HRTG Heritage Insurance Holdings, Inc. Common Stock
NYSE · Insurance · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$33.99
· of 52w range
· above low
· to high
$20.4852w low
$36.5052w high
Market Cap (MRQ)
$1.01B
P/E (TTM)
4.8
EPS (TTM)
$7.02
Revenue (TTM)
$855M
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52W Range
$20–$36
Analyst Rating
BUY
Price Target
$39
P/E
4.8
ROE
45.3%
Net Profit Margin
25.2%
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HRTG Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$33.99
Market Cap (MRQ)
$1.01B
P/E (TTM)
4.8
EPS (TTM)
$7.02
Revenue (TTM)
$855M
ROE (TTM)
45.3%
52W Range
$20–$37
HRTG Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$847M2016-12-31 → 2025-12-31
EPS$6.322016-12-31 → 2025-12-31
Free Cash Flow$174M2016-12-31 → 2025-12-31
Net margin25.2%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | HRTG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 4.85Y avg ≈2.4 | ≈2.4 | 11.2 | Undervalued | |
| P/S (TTM) | 1.25Y avg ≈0.4 | ≈0.4 | 1.1 | Undervalued | |
| P/B (MRQ) | 1.85Y avg ≈0.9 | ≈0.9 | 1.7 | Undervalued | |
| Price / FCF (TTM) | 3.45Y avg ≈2.5 | ≈2.5 | · | · | |
| Price / Cash Flow (TTM) | 3.35Y avg ≈2.3 | ≈2.3 | 6.9 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.95Y avg ≈1.2 | ≈1.2 | · | · | |
| PEG Ratio | ≈0.1 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | HRTG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Operating Margin (TTM) | 34.5%5Y avg ≈1.4% | ≈1.4% | · | · | |
| EBITDA Margin (TTM) | 35.3%5Y avg ≈1.6% | ≈1.6% | 2.0% | Top tier | |
| Pretax Margin (TTM) | 33.6%5Y avg ≈0.14% | ≈0.14% | 14.2% | Top tier | |
| Net Profit Margin (TTM) | 25.2%5Y avg ≈-1.5% | ≈-1.5% | 13.2% | Top tier | |
| ROA (TTM) | 8.6%5Y avg ≈-0.09% | ≈-0.09% | 3.4% | Top tier | |
| ROE (TTM) | 45.3%5Y avg ≈-18.9% | ≈-18.9% | 14.6% | Top tier | |
| ROIC | 39.9%5Y avg ≈-16.5% | ≈-16.5% | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | HRTG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 3.7%5Y avg ≈7.4% | ≈7.4% | · | · | |
| Revenue CAGR 3Y | 8.6%5Y avg ≈8.3% | ≈8.3% | · | · | |
| Revenue CAGR 5Y | 7.4% | · | · | · | |
| EPS YoY | 214.4% | · | · | · | |
| Net Income YoY | 217.8% | · | · | · | |
| EPS CAGR 3Y | 73.7% | · | · | · | |
| EPS CAGR 5Y | 80.5% | · | · | · | |
| Net Income CAGR 3Y | 69.4% | · | · | · | |
| Net Income CAGR 5Y | 83.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | HRTG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.45Y avg ≈0.3 | ≈0.3 | 0.4 | In line | |
| Revenue / Employee | ≈$1.6M | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$0.24
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jun 13, 2022 | $0.06 | USD | ≈6.8% |
| Mar 16, 2022 | $0.06 | USD | ≈3.6% |
| Dec 14, 2021 | $0.06 | USD | ≈4.1% |
| Sep 14, 2021 | $0.06 | USD | ≈3.8% |
| Jun 14, 2021 | $0.06 | USD | ≈2.7% |
| Mar 12, 2021 | $0.06 | USD | ≈2.1% |
| Dec 14, 2020 | $0.06 | USD | ≈2.5% |
| Sep 14, 2020 | $0.06 | USD | ≈1.9% |
| Jun 12, 2020 | $0.06 | USD | ≈2.0% |
| Mar 13, 2020 | $0.06 | USD | ≈2.3% |
| Dec 13, 2019 | $0.06 | USD | ≈1.8% |
| Sep 13, 2019 | $0.06 | USD | ≈1.6% |
| Jun 13, 2019 | $0.06 | USD | ≈1.5% |
| Mar 14, 2019 | $0.06 | USD | ≈1.6% |
| Dec 13, 2018 | $0.06 | USD | ≈1.6% |
| Sep 13, 2018 | $0.06 | USD | ≈1.5% |
| Jun 14, 2018 | $0.06 | USD | ≈1.5% |
| Mar 14, 2018 | $0.06 | USD | ≈1.4% |
| Nov 16, 2017 | $0.06 | USD | ≈1.4% |
| Sep 14, 2017 | $0.06 | USD | ≈1.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
71.4%
Next Report
Nov 03, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 11, 2026 | $2.05 | $1.27 | 61.3% |
| March 31, 2026 | $1.19 | $1.56 | -23.8% | |
| Dec. 31, 2025 | $2.15 | $1.77 | 21.4% | |
| Sept. 30, 2025 | $1.63 | $0.54 | 201.5% | |
| June 30, 2025 | $1.55 | $1.03 | 50.4% | |
