HRTG logo

HERITAGE INSURANCE HOLDINGS

HRTGNYSE
πŸ† #2343 by market capEarnings Mar 8US Equity
$36.14β–² $1.41 (+4.06%)
πŸŒ… Pre-market$36.14β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 4.1%
7dβ–Ό 1.6%
14dβ–² 1.0%
30dβ–² 9.2%
ytdβ–² 23.6%
1yβ–² 55.4%
🏦Market Cap
$1.07B
Small Cap
πŸ“ˆRevenue Growth (YoY)
3.7%
Slowing
πŸ“ŠGross Margin
64.2%
High
πŸ’΅FCF Margin
38.4%
Strong
βš–οΈP/S Ratio
1.4x
Cheap
Otter Score
76
Strong

Trading Snapshot

Day Range
$34.22 – $37.05
52-Week Range
$20.48 – $37.87
Volume (shares)
377,860
Avg Volume (shares)
β€”
Shares Outstanding
29.7M
Next Earnings
2027-03-08

Fundamentals Snapshot

Annual Revenue
$847M
Last Q Revenue
$219M
P/E Ratio
5.1
P/S Ratio
1.4x
EPS (TTM)
$7.27
Dividend Yield
0.00%
Dilution (1yr)
+1.0%
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.

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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
Strong
76/100

Analyst Ratings

β“˜
Consensus
Buy
9 analysts
Strong Buy2
Buy5
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Seeking AlphaΒ·14h ago

Heritage Insurance Holdings, Inc. (HRTG) Q3 2026 Earnings Call Transcript

Heritage Insurance Holdings, Inc. ( HRTG ) Q3 2026 Earnings Call October 29, 2026 9:00 AM EDT Company Participants Kirk Lusk - CFO, Company Secretary & Treasurer Ernesto Garateix - CEO & Director Conference Call Particip

Zacks Investment ResearchΒ·1d ago

Heritage Insurance (HRTG) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

The headline numbers for Heritage Insurance (HRTG) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and

Zacks Investment ResearchΒ·1d ago

Heritage Insurance (HRTG) Surpasses Q3 Earnings and Revenue Estimates

Heritage Insurance (HRTG) came out with quarterly earnings of $1.72 per share, beating the Zacks Consensus Estimate of $1.04 per share. This compares to earnings of $1.63 per share a year ago.

PRNewsWireΒ·1d ago

Heritage Reports Third Quarter 2026 Results

TAMPA, Fla., Oct. 28, 2026 /PRNewswire/ -- Heritage Insurance Holdings, Inc. (NYSE: HRTG) ("Heritage" or the "Company"), a super-regional property and casualty insurance holding company, today reported third quarter of 2

Zacks Investment ResearchΒ·8d ago

Analysts Estimate Heritage Insurance (HRTG) to Report a Decline in Earnings: What to Look Out for

Heritage Insurance (HRTG) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Defense WorldΒ·9d ago

Heritage Insurance (NYSE:HRTG) Hits New 52-Week High – Time to Buy?

Heritage Insurance Holdings, Inc. (NYSE: HRTG - Get Free Report)'s share price reached a new 52-week high during trading on Wednesday. The stock traded as high as $37.36 and last traded at $36.9340, with a volume of 229,