HERITAGE INSURANCE HOLDINGS INC (HRTG) Stock Price

HRTGStock

$35.77+49.42%52W

Market Cap$1.06B

P/E5.44x

PEG Ratio0.06

Div yield2.84%

Beta1.01

HRTG Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)25.74%

Price vs S&P 500 (4W)6.07%

PEG Ratio0.06

VGM Score71.57

P/E Ratio (Annual)5.44x

Indicated Dividend Yield (Annual)2.84%

P/CF (Annual)5.84x

Book Value / Share (Quarterly)$19.09

P/TBV (Annual)1.90x

Revenue Growth (3Y)8.55%

Cash Flow / Share (Quarterly)$10.01

Payout Ratio (TTM)0.04%

Price vs S&P 500 (YTD)10.32%

Net Profit Margin (TTM)25.19%

EPS (TTM)$7.02

10-Day Avg Trading Volume0.20M

EPS Excl Extra (TTM)$7.02

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)4.94x

Revenue Growth QoQ (YoY)2.96%

EPS Growth (5Y)80.25%

P/E Normalized (Annual)5.44x

ROA (Last FY)8.91%

Revenue Growth TTM (YoY)1.54%

EBITD / Share (TTM)$9.67

ROE (5Y Avg)-11.84%

Operating Margin (TTM)34.46%

Cash Flow / Share (Annual)$5.65

P/B Ratio1.87x

P/B Ratio (Quarterly)1.39x

Net Income / Employee (Annual)$360,900

EV / Revenue (TTM)0.66x

Net Interest Coverage (TTM)33.87x

ROA (TTM)9.53%

EPS Growth QoQ (YoY)32.72%

EV / EBITDA (TTM)1.89x

EPS Incl Extra (Annual)$6.32

Current Ratio (Annual)0.31x

Quick Ratio (Quarterly)0.21x

3-Month Avg Trading Volume0.32M

52-Week Price Return49.42%

EV / Free Cash Flow (Annual)3.22x

P/E Incl Extra (TTM)4.94x

Revenue / Employee (TTM)$1,576,800

Tangible BV / Share (Quarterly)$18.18

P/S Ratio (Annual)1.26x

Asset Turnover (Annual)0.39x

52-Week High$37.30

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 Return35.65%

Quick Ratio (Annual)0.21x

13-Week Price Return32.29%

Total Debt / Equity (Annual)0.19x

Current Ratio (Quarterly)0.31x

Enterprise Value$561.47M

Revenue / Share Growth (5Y)5.25%

Asset Turnover (TTM)0.38x

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 Dev44.06%

Net Income / Employee (TTM)$397,200

EBITDA CAGR (5Y)71.26%

ROE (Last FY)38.71%

Net Interest Coverage (Annual)41.78x

EPS Basic Excl Extra (Annual)$6.32

P/FCF (TTM)3.57x

EV / Free Cash Flow (TTM)1.89x

Total Debt / Equity (Quarterly)0.15x

EPS Incl Extra (TTM)$7.02

ROI (TTM)35.91%

P/S Ratio (TTM)1.24x

Pretax Margin (5Y Avg)2.13%

Revenue / Share (Annual)$27.38

Tangible BV / Share (Annual)$15.41

Forward P/E6.54x

Free OCF CAGR (5Y)0.56%

Price vs S&P 500 (52W)33.88%

P/E Ratio (TTM)4.94x

EPS Growth TTM (YoY)102.68%

Year-to-Date Return22.25%

5-Day Price Return1.10%

EPS Normalized (Annual)$6.32

ROA (5Y Avg)0.66%

Net Profit Margin (Annual)23.08%

Month-to-Date Return7.90%

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)3.49x

ROI (5Y Avg)-2.05%

