Price
$32.74+20.72%Social Signal Score
Analyst Ratings
9 analystsRevenue
$214.19M+95.96%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Ernesto Jose Garateix
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- Employees
- 542
- Beta
- 0.92
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 1.97
Financials
Revenue
$214.19M+96.0%Net Income
$61.71M+464.6%EBITDA
$86.75M+311.6%Free Cash Flow
$143.50MEPS (diluted)
$2.05+454.1%Shares Outstanding (diluted)
30.08M+3.0%Operating Expenses
$69.29MCash & Debt
$715.50MReturn of Capital
$14.58MRevenue by Segment (annual)
$847.33MDividend per Share
$0.06Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $847.33M | $195.59M | $6.33 |
| 2024 | $816.99M | $61.54M | $2.01 |
| 2023 | $735.50M | $45.31M | $1.73 |
| 2022 | $662.46M | $-154.36M | $-5.86 |
| 2021 | $631.56M | $-74.73M | $-2.69 |
| 2020 | $593.38M | $9.33M | $0.33 |
| 2019 | $511.31M | $28.64M | $0.98 |
| 2018 | $480.17M | $27.16M | $1.05 |
| 2017 | $406.62M | $-1.12M | $-0.04 |
| 2016 | $438.96M | $33.87M | $1.14 |
| 2015 | $394.79M | $92.51M | $3.08 |
| 2014 | $233.82M | $47.10M | $1.92 |
| 2013 | $98.79M | $34.21M | $1.18 |
| 2012 | $5.63M | $-5.47M | $-0.19 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $9.30
- Implied price
- $46.52
- Return from $33.99
- 6.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $23.13 — -32.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 1 | 3 | 5 | 7 | 9 |
|---|---|---|---|---|---|
| -2.0% | -30.0% | -12.8% | -3.4% | 3.3% | 8.7% |
| 3.0% | -26.4% | -8.3% | 1.5% | 8.6% | 14.2% |
| 8.0% | -22.8% | -3.9% | 6.5% | 13.9% | 19.8% |
| 13.0% | -19.3% | 0.6% | 11.4% | 19.2% | 25.3% |
| 18.0% | -15.7% | 5.0% | 16.3% | 24.4% | 30.8% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
50+25.00%Social Signal Score
Mentions (9)
- Newsmarketbeat.com·9d ago·Neutral
Heritage Insurance Sees Growth Ahead as Margins Improve and Reinsurance Costs Fall Heritage Insurance NYSE: HRTG outlined a controlled-growth strategy after reporting improved second-quarter profitability, citing rate adequacy, lower reinsurance costs, geographic diversification and a strengthened balance sheet.
View source ↗ - Newszacks.com·10d ago·Positive
Should Value Investors Buy Heritage Insurance (HRTG) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗ - Newszacks.com·12d ago·Positive
Best Value Stocks to Buy for September 24th HRTG, WCC and MNTK made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 24th, 2026.
View source ↗ - Newsprnewswire.com·19d ago·Neutral
Heritage to Present at Sidoti Small Cap Conference TAMPA, Fla., Sept. 17, 2026 /PRNewswire/ -- Heritage Insurance Holdings, Inc. (NYSE: HRTG), a super regional property and casualty insurance holding company, today announced that Kirk Lusk, CFO, will participate at the Sidoti Small Cap Conference on Wednesday, September 23, 2026.
View source ↗ - Newszacks.com·35d ago·Neutral
Heritage Insurance (HRTG) Is Up 0.06% in One Week: What You Should Know Does Heritage Insurance (HRTG) have what it takes to be a top stock pick for momentum investors? Let's find out.
View source ↗ - Newszacks.com·36d ago·Positive
Best Value Stocks to Buy for August 31st HRTG, MCY and OPHC made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 31, 2026.
View source ↗ - Newszacks.com·41d ago·Positive
Best Value Stocks to Buy for August 26th HRTG, TPC and MTG made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 26th, 2026.
View source ↗ - Newszacks.com·55d ago·Neutral
Are You Looking for a Top Momentum Pick? Why Heritage Insurance (HRTG) is a Great Choice Does Heritage Insurance (HRTG) have what it takes to be a top stock pick for momentum investors? Let's find out.
View source ↗ - Newsmarketbeat.com·59d ago·Negative
Heritage Insurance Q2 Earnings Call Highlights Heritage Insurance NYSE: HRTG reported record second-quarter net income of $61.7 million, or $2.05 per diluted share, as lower weather-related losses, favorable reserve development, higher net premiums earned and increased investment income supported results.
View source ↗
Earnings
Wed, Nov 4(in 4 weeks)
Consensus estimate $0.77 per share
Typical surprise +64.0% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Aug 5$2.05 vs $1.25beat
- Thu, May 7$1.19 vs $1.53miss
- Mon, Mar 9$2.15 vs $1.61beat
- Wed, Nov 5$1.63 vs $0.53beat
- Tue, Aug 5$1.55 vs $1.03beat
- Tue, May 6$0.99 vs $0.46beat
Estimates and results for HRTG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by HRTG officers and directors.
- Bought
- $548k
- Sold
- $19.8m
5 trades
63 trades
- Johns Timothy Esold
- Garateix Ernie Jsold
- Binnun Sharonsold
- Garateix Ernie Jsold
- Binnun Sharonsold
- Garateix Ernie Jsold
- Johns Timothy Esold
- Garateix Ernie Jsold
32 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in HRTG.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.