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HERITAGE INSURANCE HOLDINGS

HRTGNYSE
๐Ÿ† #2359 by market capEarnings Nov 3US Equity
$32.83โ–ฒ $0.66 (+2.02%)
Live
1hโ–ฒ 0.1%
24hโ–ฒ 2.0%
7dโ–ฒ 8.7%
14dโ–ฒ 10.0%
30dโ–ฒ 15.9%
1yโ–ฒ 51.9%
๐ŸฆMarket Cap
$994M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+3.7%
Slowing
๐Ÿ“ŠGross Margin
58.9%
Healthy
๐Ÿ’ตFCF Margin
38.7%
Strong
โš–๏ธP/S Ratio
1.2x
Cheap
Otter Score
65
Fair

Trading Snapshot

Day Range
$32.60 โ€“ $33.16
52-Week Range
$20.48 โ€“ $36.50
Volume
$3.28B
Avg Volume
$3.09B
Shares Outstanding
30.3M
Next Earnings
Oct 17, 2026

Fundamentals Snapshot

Annual Revenue
$847M
Last Q Revenue
$214M
P/E Ratio
4.6
P/S Ratio
1.2x
EPS (TTM)
$7.17
Dividend Yield
0.00%

Why Investors Own HRTG

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

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

Financial Trends

Revenue (TTM)
$847Mโ–ฒ +28.2% YoY
Gross Margin (TTM)
30.2%โ–ฒ +2.8% YoY
Operating Income (TTM)
$222Mโ–ฒ +28.2% YoY
Free Cash Flow (TTM)
$185Mโ–ฒ +28.2% YoY

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.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Fair
65/100

Analyst Ratings

โ“˜
Consensus
Buy
9 analysts
Strong Buy2
Buy5
Hold2
Sell0
Strong Sell0
Ratings as of Aug 2026

Latest News & Updates

๐Ÿš€
Benzingaยท5d ago

Truist Securities Maintains Buy on Heritage Insurance Hldgs, Raises Price Target to $42

Truist Securities analyst Mark Hughes maintains Heritage Insurance Hldgs (NYSE:HRTG) with a Buy and raises the price target from $36 to $42.

SeekingAlphaยท6d ago

Heritage Insurance Holdings, Inc. (HRTG) Q2 2026 Earnings Call Transcript

Heritage Insurance Holdings, Inc. (HRTG) Q2 2026 Earnings Call August 6, 2026 9:00 AM EDTCompany ParticipantsKirk Lusk - CFO, Company Secretary &...

ChartMillยท6d ago

Heritage Insurance Holdings (NYSE:HRTG) Beats Q2 EPS Estimates, Shares Rise

Heritage Insurance (HRTG) Q2 EPS of $2.05 beats $1.27 estimate; revenue slightly misses. Shares rise 3.1% after hours.

๐Ÿš€
Benzingaยท7d ago

Heritage Insurance Hldgs Q2 EPS $2.05 Beats $1.25 Estimate, Sales $214.195M Beat $212.705M Estimate

Heritage Insurance Hldgs (NYSE:HRTG) reported quarterly earnings of $2.05 per share which beat the analyst consensus estimate of $1.25 by 64 percent. This is a 32.26 percent increase over earnings of $1.55 per share

SeekingAlphaยท15d ago

Heritage Insurance: El Nino Puts The Odds In Favor Of A 2026 Beat, With A Twist

Heritage Insurance (HRTG) BUY: disciplined underwriting, Florida diversification, stable loss ratios. Read here for a detailed analysis.

๐ŸŒŒ
Benzingaยท28d ago

Piper Sandler Maintains Overweight on Heritage Insurance Hldgs, Raises Price Target to $31

Piper Sandler analyst Paul Newsome maintains Heritage Insurance Hldgs (NYSE:HRTG) with a Overweight and raises the price target from $27 to $31.