| March 31, 2025 | $0.99 | $0.46 | 117.4% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $847M | $817M | $735M | $662M | $632M | $593M | $511M | $480M | $407M | $439M | $395M | $234M | |
| SG&A Expense | $93M | $85M | $78M | $70M | $66M | $82M | $81M | $89M | $72M | $59M | $46M | $33M | |
| Operating Income | $267M | $94M | $63M | $-157M | $-68M | $10M | $50M | $70M | $50M | $57M | $150M | $74M | |
| Other Non-op | · | · | · | · | · | · | $-48.0K | $-11M | $-42M | · | · | · | |
| Pretax Income | $259M | $83M | $52M | $-166M | $-76M | $2M | $41M | $39M | $-6M | $56M | $150M | $74M | |
| Income Tax | $64M | $21M | $7M | $-12M | $-1M | $-7M | $12M | $12M | $-5M | $23M | $58M | $27M | |
| Net Income | $196M | $62M | $45M | $-154M | $-75M | $9M | $29M | $27M | $-1M | $34M | $93M | $47M | |
| EPS (Basic) | $6.33 | $2.01 | $1.73 | $-5.86 | $-2.69 | $0.33 | $0.98 | $1.05 | $-0.04 | $1.14 | $3.08 | $1.92 | |
| EPS (Diluted) | $6.32 | $2.01 | $1.73 | $-5.86 | $-2.69 | $0.33 | $0.98 | $1.04 | $-0.04 | $1.14 | $3.05 | $1.82 | |
| Shares (Basic) | 30,890,609 | 30,595,348 | 26,193,065 | 26,343,826 | 27,804,355 | 27,978,519 | 29,213,910 | 25,941,253 | 26,798,465 | 29,632,171 | 30,056,491 | 24,568,876 | |
| Shares (Diluted) | 30,949,899 | 30,654,611 | 26,252,328 | 26,343,826 | 27,804,355 | 27,988,966 | 29,232,981 | 26,095,874 | 26,798,465 | 29,634,349 | 30,326,468 | 25,816,560 | |
| EBITDA | $274M | · | $63M | $-157M | $-68M | $10M | $50M | $70M | $50M | $57M | $1M | $800.0K |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $559M | $453M | $464M | $281M | $359M | $441M | $268M | $250M | $154M | $106M | $236M | $160M | |
| PP&E (Net) | $28M | $38M | $33M | $26M | $17M | $19M | $21M | $18M | $19M | $17M | $17M | $17M | |
| PP&E (Gross) | $48M | $58M | $50M | $40M | $30M | $30M | $31M | $26M | $24M | $21M | $19M | $18M | |
| Accum. Depreciation | $20M | $20M | $17M | $15M | $13M | $11M | $10M | $8M | $5M | $4M | $2M | $927.0K | |
| Goodwill | · | · | · | $0 | $92M | $152M | $152M | $152M | $152M | $46M | $8M | $2M | |
| Intangibles | $30M | $36M | $43M | $50M | $56M | $62M | $69M | $77M | $102M | $27M | $2M | · | |
| Total Assets | $2.20B | $2.47B | $2.12B | $2.39B | $1.98B | $2.09B | $1.94B | $1.77B | $1.77B | $1.03B | $837M | $615M | |
| Deferred Tax | · | · | · | $0 | $9M | $18M | $13M | · | · | · | · | · | |
| Total Liabilities | $1.69B | $2.18B | $1.90B | $2.26B | $1.64B | $1.65B | $1.49B | $1.34B | $1.39B | $675M | $481M | $360M | |
| Long-term Debt | $78M | $116M | $120M | $129M | $121M | $121M | $129M | $149M | $184M | $73M | · | · | |
| Common Stock | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | |
| Paid-in Capital | · | · | · | · | · | · | · | · | · | · | · | $188M | |
| Retained Earnings | $283M | $88M | $26M | $-19M | $138M | $220M | $217M | $196M | $175M | $183M | $156M | $65M | |
| Treasury Stock | $133M | $131M | $131M | $131M | $124M | $115M | $105M | $89M | $87M | $26M | · | · | |
| AOCI | $-11M | $-29M | $-35M | $-54M | $-5M | $6M | $7M | $-7M | $-3M | $-5M | $-2M | $2M | |
| Stockholders' Equity | $505M | $291M | $220M | $131M | $343M | $442M | $449M | $425M | $380M | $358M | $357M | $255M | |
| Liabilities + Equity | $2.20B | $2.47B | $2.12B | $2.39B | $1.98B | $2.09B | $1.94B | $1.77B | $1.77B | $1.03B | $837M | $615M | |
| Shares Outstanding | 30,833,776 | 30,607,039 | 30,218,938 | 25,539,433 | 26,753,511 | 27,748,606 | 28,650,918 | 29,477,756 | 25,885,004 | 28,840,443 | 30,441,410 | 29,794,960 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $6M | $3M | $2M | $8M | $8M | $8M | $10M | $27M | $8M | $9M | $1M | $800.0K | |
| Stock-based Comp | $5M | $3M | $1M | $2M | $1M | $5M | $5M | $5M | $5M | $5M | $3M | $3M | |
| Deferred Tax | $2M | $-5M | $40.0K | $-11M | $-6M | $6M | $-898.0K | $-22M | $20M | $3M | $1M | $-4M | |
| Amort. of Intangibles | $6M | $6M | $6M | $6M | $6M | $6M | $8M | $25M | $6M | $7M | $80.0K | · | |
| Other Non-cash | $-28M | · | · | · | · | · | · | · | · | · | $56M | $147M | |
