Symbols / HRTG Stock $29.53 +0.89% Heritage Insurance Holdings, Inc.

Financial Services • Insurance - Property & Casualty • United States • NYQ
HRTG (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Ernesto Jose Garateix CPCU
Exch · Country NYQ · United States
Market Cap 907.19M
Enterprise Value 396.44M
Income 195.59M
Sales 847.33M
FCF (ttm) 130.41M
Book/sh 17.21
Cash/sh 19.13
Employees 542
Insider 10d —
IPO May 23, 2014
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 4.67
Forward P/E 6.00
PEG —
P/S 1.07
P/B 1.72
P/C —
EV/EBITDA 1.42
EV/Sales 0.47
Quick Ratio 0.42
Current Ratio 0.83
Debt/Eq 19.76
LT Debt/Eq —
EPS (ttm) 6.32
EPS next Y 4.92
EPS Growth 226.00%
Revenue Growth 2.40%
EPS Gr Q/Q 228.60%
Rev Gr Q/Q —
Earnings (next) 2026-05-07
Earnings (prior) 2026-03-09
ROA 7.16%
ROE 49.14%
ROIC —
Gross Margin 42.50%
Oper. Margin 41.65%
Profit Margin 23.08%
Shs Outstand 30.72M
Shs Float 22.40M
Insider Own 19.72%
Instit Own 66.48%
Short Float 4.30%
Short Ratio 3.90
Short Interest 1.03M
52W High 31.98
vs 52W High -7.66%
52W Low 16.82
vs 52W Low 75.51%
Beta 0.95
Impl. Vol. 74.51%
Rel Volume 0.37
Avg Volume 309.95K
Volume 113.58K
Target (mean) $36.50
Tgt Median $36.50
Tgt Low $34.00
Tgt High $39.00
# Analysts 2
Recom Buy
Prev Close $29.27
Price $29.53
Change 0.89%
About

Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$36.50
Mean price target
2. Current target
$29.53
Latest analyst target
3. DCF / Fair value
$76.41
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$29.53
Low
$34.00
High
$39.00
Mean
$36.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-10 main Truist Securities Buy → Buy $39
2025-11-07 main Truist Securities Buy → Buy $37
2025-09-19 main Truist Securities Buy → Buy $35
2025-05-08 main Piper Sandler Overweight → Overweight $28
2025-05-08 main Truist Securities Buy → Buy $30
2025-03-13 reit Citizens Capital Markets Market Perform → Market Perform —
2024-08-09 up Piper Sandler Neutral → Overweight $13
2024-08-08 main Truist Securities Buy → Buy $12
2024-04-15 reit JMP Securities — → Market Perform —
2024-04-01 main Piper Sandler Neutral → Neutral $9
2024-03-13 main Truist Securities Buy → Buy $11
2024-03-13 down JMP Securities Market Outperform → Market Perform —
2024-01-17 main JMP Securities Market Outperform → Market Outperform $7
2023-11-06 main Piper Sandler Neutral → Neutral $7
2023-11-06 main Truist Securities Buy → Buy $9
2023-10-06 main Piper Sandler Neutral → Neutral $6
2023-10-05 main Piper Sandler Neutral → Neutral $6
2023-08-10 main JMP Securities Market Outperform → Market Outperform $6
2023-07-12 reit JMP Securities Market Outperform → Market Outperform $5
2023-05-08 main Piper Sandler — → Neutral $4
News
RSS: Latest HRTG news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-20 GARATEIX ERNESTO J Chief Executive Officer — 8,334 $27.52 $229,653
2026-04-02 MOURA TIMOTHY Officer — 50,490 $25.13 $1,301,437
2026-04-01 BINNUN SHARON Officer — 9,200 $25.69 $236,588
2026-03-20 GARATEIX ERNESTO J Chief Executive Officer — 8,334 $25.39 $211,579
2026-03-19 MOURA TIMOTHY Officer — 29,133 $26.60 $775,761
2026-03-17 BINNUN SHARON Officer — 7,893 $28.35 $223,751
2026-03-05 JOHNS TIMOTHY E. Officer — 2,599 $0.00 $0
2026-03-05 GARATEIX ERNESTO J Chief Executive Officer — 107,085 $0.00 $0
2026-03-05 BINNUN SHARON Officer — 15,184 $0.00 $0
2026-03-05 LUSK KIRK H. Chief Financial Officer — 42,758 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
774.43
+1.01%
766.68
+14.31%
670.70
+1.24%
662.46
Operating Revenue
774.43
+1.01%
766.68
+14.31%
670.70
+1.24%