P/E Excl Extra (TTM)4.94x

LT Debt / Equity (Quarterly)0.13x

EPS Basic Excl Extra (TTM)$7.02

P/TBV (Quarterly)1.46x

P/B Ratio (Annual)1.79x

Pretax Margin (TTM)33.64%

Book Value / Share (Annual)$16.39

Price vs S&P 500 (13W)29.60%

Net Margin Growth (5Y)71.19%

Beta1.01x

P/FCF (Annual)6.11x

Revenue / Share (TTM)$28.42

ROE (TTM)42.41%

52-Week Low$20.48

vGradeB

gGradeC

mGradeA

vgmGradeB

HRTG Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 5, 2026	$1.25	$2.05	+64.65%(+$0.81)
Q1 2026	May 7, 2026	$1.53	$1.19	-22.46%(-$0.34)
Q4 2025	Mar 9, 2026	$1.74	$2.15	+24.06%(+$0.42)
Q3 2025	Nov 5, 2025	$0.53	$1.56	+194.34%(+$1.03)
Q2 2025	Aug 5, 2025	$1.01	$1.55	+53.47%(+$0.54)

HRTG Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.00

Industry Peers — Property & Casualty Insurance(74)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	Indicated Dividend Yield (Annual)	Operating Margin (TTM)	Price
HRTGHERITAGE INSURANCE HOLDINGS INC	B	C	A	1.4x	42.4%	2.8%	34.5%	$35.77
BRK.BBERKSHIRE HATHAWAY Class B	F	C	B	1.4x	11.9%	—	13.9%	$532.02
BRK.ABerkshire Hathaway Inc.	F	C	B	1.4x	11.9%	—	13.9%	$798000.00
CBChubb Limited	D	C	B	1.8x	15.2%	1.5%	23.3%	$359.79
PGRProgressive Corporation	C	C	C	3.7x	35.4%	0.2%	16.6%	$218.49
TRVThe Travelers Companies, Inc.	D	C	A	2.1x	25.6%	2.3%	22.0%	$389.54
ALLThe Allstate Corporation	B	B	B	1.8x	43.1%	2.6%	24.2%	$247.88
AIGAmerican International Group, Inc.	C	D	C	1.0x	7.3%	2.2%	15.1%	$80.74
HIGThe Hartford Insurance Group, Inc.	C	C	C	1.9x	23.0%	2.4%	17.6%	$135.12
ACGLArch Capital Group Ltd	C	C	C	1.4x	19.5%	—	23.9%	$101.27
WRBW.R. Berkley Corporation	D	C	C	2.7x	19.7%	0.5%	17.4%	$75.42
CINFCincinnati Financial Corp	D	C	C	1.7x	20.9%	2.9%	16.6%	$171.25
MKLMarkel Group Inc.	C	C	D	1.3x	12.4%	—	18.6%	$1850.13
LLoews Corporation	D	C	C	1.2x	9.0%	0.4%	14.0%	$110.52
EGEverest Group, Ltd.	B	C	B	0.9x	12.4%	1.7%	14.3%	$389.10
RNRRenaissanceRe Holdings Ltd.	B	C	B	1.1x	22.7%	0.7%	42.0%	$351.06
CNACNA Financial Corporation	B	C	D	1.2x	11.0%	4.0%	11.2%	$47.90
AFGAmerican Financial Group, Inc.	D	D	B	2.4x	20.0%	2.5%	14.4%	$149.13
KNSLKinsale Capital Group, Inc.	F	B	C	3.7x	29.1%	0.2%	33.8%	$365.24
THGThe Hanover Insurance Group, Inc.	C	C	A	2.0x	21.2%	2.7%	14.6%	$232.97
AXSAxis Capital Holders Limited	B	B	D	1.2x	17.3%	3.2%	19.7%	$99.63
MCYMercury General Corp.	B	B	C	2.1x	37.2%	3.4%	18.8%	$102.80
RLIRLI Corp.	D	B	C	3.1x	24.4%	0.8%	28.5%	$61.07
SIGISelective Insurance Group	C	C	C	1.6x	13.9%	1.4%	11.9%	$89.16
WTMWhite Mountains Insurance Group Ltd.	C	B	C	1.0x	21.2%	0.0%	46.7%	$2160.31
PLMRPalomar Holdings, Inc. Common stock	F	A	B	3.4x	21.6%	1.5%	24.1%	$139.59