| Operating Cash Flow | $182M | $87M | $70M | $-34M | $60M | $170M | $120M | $96M | $7M | $83M | $147M | $194M | |
| CapEx | $8M | $8M | $10M | $9M | $1M | $755.0K | $5M | $2M | $385.0K | $2M | $1M | $7M | |
| Investing Cash Flow | $-33M | $-92M | $101M | $-38M | $-124M | $22M | $-54M | $23M | $-7M | $-249M | · | · | |
| Debt Issued | · | $0 | $0 | $35M | $3M | $0 | $0 | $114M | · | · | · | · | |
| Net Debt Issued | · | · | $0 | $35M | $3M | · | · | $35M | · | · | · | · | |
| Stock Issued | $0 | $-3.0K | $25M | $0 | $0 | · | · | · | · | · | · | $88.0K | |
| Stock Repurchased | · | $0 | $0 | $7M | $8M | $10M | $16M | $2M | $62M | $26M | · | · | |
| Net Stock Activity | $0 | · | $25M | $-7M | $-8M | $-10M | $-16M | $-2M | $-62M | $-26M | · | $88.0K | |
| Dividends Paid | · | · | $11.0K | $5M | $7M | $7M | $7M | $6M | $8M | $7M | · | · | |
| Financing Cash Flow | $-41M | $-5M | $15M | $-5M | $-17M | $-29M | $-45M | $-32M | $48M | $44M | $10M | · | |
| Net Change in Cash | $109M | $-10M | $186M | $-77M | $-82M | $163M | $21M | $88M | $48M | $-123M | $76M | $95M | |
| Taxes Paid | $58M | $13M | $8M | $-285.0K | $528.0K | $16M | $14M | $31M | $4M | $32M | $69M | $13M | |
| Free Cash Flow | $174M | · | $61M | $-36M | $59M | $169M | $115M | $93M | $7M | $74M | $153M | $187M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 31.5% | · | 8.6% | -23.8% | -10.8% | 1.7% | 9.7% | 14.5% | 12.2% | 12.9% | · | · | |
| Net Margin | 23.1% | · | 6.2% | -23.3% | -11.8% | 1.6% | 5.6% | 5.7% | -0.28% | 7.7% | 23.4% | 20.1% | |
| Pretax Margin | 30.6% | · | 7.1% | -25.1% | -12.0% | 0.37% | 8.0% | 8.1% | -1.5% | 12.8% | 38.1% | 31.8% | |
| EBITDA Margin | 32.3% | · | 8.6% | -23.8% | -10.8% | 1.7% | 9.7% | 14.5% | 12.2% | 12.9% | 0.33% | 0.34% | |
| ROA | 8.4% | · | 2.0% | -7.1% | -3.7% | 0.46% | 1.5% | 1.5% | -0.08% | 3.6% | 12.7% | 10.5% | |
| ROE | 44.0% | · | 24.4% | -124.1% | -20.0% | 2.1% | 6.4% | 6.7% | -0.33% | 9.2% | 26.9% | 19.4% | |
| ROIC | 39.9% | · | 25.0% | -111.5% | -19.5% | 9.7% | 7.7% | 11.4% | 2.5% | 9.5% | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | · | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.5 | 0.5 | 0.5 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $16.39 | · | $7.29 | $5.13 | $12.82 | $15.94 | $15.66 | $14.43 | $14.67 | $12.41 | $11.71 | $8.56 | |
| Revenue / Share | $27.38 | · | $28.02 | $25.15 | $22.71 | $21.20 | $17.49 | $18.40 | $15.17 | $14.81 | $13.02 | $9.06 | |
| Cash Flow / Share | $5.89 | · | $2.68 | $-1.30 | $2.16 | $6.08 | $4.09 | $3.66 | $0.28 | $2.54 | $5.07 | $7.52 | |
| Cash / Share | $18.14 | · | $15.34 | $11.00 | $13.43 | $15.89 | $9.37 | $8.48 | $5.94 | $3.67 | $7.76 | $5.39 | |
| Dividend / Share | · | · | · | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | · | · | · | |
| Dividend Paid / Share | · | · | · | · | · | · | · | $0.24 | $0.30 | $0.23 | $0.05 | · | |
| EPS (TTM) | $6.32 | $2.01 | $1.73 | $-5.86 | $-2.69 | $0.33 | $0.98 | $1.04 | $-0.04 | $1.14 | $3.05 | $1.82 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 3.7% | 11.1% | 11.0% | 4.9% | 6.4% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 8.6% | 9.0% | 7.4% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 7.4% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 214.4% | 16.2% | · | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | · | · | 73.7% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 80.5% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 217.8% | 35.8% | · | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | · | · | 69.4% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 83.8% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $847M | $817M | $735M | $662M | $632M | $593M | $511M | $480M | $407M | $439M | $395M | $234M | |
| Net Income TTM | $196M | $62M | $45M | $-154M | $-75M | $9M | $29M | $27M | $-1M | $34M | $93M | $47M | |
