Heritage Insurance Inc.
HRTG | NYSE
$35.64
-$0.50 (-1.38%)
At close: Oct 30, 2026, 4:00 PM ET
$35.50
-$0.14 (-0.39%)
After-hours:
Oct 30, 2026, 7:02 PM ET
Market Data
Market Cap $1.06B
Enterprise Value $-249.05M
Beta 0.92
Average Volume 300.17K
Shares Outstanding (Diluted) 29.78M
Shares Change YoY -3.76%
Institutional Ownership 63.00%
Exchange NYSE
ISIN US42727J1025
Price Performance
Price Change 1M 7.5%
Price Change 3M 21.4%
Price Change 6M 24.1%
Price Change YTD 21.8%
Price Change 1Y 50.8%
Price Change 3Y 503.1%
Price Change 5Y 444.9%
1M CAGR (ann.) 3.5%
1Y CAGR (ann.) 54.5%
5Y CAGR (ann.) 40.4%
All-Time CAGR 13.2%
Valuation
PE Ratio 5.01
Forward PE 7.15
PEG Ratio 0.10
Forward PEG -6.46
PS Ratio 1.34
Forward PS 1.30
PB Ratio 1.77
P/FCF Ratio 3.50
P/Adj. FCF Ratio 3.56
P/OCF Ratio 3.48
EV/Sales -0.32
EV/EBIT -0.85
EV/EBITDA -0.82
EV/FCF -0.82
Earnings Yield 19.9%
FCF Yield 28.6%
Adj. FCF Yield 28.1%
Financial Health
Net Cash $1.33B
Total Debt $90.12M
Cash & Short-Term Investments $1.4B
Total Assets $2.26B
Current Ratio 1.40
Quick Ratio 1.40
Debt / Equity Ratio 0.15
Debt / EBITDA 0.30
Debt / FCF 0.30
OCF / Debt 3.38
Interest Coverage 42.95
Altman Z-Score 1.75
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 64.2%
Operating Profit Margin 36.6%
EBITDA Margin 38.5%
Net Profit Margin 27.4%
FCF Margin 38.4%
Adj. FCF Margin 37.7%
SBC / Revenue 0.7%
SBC Impact (per share) -1.7%
Returns
Return on Assets 9.6%
Return on Equity 39.4%
Return on Invested Capital 30.2%
Return on Capital Employed 40.1%
Return on Tangible Assets 9.7%
Historical Growth (CAGR)
Revenue CAGR 3Y 2.9%
Revenue CAGR 5Y 4.8%
Revenue CAGR 10Y 6.1%
EPS CAGR 3Y 89.2%
EPS CAGR 5Y 230.9%
EPS CAGR 10Y 14.2%
FCF CAGR 3Y 133.8%
FCF CAGR 5Y 16.7%
FCF CAGR 10Y 5.9%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 2
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Mar 8, 2027
EPS Estimate (next Q) $1.06
EPS Growth Est (next Q) -50.7%
Revenue Est (next Q) $213.58M
Revenue Growth Est (next Q) -0.8%
Fair Value Estimates
Graham Number $56.78
Graham Upside 59.3%
Lynch Fair Value $177.75
Lynch Upside 398.7%
Price Target $36.50
Price Target Upside 2.4%
Cash Flow
Operating Cash Flow $304.66M
Free Cash Flow $302.57M
Adj. Free Cash Flow $297.42M
FCF Per Share $10.18
OCF Per Share $10.25
OCF/S Ratio 38.6%
Income Statement
Revenue $788.51M
Gross Profit $506M
Operating Income $288.38M
EBITDA $303.17M
Net Income $215.99M
EPS (Diluted) $7.11
Revenue / Employee $1.45M
Profit / Employee $398.51K
Employees 542
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