HERITAGE INSURANCE HOLDINGS
HRTGNYSETrading Snapshot
- Day Range
- $905.62 β $921.06
- 52-Week Range
- $20.48 β $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
- βHigh-growth profile β revenue up +22.1% YoY with expanding US Equity exposure.
- βHealthy economics β 30% gross margin and 22% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
HERITAGE INSURANCE HOLDINGS
HRTGAbout 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 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)Analyst Price Target
βLatest News & Updates
HERITAGE INSURANCE HOLDINGS tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift HRTG price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
HERITAGE INSURANCE HOLDINGS announces new agreement to expand its footprint
The move broadens the companyβs reach and could add incremental revenue over the next year.