| Market Cap | $902M | · | $197M | $46M | $157M | $281M | $380M | $434M | $466M | $452M | $664M | $579M | |
| P/E | 4.6 | 6.0 | 3.8 | -0.3 | -2.2 | 30.7 | 13.5 | 14.2 | -450.5 | 13.7 | 7.2 | 10.7 | |
| P/S | 1.1 | · | 0.3 | 0.1 | 0.2 | 0.5 | 0.7 | 0.9 | 1.1 | 1.0 | 1.7 | 2.5 | |
| P/B | 1.8 | · | 0.9 | 0.4 | 0.5 | 0.6 | 0.8 | 1.0 | 1.2 | 1.3 | 1.9 | 2.3 | |
| P / Tangible Book | 1.9 | 1.5 | 1.1 | 0.6 | 0.8 | 1.2 | · | · | · | · | · | · | |
| P / Cash Flow | 5.0 | · | 2.8 | -1.3 | 2.6 | 1.7 | 3.2 | 4.5 | 61.7 | 6.0 | 4.3 | 3.0 | |
| P / FCF | 5.2 | · | 3.3 | -1.3 | 2.7 | 1.7 | 3.3 | 4.7 | 65.0 | 6.1 | 4.4 | 3.1 | |
| Dividend Yield | · | · | 0.01% | 10.4% | 4.3% | 2.4% | 1.8% | 1.5% | 1.8% | 1.5% | · | · | |
| Earnings Yield | 21.6% | 16.6% | 26.5% | -325.6% | -45.8% | 3.3% | 7.4% | 7.1% | -0.22% | 7.3% | 14.0% | 9.4% | |
| Payout Ratio | · | · | 0.02% | -3.1% | -9.0% | 73.5% | 24.3% | 23.5% | -737.2% | 20.1% | · | · | |
| Annual Payout | · | · | $11.0K | $5M | $7M | $7M | $7M | $6M | $8M | $7M | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $214M | $213M | $215M | $212M | $208M | $212M | $210M | $212M | $204M | $191M | $187M | $186M | $185M | $177M | $175M | $165M | |
| SG&A Expense | $24M | $25M | $22M | $22M | $24M | $24M | $21M | $22M | $23M | $20M | $17M | $22M | $20M | $19M | $15M | $18M | |
| Operating Income | $84M | $51M | $90M | $70M | $65M | $42M | $32M | $12M | $28M | $23M | $36M | $-9M | $16M | $20M | $15M | $-47M | |
| Pretax Income | $82M | $49M | $88M | $68M | $63M | $40M | $29M | $9M | $25M | $20M | $33M | $-12M | $14M | $17M | $12M | $-49M | |
| Income Tax | $20M | $13M | $21M | $18M | $15M | $10M | $9M | $842.0K | $6M | $6M | $2M | $-5M | $6M | $3M | $-651.0K | $-1M | |
| Net Income | $62M | $36M | $67M | $50M | $48M | $30M | $20M | $8M | $19M | $14M | $31M | $-7M | $8M | $14M | $13M | $-48M | |
| EPS (Basic) | $2.06 | $1.19 | $2.16 | $1.63 | $1.55 | $0.99 | $0.66 | $0.27 | $0.62 | $0.47 | $1.16 | $-0.28 | $0.30 | $0.55 | $0.44 | $-1.83 | |
| EPS (Diluted) | $2.05 | $1.19 | $2.15 | $1.63 | $1.55 | $0.99 | $0.66 | $0.27 | $0.61 | $0.47 | $1.16 | $-0.28 | $0.30 | $0.55 | $0.44 | $-1.83 | |
| Shares (Basic) | 30,017,180 | 30,680,933 | · | 30,962,464 | 31,004,218 | 30,697,826 | · | 30,684,198 | 30,649,732 | 30,376,682 | · | 26,698,806 | 25,567,157 | 25,558,305 | · | 26,369,265 | |
| Shares (Diluted) | 30,076,443 | 30,740,251 | · | 31,021,780 | 31,063,481 | 30,757,089 | · | 30,743,461 | 30,708,995 | 30,435,945 | · | 26,698,806 | 25,626,420 | 25,617,568 | · | 26,369,265 | |
| EBITDA | $85M | $52M | · | $72M | $66M | $44M | · | $12M | $28M | $23M | · | · | $16M | $20M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $588M | $517M | $559M | $560M | $473M | $426M | $453M | $510M | $481M | $386M | · | $229M | $247M | $330M | · | $298M | |
| PP&E (Net) | $28M | $28M | $28M | $28M | $39M | $39M | $38M | $37M | $35M | $33M | · | $32M | $31M | $28M | · | $23M | |
| PP&E (Gross) | $47M | $46M | $48M | $46M | $62M | $61M | $58M | $56M | $53M | $50M | · | $49M | $46M | $43M | · | $37M | |
| Accum. Depreciation | $19M | $18M | $20M | $18M | $23M | $22M | $20M | $19M | $18M | $18M | · | $16M | $16M | $15M | · | $14M | |
| Goodwill | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | |
| Intangibles | $27M | $29M | $30M | $32M | $33M | $35M | $36M | $38M | $39M | $41M | · | $44M | $46M | $48M | · | $51M | |
| Total Assets | $2.45B | $2.02B | $2.20B | $2.37B | $2.54B | $2.21B | $2.47B | $2.37B | $2.60B | $2.13B | · | $2.37B | $2.36B | $2.16B | · | $2.52B | |
| Deferred Tax | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | |
| Total Liabilities | $1.88B | $1.50B | $1.69B | $1.93B | $2.15B | $1.88B | $2.18B | $2.10B | $2.34B | $1.90B | · | $2.22B | $2.20B | $2.00B | · | $2.40B | |
| Long-term Debt | $71M | $78M | $78M | $79M | $92M | $95M | $116M | $119M | $121M | $123M | · | $122M | $124M | $127M | · | $121M | |