662.46
Selling General And Administration
74.87
+3.08%
72.64
+17.77%
61.68
-12.39%
70.40
General And Administrative Expense
74.87
+3.08%
72.64
+17.77%
61.68
-12.39%
70.40
Other Gand A
74.87
+3.08%
72.64
+17.77%
61.68
-12.39%
70.40
Total Expenses
515.17
-24.68%
684.01
+10.56%
618.69
-25.34%
828.63
Reconciled Depreciation
12.70
+32.96%
9.55
+9.92%
8.69
+3.95%
8.36
EBIT
267.15
+185.39%
93.61
+48.08%
63.22
+140.17%
-157.36
Total Unusual Items
0.00
0.00
+100.00%
-0.77
+99.17%
-91.96
Total Unusual Items Excluding Goodwill
0.00
0.00
+100.00%
-0.77
+99.17%
-91.96
Special Income Charges
0.00
0.00
+100.00%
-0.77
+99.17%
-91.96
Impairment Of Capital Assets
0.00
0.00
-100.00%
0.77
-99.17%
91.96
Net Income
195.59
+217.84%
61.54
+35.83%
45.31
+129.35%
-154.36
Pretax Income
259.26
+213.59%
82.68
+58.98%
52.01
+131.30%
-166.17
Net Non Operating Interest Income Expense
-7.89
+27.87%
-10.93
+2.46%
-11.21
-27.26%
-8.81
Interest Expense Non Operating
7.89
-27.87%
10.93
-2.46%
11.21
+27.26%
8.81
Net Interest Income
-7.89
+27.87%
-10.93
+2.46%
-11.21
-27.26%
-8.81
Interest Expense
7.89
-27.87%
10.93
-2.46%
11.21
+27.26%
8.81
Other Income Expense
13.30
+0.80%
13.20
-2.44%
13.53
-1.07%
13.68
Tax Provision
63.67
+201.24%
21.14
+215.56%
6.70
+156.73%
-11.81
Tax Rate For Calcs
0.00
-3.77%
0.00
+98.49%
0.00
+81.26%
0.00
Tax Effect Of Unusual Items
0.00
0.00
+100.00%
-0.10
+98.49%
-6.53
Net Income Including Noncontrolling Interests
195.59
+217.83%
61.54
+35.83%
45.31
+129.35%
-154.36
Net Income From Continuing Operation Net Minority Interest
195.59
+217.84%
61.54
+35.83%
45.31
+129.35%
-154.36
Net Income From Continuing And Discontinued Operation
195.59
+217.84%
61.54
+35.83%
45.31
+129.35%
-154.36
Net Income Continuous Operations
195.59
+217.83%
61.54
+35.83%
45.31
+129.35%
-154.36
Normalized Income
195.59
+217.84%
61.54
+33.85%
45.98
+166.69%
-68.94
Net Income Common Stockholders
195.59
+217.84%
61.54
+35.83%
45.31
+129.35%
-154.36
Diluted EPS
6.32
+214.43%
2.01
+16.18%
1.73
+129.52%
-5.86
Basic EPS
6.33
+214.93%
2.01
+16.18%
1.73
+129.52%
-5.86
Basic Average Shares
30.89
+0.97%
30.60
+16.81%
26.19
-0.57%
26.34
Diluted Average Shares
30.95
+0.96%
30.65
+16.77%
26.25
-0.35%
26.34
Diluted NI Availto Com Stockholders
195.59
+217.84%
61.54
+35.83%
45.31
+129.35%
-154.36
Loss Adjustment Expense
313.25
-29.93%
447.05
+4.91%
426.13
-14.97%
501.16
Net Policyholder Benefits And Claims
313.25
-29.93%
447.05
+4.91%
426.13
-14.97%
501.16
Policyholder Benefits Ceded
-46.29
-106.47%
715.43
+59.22%
449.35
-44.99%
816.84
Policyholder Benefits Gross
266.95
-77.04%
1,162.48
+32.78%
875.48
-33.58%
1,318.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,195.82
-11.06%
2,468.92
+16.48%
2,119.57
-11.41%
2,392.60
Cash Cash Equivalents And Short Term Investments
658.68
+21.08%
544.00
-1.66%
553.17
+40.20%
394.56
Cash And Cash Equivalents
559.27
+23.55%
452.67
-2.37%
463.64
+65.07%
280.88
Other Short Term Investments
99.41
+8.84%
91.33
+2.01%
89.53
-21.25%
113.68
Receivables
426.05
-49.57%
844.88
+43.99%
586.78
-35.51%
909.93
Accounts Receivable
413.92
-50.86%
842.34
+47.28%
571.92
-36.30%
897.81
Other Receivables
12.13
+377.14%
2.54
+68.57%
1.51
—
Taxes Receivable
—
0.00
-100.00%
13.35
+10.20%
12.12
Prepaid Assets
325.77
+3.72%
314.08
+4.98%
299.19
-2.54%
306.98
Net PPE
45.73
-22.51%
59.01
+2.35%
57.66
+8.39%
53.20
Goodwill And Other Intangible Assets
30.19
-17.00%
36.37
-14.53%
42.55
-14.16%
49.58
Goodwill
—
—
—
0.00
Other Intangible Assets
30.19
-17.00%
36.37
-14.53%
42.55
-14.16%
49.58
Investments And Advances
714.30
+8.64%
657.49
