HRTG logo
HRTG NYSE US

Heritage Insurance Holdings, Inc. Common Stock

Financials · Insurance Website · IPO May 2014
$26.16
▼ $-0.90 (-3.33%)
Vol 209K
Mkt Cap
$803.7M
P/E
4.1
ROE
47.3%
Margin
23.1%
Beta
1.05
Div Yield
2.84%
52W
$14–$32

Wall Street Consensus

9 analysts · Apr 2026
2
Strong Buy
5
Buy
2
Hold
0
Sell
0
Strong Sell
77.8%
Buy Rating

Price Chart

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Earnings

Beat rate: 100.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $1.77 $2.15 +$0.38
Sep 2025 $0.54 $1.63 +$1.09
Jun 2025 $1.03 $1.55 +$0.52
Mar 2025 $0.46 $0.99 +$0.53

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $210.3M $230.9M $208.0M $212.5M $142.4M
Net Income — $20.3M $30.5M $48.0M $50.4M $66.7M

Key Ratios

ROA (TTM)
8.4%
P/S (TTM)
0.95
P/B
1.8
EPS (TTM)
$6.32
CF/Share
$1.47
Rev Growth 3Y
+8.6%
52W High
$31.98
52W Low
$14.22
$14.22 52-Week Range $31.98

Financial Health

Free Cash Flow
$10.9M
Net Debt
-$459.5M
Cash
$559.3M
Total Debt
$99.8M
As of Dec 31, 2025

How does HRTG compare to Insurance peers?

Peer group: Peers · Insurance (Peers) · 10 companies

HRTG BOW PGR TRUP ASIC UVE UFCS EIG ROOT SAFT

HRTG valuation vs Insurance peers

P/E ratio
4.1
▼ 71% below peers (13.9)
vs Peers
vs Industry
Undervalued
P/S ratio
1.0
▼ 0% below peers (1.0)
vs Peers
vs Industry
Fair value
P/B ratio
1.8
▲ 2% above peers (1.8)
vs Peers
vs Industry
Fair value
Div yield
2.8%
▲ 22% above peers (2.3%)
vs Peers
vs Industry
Low yield

HRTG profitability vs Insurance peers

ROE
47.3%
▲ 255% above peers (13.3%)
vs Peers
vs Industry
Top tier
Net margin
23.1%
▲ 157% above peers (9.0%)
vs Peers
vs Industry
Top tier
Gross margin
—
▼ 0% below peers (15.6%)
vs Peers
vs Industry
Weak
ROA
8.4%
▲ 127% above peers (3.7%)
vs Peers
vs Industry
Top tier

HRTG financial health vs Insurance peers

D/E ratio
—
▼ 0% below peers (23.7)
vs Peers
vs Industry
In line
Current ratio
0.3
▲ 1% above peers (0.3)
vs Peers
vs Industry
In line
Beta
1.1
▲ 66% above peers (0.6)
vs Peers
vs Industry
More volatile

HRTG fundamentals radar

HRTG Peer median Industry

HRTG profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

HRTG vs peers: key metrics

Insider Activity

Bearish
Buys
5
Sells
7
$3167031
MOURA TIMOTHY
Officer · Apr 02
sale
50490 shs
BINNUN SHARON
Officer · Apr 01
sale
9200 shs
GARATEIX ERNESTO J
Chief Executive Officer · Mar 20
sale
8334 shs
MOURA TIMOTHY
Officer · Mar 19
sale
29133 shs
BINNUN SHARON
Officer · Mar 17
sale
7893 shs
JOHNS TIMOTHY E.
Officer · Mar 05
award
2599 shs
GARATEIX ERNESTO J
Chief Executive Officer · Mar 05
award
107085 shs
BINNUN SHARON
Officer · Mar 05
award
15184 shs
LUSK KIRK H.
Chief Financial Officer · Mar 05
award
42758 shs
MOURA TIMOTHY
Officer · Mar 05
award
20599 shs
Last 90 days

Insider Buy Returns

WHITING PAUL L
Aug 08, 2025
$51248 +27.61%
WHITING PAUL L
Jun 09, 2025
$55900 +16.99%

Top Holders

Top 5: 23.01%
Blackrock Inc.
7.21%
$57.9M
Vanguard Group Inc
6.12%
$49.2M
Dimensional Fund Advisors LP
3.94%
$31.7M
American Century Companies …
3.02%
$24.2M
Prudential Financial, Inc.
2.72%
$21.8M
As of Dec 31, 2025

Dividends

$0.24
/ year
Jun 13, 2022 $0.0600
Mar 16, 2022 $0.0600
Dec 14, 2021 $0.0600
Sep 14, 2021 $0.0600
Jun 14, 2021 $0.0600
Mar 12, 2021 $0.0600
Dec 14, 2020 $0.0600
Sep 14, 2020 $0.0600

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