| Common Stock | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | $3.0K | · | $3.0K | $3.0K | $3.0K | · | $3.0K | |
| Retained Earnings | $381M | $320M | $283M | $217M | $166M | $118M | $88M | $67M | $59M | $40M | · | $-5M | $3M | $-5M | · | $-32M | |
| Treasury Stock | $158M | $143M | $133M | $133M | $131M | $131M | $131M | $131M | $131M | $131M | · | $131M | $131M | $131M | · | $130M | |
| AOCI | $-15M | $-14M | $-11M | $-13M | $-18M | $-22M | $-29M | $-20M | $-35M | $-35M | · | $-50M | $-47M | $-44M | · | $-55M | |
| Stockholders' Equity | $568M | $520M | $505M | $437M | $383M | $329M | $291M | $279M | $255M | $235M | $220M | $151M | $161M | $155M | $131M | $118M | |
| Liabilities + Equity | $2.45B | $2.02B | $2.20B | $2.37B | $2.54B | $2.21B | $2.47B | $2.37B | $2.60B | $2.13B | · | $2.37B | $2.36B | $2.16B | · | $2.52B | |
| Shares Outstanding | 29,732,416 | 30,334,925 | 30,833,776 | 30,911,435 | 31,017,570 | 30,993,270 | 30,607,039 | 30,684,198 | 30,684,198 | 30,636,496 | · | 26,796,586 | 25,622,495 | 25,558,751 | · | 25,898,930 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $2M | $2M | $2M | $1M | $1M | $1M | $696.0K | $718.8K | $680.2K | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $2M | $986.0K | $1M | $1M | $2M | $1M | $1M | $820.0K | $833.0K | $595.0K | $-764.0K | $1M | $403.0K | $395.0K | $501.0K | $499.0K | |
| Deferred Tax | $38.0K | $1M | $950.0K | $2M | $9M | $-10M | $-105.0K | $-3M | $3M | $-4M | $479.0K | $-4M | $8M | $-4M | $-2M | $-786.0K | |
| Amort. of Intangibles | $2M | $2M | $2M | $2M | $2M | $2M | $-3M | $5M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Other Non-cash | · | $-16M | · | · | · | $-22M | · | · | · | · | · | · | · | · | · | · | |
| Operating Cash Flow | $142M | $25M | $14M | $124M | $43M | $837.0K | $-56M | $-13M | $152M | $4M | $100M | $-53M | $9M | $15M | $-19M | $32M | |
| CapEx | $657.0K | $2M | $3M | $2M | $2M | $2M | $3M | $3M | $2M | $229.0K | $1M | $2M | $6M | $2M | $4M | $4M | |
| Investing Cash Flow | $-53M | $-44M | $-12M | $-24M | $7M | $-3M | $2M | $45M | $-55M | $-83M | $113M | $38M | $-87M | $37M | $-4M | $-19M | |
| Debt Issued | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $35M | · | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | $0 | $0 | $0 | $614.0K | $2M | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | · | · | |
| Dividends Paid | · | · | · | · | · | · | · | · | · | · | · | $0 | $0 | $11.0K | · | $2M | |
| Financing Cash Flow | $-21M | $-20M | $-3M | $-13M | $-2M | $-22M | $-3M | $-2M | $-2M | $3M | $22M | $-2M | $-2M | $-2M | $7M | $-5M | |
| Net Change in Cash | $68M | $-39M | $-1M | $87M | $48M | $-24M | $-57M | $29M | $94M | $-76M | $235M | $-18M | $-80M | $49M | $-16M | $7M | |
| Taxes Paid | · | · | $10M | $3M | $45M | $0 | $-106.0K | $515.0K | $12M | $0 | $230.0K | $1M | $7M | $-676.0K | $-7M | $337.0K | |
| Free Cash Flow | · | $23M | · | · | · | $-1M | · | · | · | $4M | · | · | · | $15M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 39.1% | 23.9% | · | 33.0% | 31.2% | 20.1% | · | 5.5% | 13.6% | 11.9% | · | · | 8.8% | 11.4% | · | · | |
| Net Margin | 28.8% | 17.2% | · | 23.7% | 23.1% | 14.4% | · | 3.9% | 9.3% | 7.4% | · | · | 4.2% | 7.9% | · | · | |
| Pretax Margin | 38.4% | 23.1% | · | 32.1% | 30.3% | 18.9% | · | 4.2% | 12.2% | 10.4% | · | · | 7.4% | 9.7% | · | · | |
| EBITDA Margin | 39.8% | 24.6% | · | 34.0% | 31.7% | 20.7% | · | 5.5% | 13.6% | 11.9% | · | · | 8.8% | 11.4% | · | · | |
| ROA | 2.5% | 1.7% | · | 2.1% | 1.9% | 1.4% | · | 0.34% | 0.76% | 0.66% | · | · | 0.35% | 0.70% | · | · | |
| ROE | 13.0% | 8.6% | · | 14.1% | 15.0% | 10.8% | · | 3.8% | 9.1% | 7.3% | · | · | 4.6% | 6.4% | · | · | |
