HRTG logo

HERITAGE INSURANCE HOLDINGS

HRTGNYSE
πŸ† #2474 by market capEarnings Nov 3US Equity
$911.84β–² $64.47 (+7.07%)
Simulated price
πŸ””
Track HRTG
Get earnings, price moves & breaking news on Telegram
Track
24hβ–² 7.1%
7dβ–² 2659.8%
14dβ–² 2506.4%
30dβ–² 2616.2%
ytdβ–² 3018.5%
1yβ–² 3517.0%
🏦Market Cap
$996M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+1.5%
Slowing
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
34.8%
Strong
βš–οΈP/S Ratio
1.2x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$905.62 – $921.06
52-Week Range
$20.48 – $36.50
Volume
$3.28B
Avg Volume
$3.09B
Shares Outstanding
30.4M
Next Earnings
Dec 5, 2026

Fundamentals Snapshot

Annual Revenue
$861M
Last Q Revenue
$239M
P/E Ratio
4.6
P/S Ratio
1.2x
EPS (TTM)
$7.02
Dividend Yield
β€”
Dilution (1yr)
+1.0%

Why Investors Own HRTG

  • βœ“High-growth profile β€” revenue up +22.1% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 30% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HRTG logo

HERITAGE INSURANCE HOLDINGS

HRTG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$847Mβ–² +3.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
63.0%β–² +188.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$259Mβ–² +213.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$174Mβ–² +120.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
31.0Mβ–² +1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$459Mβ–² +$148M YoY
StockOtter Β· stockotter.space

About HERITAGE INSURANCE HOLDINGS

Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The company also holds a licensing credential in the state of Pennsylvania. Beyond its core insurance offerings, Heritage Insurance Holdings, Inc. also delivers various supplementary services, such as restoration, emergency and recovery operations, property management, and reinsurance services. The distribution of its personal line policies is facilitated through diverse channels, including a network of retail independent agents, wholesale agents, and a dedicated partnership with a direct agency. Furthermore, its market reach indirectly extends to approximately 1,500 retail locations via eight distinct wholesale agency relationships. Both personal and commercial insurance policies are also offered through a network comprising around 70 independent agencies. Established in 2012, Heritage Insurance Holdings, Inc. is headquartered in Tampa, Florida.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$1,014.46
β–² +11.3% Upside
High Target$1,184.62
Low Target$818.20
Based on 20 analysts

Latest News & Updates