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Company Analysis

Heritage Insurance Holdings, In HRTG

A comprehensive view of key metrics, scores, and financial health for Heritage Insurance Holdings, In

Overview of Heritage Insurance Holdings, Inc.

HRTG NYQ
Financial Services Insurance - Property & Casualty Small Cap
Heritage Insurance Holdings, Inc. (HRTG), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $28.23, about 48.3% overvalued vs fair value, +120.7% 1Y return, ranked 454/1004 in sector.
$28.23
0.32%
As of March 13, 2026
Previous close • Vol 90d: 53.3%
52-Week Range
Market Cap
$823.83M
Enterprise Value
$365.05M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.heritagepci.com
HQ Tampa, FL
Employees 540
Fiscal year Dec 31

Next Events

Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$8
$15
$27
Current: $28.23 -48% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$10.9M
Net Interest Income
$-10.9M
2.5%%
Total Revenue
$817.0M
11.1%%
Fee/Non-Interest Income
$827.9M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
21.2%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$57.0K
0.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Heritage Insurance Holdings, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
42
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Weak
23
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HRTG's balance between Growth (31.9%), Profitability (23.6%), and Safety (44.5%). Growth 32% Safety 45% Profitability 24%

Click axes to expand details. Marker shows current allocation.

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Growth

52th percentile vs peers
52
Key Signals
Rev Growth YoY 11.1% 62p Revenue CAGR 3Y 9.0% 41p TSR 3.17 97p EPS Growth YoY 16.3% 29p
Strengths
  • D/E Ratio in top 20% of peers (48.6%, 88th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Tsr in top 20% of peers (3.17, 97th percentile)
  • Current Ratio in top 20% of peers (19.25, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

38th percentile vs peers
39
Key Signals
Strengths
Risks
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Safety

73th percentile vs peers
73
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Heritage Insurance Holdings, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$14.59
- - -
-48.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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