| ROIC | 11.1% | 7.3% | · | 11.8% | 12.9% | 9.8% | · | 3.8% | 8.2% | 6.9% | · | · | 5.8% | 10.6% | · | · |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | · | 0.1 | 0.1 | · | · |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.09 | $17.15 | · | $14.15 | $12.36 | $10.62 | · | $9.10 | $8.32 | $7.67 | · | · | $6.27 | $6.05 | · | · | |
| Revenue / Share | $7.12 | $6.92 | · | $6.85 | $6.70 | $6.88 | · | $6.89 | $6.63 | $6.29 | · | · | $7.23 | $6.91 | · | · | |
| Cash Flow / Share | · | $0.81 | · | · | · | $0.03 | · | · | · | $0.14 | · | · | · | $0.58 | · | · | |
| Cash / Share | $19.76 | $17.05 | · | $18.13 | $15.26 | $13.74 | · | $16.62 | $15.67 | $12.60 | · | · | $9.64 | $12.91 | · | · | |
| Dividend / Share | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0.06 | $0.06 | |
| EPS (TTM) | $7.02 | $6.52 | · | $4.83 | $3.47 | $2.53 | · | $2.51 | $1.96 | $1.65 | · | $1.05 | $-0.54 | $-4.16 | · | $-8.07 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $855M | $848M | · | $842M | $842M | $837M | · | $794M | $768M | $750M | · | $723M | $702M | $681M | · | $655M | |
| Net Income TTM | $215M | $202M | · | $149M | $107M | $78M | · | $72M | $57M | $46M | · | $27M | $-14M | $-110M | · | $-216M | |
| Market Cap | $775M | $796M | · | $778M | $774M | $447M | · | $376M | $217M | $326M | · | · | $99M | $79M | · | · | |
| P/E | 3.7 | 4.0 | · | 5.2 | 7.2 | 5.7 | · | 4.9 | 3.6 | 6.5 | · | 6.2 | -7.1 | -0.7 | · | -0.3 | |
| P/S | 0.9 | 0.9 | · | 0.9 | 0.9 | 0.5 | · | 0.5 | 0.3 | 0.4 | · | · | 0.1 | 0.1 | · | · | |
| P/B | 1.4 | 1.5 | · | 1.8 | 2.0 | 1.4 | · | 1.3 | 0.9 | 1.4 | · | · | 0.6 | 0.5 | · | · | |
| P / Tangible Book | 1.4 | 1.6 | · | 1.9 | 2.2 | 1.5 | · | 1.6 | 1.0 | 1.7 | · | 1.6 | 0.9 | 0.7 | · | 0.9 | |
| P / Cash Flow | · | 32.0 | · | · | · | · | · | · | · | 75.7 | · | · | · | 5.3 | · | · | |
| Earnings Yield | 26.9% | 24.8% | · | 19.2% | 13.9% | 17.5% | · | 20.5% | 27.7% | 15.5% | · | 16.2% | -14.0% | -135.1% | · | -357.1% | |
| Payout Ratio | · | · | · | · | · | · | · | · | · | · | · | · | · | 0.08% | · | · | |
| Annual Payout | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $6M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $847M | $817M | $735M | $662M | $632M |
| Operating Margin % | 31.5% | · | 8.6% | -23.8% | -10.8% |
| Net Income | $196M | $62M | $45M | $-154M | $-75M |
| Diluted EPS | $6.32 | $2.01 | $1.73 | $-5.86 | $-2.69 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $174M | · | $61M | $-36M | $59M |
Institutional owners (13F) 207 filers · $558.3M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
207
Value held
$558.3M
New positions
33
Exited positions
28
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 33 (+5 vs prior Q) | 28 (-1 vs prior Q) | 76 (+8 vs prior Q) | 62 (-6 vs prior Q) | +327K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $60,841,745 | 2,332,889 | 10.90% | Shares |
| VANGUARD GROUP INC | $55,038,849 | 1,881,027 | 9.86% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $34,181,946 | 1,310,615 | 6.12% | Shares |
| AMERICAN CENTURY COMPANIES INC | $27,825,691 | 1,066,936 | 4.98% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $26,436,201 | 1,013,658 | 4.74% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $24,752,267 | 949,090 | 4.43% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $19,559,177 | 749,878 | 3.50% | Shares |
| STATE STREET CORP | $14,709,329 | 564,008 | 2.63% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $14,436,740 | 553,556 | 2.59% | Shares |
| Pacific Ridge Capital Partners, LLC | $13,052,075 | 500,463 | 2.34% | Shares |
| JANE STREET GROUP, LLC | $12,463,372 | 477,890 | 2.23% | Shares |
| MORGAN STANLEY | $10,019,199 | 384,171 | 1.79% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $9,542,228 | 365,883 | 1.71% | Shares |
| TWO SIGMA INVESTMENTS, LP | $9,388,148 | 359,975 | 1.68% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $8,809,250 | 337,778 | 1.58% | Shares |
| Nuveen, LLC | $7,928,737 | 304,016 | 1.42% | Shares |