HGHamilton Insurance Group, Ltd. Class B Common Shares	B	B	B	1.2x	21.2%	0.0%	28.2%	$36.21
LMNDLemonade, Inc.	F	A	F	10.0x	-26.8%	—	-13.7%	$44.20
SLDESlide Insurance Holdings, Inc. Common Stock	B	A	A	1.9x	50.7%	1.3%	53.0%	$27.07
SPNTSiriusPoint Ltd.	C	B	C	1.2x	21.8%	—	22.0%	$25.12
SKWDSkyward Specialty Insurance Group, Inc. Common Stock	D	B	B	1.9x	16.8%	—	15.2%	$61.23
HCIHCI Group, Inc.	C	B	C	2.1x	30.8%	1.8%	48.8%	$198.55
PLGOPelagos Insurance Capital Limited	B	C	B	0.9x	17.3%	2.5%	19.5%	$25.36
HMNHorace Mann Educators Corporation	B	C	D	1.4x	12.0%	3.9%	14.6%	$46.33
KMPRKemper Corporation	B	F	C	0.7x	-19.3%	2.9%	-10.2%	$29.27
SAFTSafety Insurance Group Inc	D	D	A	1.3x	7.8%	4.7%	6.8%	$104.03
UFCSUnited Fire Group Inc.	C	B	A	1.4x	15.0%	3.0%	12.9%	$56.44
UVEUNIVERSAL INSURANCE HLDG, INC.	B	B	A	1.8x	38.8%	3.8%	17.9%	$47.12
ASICAtegrity Specialty Insurance Company Holdings	D	A	A	1.7x	17.1%	—	20.6%	$27.25
BOWBowhead Specialty Holdings Inc.	D	B	B	2.1x	13.7%	—	14.7%	$34.19
HIPOHippo Holdings Inc.	D	A	B	1.6x	27.4%	—	24.6%	$35.28
EIGEmployers Holdings, Inc.	D	D	B	1.1x	0.8%	2.9%	1.1%	$51.21
ROOTRoot, Inc. Class A Common Stock	B	C	D	2.0x	15.1%	—	5.2%	$50.47
MHLAMaiden Holdings, Ltd.	C	C	F	0.6x	-30.2%	—	-83.3%	$8.93
DGICBDonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$19.09
DGICADonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$18.68
TIPTTiptree Inc. Common Stock	A	C	D	0.7x	68.6%	1.1%	7.7%	$16.46
AIIAmerican Integrity Insurance Group, Inc.	B	C	B	1.0x	25.9%	0.0%	36.2%	$27.50
ACICAmerican Coastal Insurance Corporation Common Stock	C	D	C	1.6x	30.4%	0.0%	40.3%	$11.10
GLREGreenlight Captial RE, LTD. Class A	B	C	D	0.8x	7.3%	—	5.0%	$14.82
AMSFAMERISAFE, Inc.	C	D	F	2.5x	18.4%	2.6%	14.5%	$25.25

About HERITAGE INSURANCE HOLDINGS INC

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.

HRTG Next Earnings Report

Report dateNov 4, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$0.91

Revenue estimate$217.06M

Also reporting on Nov 4, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for November 2026

HRTG Insider Transactions

SellSep 18, 2026
JOHNS TIMOTHY E.
Officer
Shares: 3,500Value: $121,579
SellSep 14, 2026
GARATEIX ERNIE J
Chief Executive Officer
Shares: 2,500Value: $88,135
SellSep 9, 2026
BINNUN SHARON
Officer
Shares: 6,565Value: $221,995
SellSep 3, 2026
GARATEIX ERNIE J
Chief Executive Officer
Shares: 2,500Value: $87,750
SellSep 1, 2026
BINNUN SHARON
Officer
Shares: 9,200Value: $311,994

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

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Same SIC sector, outside this company's own industry.

Analyst Sentiment

4.0

Buy

Consensus rating

52-Week Range

Low$20.48

High$37.30