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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 Framework: Insurance & Reinsurance Small Cap
Heritage Insurance Holdings, Inc. (HRTG), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $35.94, about 45.6% overvalued vs fair value, +29.0% 1Y return, ranked 444/1078 in sector.
Metrics P/E 4.6× Rev Growth 1.0% ROE 49.1%
USD 35.94
0.84%
(Delayed)
• Vol 90d: 41.6%
52-Week Range
Market Cap
$1.06B
Enterprise Value
$543.39M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Completeness: 76%
Confidence: 88%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

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

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$20
$37
Current: $35.94 -46% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$774.4M
1%%
Claims & Losses
-$638.2M
7.5%%
Acquisition & Admin Expenses
$74.9M
Underwriting Result
$82.7M
59%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
82.4%
Poor

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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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 Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Superior Returns on Float Float investment returns are strong (signal score 0.86), with ROA at 8.39% vs peers — investment income amplifies underwriting profit.
  • Lean Expense Ratio vs Peers Expense efficiency is strong (score 0.89), with operating margin at 34.5% vs peers.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.18), indicating significant exposure to loss cycle or catastrophe volatility.
  • Volatile Capital Returns Signal Cat Exposure Capital adequacy stability is low (score 0.09), indicating elevated catastrophe or reserve cycle exposure.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
36
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing HRTG's balance between Growth (26.5%), Profitability (49.4%), and Safety (24.1%). Growth 26% Safety 24% Profitability 49%

Click axes to expand details. Marker shows current allocation.

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Growth

49th percentile vs peers
50
Key Signals
Equity Growth YoY 73.8% 96p EPS Growth YoY 2.15 90p Revenue CAGR 3Y 5.3% 34p Rev Growth YoY 1.0% 23p Asset Growth YoY -11.1% 6p
Strengths
  • Equity Growth YoY in top 20% of peers (73.8%, 96th percentile)
  • EPS Growth YoY in top 20% of peers (2.15, 90th percentile)
  • ROE in top 20% of peers (49.1%, 99th percentile)
  • Net Profit Margin in top 20% of peers (25.3%, 90th percentile)
Risks

No significant risks identified for this axis.

Profitability

92th percentile vs peers
93
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
45
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
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Bear
-
- - -
- upside
-
Base
$19.54
- - -
-45.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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