| Assenagon Asset Management S.A. | $6,867,412 | 263,321 | 1.23% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $6,780,096 | 259,973 | 1.21% | Shares |
| NORTHERN TRUST CORP | $6,551,791 | 251,219 | 1.17% | Shares |
| MILLENNIUM MANAGEMENT LLC | $6,457,121 | 247,589 | 1.16% | Shares |
| PRUDENTIAL FINANCIAL INC | $6,238,388 | 239,202 | 1.12% | Shares |
| BANK OF AMERICA CORP /DE/ | $6,069,781 | 232,737 | 1.09% | Shares |
| CITADEL ADVISORS LLC | $5,971,094 | 228,953 | 1.07% | Shares |
| Trexquant Investment LP | $5,040,195 | 193,259 | 0.90% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $5,012,315 | 192,190 | 0.90% | Shares |
| Quartz Partners, LLC | $4,924,139 | 188,809 | 0.88% | Shares |
| GOLDMAN SACHS GROUP INC | $4,548,822 | 174,418 | 0.81% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,363,471 | 167,311 | 0.78% | Shares |
| Empowered Funds, LLC | $4,229,733 | 162,183 | 0.76% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $3,996,682 | 153,247 | 0.72% | Shares |
| D. E. Shaw & Co., Inc. | $3,944,574 | 151,249 | 0.71% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,939,880 | 151,069 | 0.71% | Shares |
| FRANKLIN RESOURCES INC | $3,829,013 | 146,818 | 0.69% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $3,732,048 | 143,100 | 0.67% | Call option |
| Annis Gardner Whiting Capital Advisors, LLC | $3,728,893 | 142,979 | 0.67% | Shares |
| Arkadios Wealth Advisors | $3,672,533 | 140,818 | 0.66% | Shares |
| FMR LLC | $3,664,683 | 140,517 | 0.66% | Shares |
| Point72 Asset Management, L.P. | $3,403,101 | 130,487 | 0.61% | Shares |
| JANE STREET GROUP, LLC | $3,369,536 | 129,200 | 0.60% | Call option |
| RENAISSANCE TECHNOLOGIES LLC | $3,354,670 | 128,630 | 0.60% | Shares |
| Qube Research & Technologies Ltd | $3,311,951 | 126,992 | 0.59% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $3,171,328 | 121,600 | 0.57% | Put option |
| ALLIANCEBERNSTEIN L.P. | $2,988,668 | 113,854 | 0.54% | Shares |
| Bank of New York Mellon Corp | $2,871,910 | 110,119 | 0.51% | Shares |
| CITIGROUP INC | $2,688,482 | 103,086 | 0.48% | Shares |
| MARSHALL WACE, LLP | $2,688,353 | 103,081 | 0.48% | Shares |
| FIRST TRUST ADVISORS LP | $2,510,904 | 96,277 | 0.45% | Shares |
| Balyasny Asset Management L.P. | $2,495,465 | 95,685 | 0.45% | Shares |
| Y-Intercept (Hong Kong) Ltd | $2,307,324 | 88,471 | 0.41% | Shares |
| UBS Group AG | $2,172,073 | 83,285 | 0.39% | Shares |
Company insiders 22 insiders · 10 officers · 12 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Ernie J Garateix | Chief Executive Officer | Sept. 14, 2026 S | 1,035,955 | 0 | 24 | $-3,413,431 |
| Kirk Lusk | Chief Financial Officer | Aug. 17, 2026 S | 492,522 | 0 | 7 | $-1,551,509 |
| Stephen L Rohde | CFO, Treasurer & Secretary | May 9, 2016 P | 22,996 | 0 | 0 | $0 |
| Timothy E Johns | President, Zephyr Insurance Company | Sept. 18, 2026 S | 21,938 | 0 | 2 | $-239,470 |
| Kent M Linder | Chief Operating Officer | Dec. 2, 2014 A | · | 0 | 0 | $0 |
| Sharon Binnun | Chief Accounting Officer | Sept. 9, 2026 S | 80,623 | 0 | 9 | $-2,005,997 |
| Timothy Moura | Officer | Aug. 10, 2026 S | 144,941 | 0 | 7 | $-2,567,937 |
| Paul Neilson | Vice President of Claims | Nov. 11, 2015 M | 7,650 | 0 | 0 | $0 |
| Melvin A Russell Jr | Officer | May 29, 2015 S | 12,000 | 0 | 0 | $0 |
| Joseph R Peiso | Vice President of Compliance | May 13, 2015 M | 0 | 0 | 0 | $0 |
| Paul L Whiting | Director | June 11, 2026 G | 96,167 | 2 | 0 | $376,950 |
| Irini Barlas | Director | June 10, 2026 A | 71,022 | 0 | 0 | $0 |
| Panagiotis Apostolou | Director | June 10, 2026 A | 169,972 | 0 | 0 | $0 |
| Joseph Vattamattam | Director | June 10, 2026 A | 63,763 | 0 | 0 | $0 |
| Richard A Widdicombe | Director | June 10, 2026 A | 451,750 | 0 | 4 | $-4,195,535 |
| Mark S Berset | Director | June 10, 2025 A | 276,469 | 0 | 0 | $0 |
| Vijay Walvekar | Director | May 21, 2025 S | 203,682 | 0 | 0 | $0 |
