
P/TBV (Annual)1.90x
Revenue Growth (3Y)8.55%
Cash Flow / Share (Quarterly)$5.65
Payout Ratio (TTM)0.04%
Price vs S&P 500 (YTD)-11.46%
Net Profit Margin (TTM)23.08%
EPS (TTM)$6.32
10-Day Avg Trading Volume0.25M
EPS Excl Extra (TTM)$6.32
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)4.21x
Revenue Growth QoQ (YoY)2.40%
EPS Growth (5Y)80.25%
P/E Normalized (Annual)4.21x
ROA (Last FY)8.91%
Revenue Growth TTM (YoY)3.71%
EBITD / Share (TTM)$8.71
ROE (5Y Avg)-11.84%
Operating Margin (TTM)31.53%
Cash Flow / Share (Annual)$5.65
P/B Ratio1.63x
P/B Ratio (Quarterly)1.79x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)0.42x
Net Interest Coverage (TTM)33.87x
ROA (TTM)8.40%
EPS Growth QoQ (YoY)226.14%
EV / EBITDA (TTM)1.33x
EPS Incl Extra (Annual)$6.32
Current Ratio (Annual)0.31x
Quick Ratio (Quarterly)0.21x
3-Month Avg Trading Volume0.31M
52-Week Price Return53.07%
EV / Free Cash Flow (Annual)2.05x
P/E Incl Extra (TTM)4.21x
Revenue / Employee (TTM)$2
Tangible BV / Share (Quarterly)$15.41
P/S Ratio (Annual)0.97x
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 Return2.89%
Quick Ratio (Annual)0.21x
13-Week Price Return-0.41%
Total Debt / Equity (Annual)0.19x
Current Ratio (Quarterly)0.31x
Enterprise Value$357.447
Revenue / Share Growth (5Y)5.25%
Asset Turnover (TTM)0.36x
Book Value / Share Growth (5Y)0.51%
Revenue / Employee (Annual)$2
Pretax Margin (Annual)30.60%
Cash / Share (Annual)$11.00
3-Month Return Std Dev49.39%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)71.26%
ROE (Last FY)38.71%
Net Interest Coverage (Annual)33.88x
EPS Basic Excl Extra (Annual)$6.32
P/FCF (TTM)4.69x
EV / Free Cash Flow (TTM)2.05x
Total Debt / Equity (Quarterly)0.19x
EPS Incl Extra (TTM)$6.32
ROI (TTM)37.87%
P/S Ratio (TTM)0.97x
Pretax Margin (5Y Avg)2.13%
Revenue / Share (Annual)$27.38
Tangible BV / Share (Annual)$15.41
Forward P/E5.91x
Free OCF CAGR (5Y)0.56%
Price vs S&P 500 (52W)23.24%
P/E Ratio (TTM)4.21x
EPS Growth TTM (YoY)214.63%
Year-to-Date Return-8.82%
5-Day Price Return-1.40%
EPS Normalized (Annual)$6.32
ROA (5Y Avg)0.66%
Net Profit Margin (Annual)23.08%
Month-to-Date Return1.64%
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)4.51x
ROI (5Y Avg)-2.05%
P/E Excl Extra (TTM)4.21x
LT Debt / Equity (Quarterly)0.16x
EPS Basic Excl Extra (TTM)$6.32
P/TBV (Quarterly)1.90x
P/B Ratio (Annual)1.79x
Pretax Margin (TTM)30.60%
Book Value / Share (Annual)$16.39
Price vs S&P 500 (13W)-1.10%
Net Margin Growth (5Y)71.19%
Beta1.02x
P/FCF (Annual)4.72x
Revenue / Share (TTM)$27.37
ROE (TTM)47.28%
52-Week Low$16.50
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.00
4.00
Industry Peers — Property & Casualty Insurance(68)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | Indicated Dividend Yield (Annual) | Operating Margin (TTM) | Price |
|---|---|---|---|---|---|
HRTGHERITAGE INSURANCE HOLDINGS INC | 1.79x | 47.28% | 2.84% | 31.53% | $27.29 |
BRK.BBERKSHIRE HATHAWAY Class B | 1.51x | 9.78% | — | 12.04% | $475.12 |
BRK.ABerkshire Hathaway Inc. | 1.51x | 9.78% | — | 12.04% | $712700.00 |
CBChubb Limited | 1.67x | 14.69% | 1.19% | 22.32% | $328.42 |
PGRProgressive Corporation | 4.40x | 35.52% | 0.20% | 16.55% | $203.47 |
TRVThe Travelers Companies, Inc. | 1.97x | 20.58% | 1.47% | 16.84% | $298.84 |
ALLThe Allstate Corporation | 1.78x | 39.47% | 1.98% | 19.44% | $213.87 |
AIGAmerican International Group, Inc. | 1.12x | 7.50% | 2.33% | 15.97% | $78.22 |
HIGThe Hartford Insurance Group, Inc. | 2.02x | 21.37% | 1.73% | 17.34% | $138.28 |
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G | 1.44x | 19.02% | — | 23.57% | $17.27 |
ACGLArch Capital Group Ltd | 1.44x | 19.02% | — | 23.57% | $97.10 |
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.