| Nicholas George Pappas | Director | Nov. 22, 2024 S | 76,314 | 0 | 0 | $0 |
| Steven C. Martindale | Director | June 23, 2022 A | 22,828 | 0 | 0 | $0 |
| James Masiello | Director | Dec. 10, 2018 P | 246,295 | 0 | 0 | $0 |
| Trifon Houvardas | Director | June 15, 2016 P | 40,250 | 0 | 0 | $0 |
| Bruce Lucas | · | Nov. 4, 2020 D | 576,859 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 37 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| VAMO · Cambria ETF Trust | 1.02% | 37,838 NS | July 31, 2026 | N-PORT |
| BRNY · EA Series Trust | 0.50% | 98,849 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.20% | 84,245 SH | Sept. 11, 2026 | Daily |
| VFQY · VANGUARD WELLINGTON FUND | 0.13% | 23,743 SH | Aug. 19, 2026 | Daily |
| VFVA · VANGUARD WELLINGTON FUND | 0.07% | 24,147 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.07% | 5,320 SH | Oct. 2, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.07% | 274 NS | July 31, 2026 | N-PORT |
| VFMO · VANGUARD WELLINGTON FUND | 0.06% | 43,180 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.04% | 217,155 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 21,554 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.03% | 650,218 SH | Sept. 11, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.03% | 21,995 SH | Oct. 2, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 11,832 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 142,643 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.02% | 103,182 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 259,860 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 40,141 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 6,669 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 1,520 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 1,531 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.01% | 4,362 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 14,745 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 70,306 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4,256 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 8,701 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 9,360 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 9,202 SH | Sept. 9, 2026 | Daily |
| TILT · FlexShares Trust | 0.00% | 1,106 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 10,080 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 32,692 SH | Sept. 11, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 730,399 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,038 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 237,633 SH | Sept. 11, 2026 | Daily |
| IAK · iShares Trust | · | 11,946 SH | Sept. 11, 2026 | Daily |
| SVAL · iShares Trust | · | 20,701 SH | Sept. 3, 2026 | Daily |
| ISCB · iShares Trust | · | 1,062 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 5,478 SH | Sept. 11, 2026 | Daily |
HRTG Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$39.00
+14.7%
2 22.2%
Strong Buy
5 55.6%
Buy
2 22.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-09-30Mean target $39.00 +14.7%
← Below all targets
Current price $33.99
Low$36.00
Mean$39.00
High$42.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| HRTG | $902M | 4.6 | 3.7% | 23.1% | 44.0% | · |
| ASIC | $1.01B | 13.3 | 23.4% | 17.4% | 14.6% | · |
| UVE | $947M | 5.3 | 5.5% | 11.4% | 36.3% | · |
| BOW | $936M | 17.9 | 29.6% | 9.8% | 13.1% | · |
| TRUP | $1.62B | 83.0 | 11.9% | · | · | · |
| EIG | $878M | 93.8 | -2.5% | 1.3% | 1.1% | · |
| HIPO | $773M | 13.5 | 25.9% | 12.3% | 14.5% | · |
| ROOT | · | 30.6 | 28.9% | 2.7% | 15.2% | · |
| DGICA | · | · | -1.2% | 8.1% | 12.7% | · |
| TIPT | $691M | 24.0 | -67.9% | 7157.2% | 7.2% | · |
| ITIC | $471M | 13.4 | 5.6% | 12.9% | 13.2% | · |
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Source: SEC 10-Q filed Aug 7, 2026