+16.92%
562.35
-11.73%
637.09
Long Term Equity Investment
—
—
7.07
-57.13%
16.48
Total Liabilities Net Minority Interest
1,690.57
-22.38%
2,178.12
+14.68%
1,899.29
-16.02%
2,261.56
Payables And Accrued Expenses
275.31
+3.09%
267.07
+36.55%
195.59
-17.41%
236.83
Payables
275.29
+3.13%
266.93
+36.70%
195.26
-17.29%
236.09
Accounts Payable
251.65
+1.38%
248.21
+41.02%
176.01
-19.06%
217.46
Other Payable
19.36
+11.08%
17.43
-1.62%
17.71
+0.89%
17.56
Dividends Payable
—
0.00
-100.00%
0.05
-25.00%
0.07
Current Accrued Expenses
0.03
-82.19%
0.15
-55.08%
0.33
-55.66%
0.73
Employee Benefits
8.84
-0.92%
8.93
-5.65%
9.46
+43.48%
6.59
Total Tax Payable
4.28
+233.49%
1.28
-13.59%
1.49
+48.45%
1.00
Income Tax Payable
4.28
+233.49%
1.28
-13.59%
1.49
+48.45%
1.00
Current Debt And Capital Lease Obligation
74.06
-7.57%
80.12
-10.60%
89.62
-9.58%
99.12
Current Debt
74.06
-7.57%
80.12
-10.60%
89.62
-9.58%
99.12
Long Term Debt And Capital Lease Obligation
25.75
-57.93%
61.21
+4.51%
58.57
-4.09%
61.06
Long Term Debt
4.37
-87.94%
36.19
+20.22%
30.11
+0.97%
29.82
Long Term Capital Lease Obligation
21.39
-14.51%
25.02
-12.11%
28.46
-8.91%
31.25
Non Current Deferred Liabilities
—
—
33.63
-21.36%
42.76
Non Current Deferred Revenue
—
—
33.63
-21.36%
42.76
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
505.25
+73.75%
290.80
+32.01%
220.28
+68.10%
131.04
Common Stock Equity
505.25
+73.75%
290.80
+32.01%
220.28
+68.10%
131.04
Capital Stock
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Common Stock
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Share Issued
43.17
+0.78%
42.84
+0.91%
42.45
+12.39%
37.77
Ordinary Shares Number
30.83
+0.74%
30.61
+1.28%
30.22
+18.32%
25.54
Treasury Shares Number
12.34
+0.87%
12.23
+0.00%
12.23
+0.00%
12.23
Additional Paid In Capital
365.74
+0.85%
362.64
+0.65%
360.31
+7.65%
334.71
Retained Earnings
283.25
+223.14%
87.66
+235.63%
26.12
+236.10%
-19.19
Gains Losses Not Affecting Retained Earnings
-10.55
+63.10%
-28.60
+18.85%
-35.25
+34.22%
-53.59
Treasury Stock
133.18
+1.74%
130.90
+0.00%
130.90
+0.00%
130.90
Other Equity Adjustments
-10.55
+63.10%
-28.60
+18.85%
-35.25
+34.22%
-53.59
Total Equity Gross Minority Interest
505.25
+73.75%
290.80
+32.01%
220.28
+68.10%
131.04
Total Capitalization
509.62
+55.85%
326.99
+30.60%
250.39
+55.66%
160.86
Invested Capital
583.68
+43.37%
407.12
+19.74%
340.01
+30.78%
259.98
Total Debt
99.81
-29.38%
141.34
-4.63%
148.19
-7.49%
160.19
Capital Lease Obligations
21.39
-14.51%
25.02
-12.11%
28.46
-8.91%
31.25
Net Tangible Assets
475.06
+86.72%
254.43
+43.16%
177.72
+118.16%
81.46
Tangible Book Value
475.06
+86.72%
254.43
+43.16%
177.72
+118.16%
81.46
Interest Payable
0.03
-82.19%
0.15
-55.08%
0.33
-55.66%
0.73
Investments In Other Ventures Under Equity Method
—
—
7.07
-57.13%
16.48
Line Of Credit
74.06
-7.57%
80.12
-10.60%
89.62
-9.58%
99.12
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
182.24
+109.24%
87.09
+23.69%
70.42
+305.53%
-34.26
Cash Flow From Continuing Operating Activities
182.24
+109.24%
87.09
+23.69%
70.42
+305.53%
-34.26
Net Income From Continuing Operations
195.59
+217.84%
61.54
+35.83%
45.31
+129.35%
-154.36
Depreciation And Amortization
12.70
+32.96%
9.55
+9.92%
8.69
+3.95%
8.36
Other Non Cash Items
-1.84
-3700.00%
0.05
-94.04%
0.86
+85700.00%
-0.00
Stock Based Compensation
5.39
+65.58%
3.25
+138.91%
1.36
-32.17%
2.01
Asset Impairment Charge
0.00
0.00
-100.00%
0.77
-99.17%
91.96
Deferred Tax
2.38
+149.08%
-4.84
-12197.50%
0.04
+100.36%
-11.20
Deferred Income Tax
2.38
+149.08%
-4.84
-12197.50%
0.04
+100.36%
-11.20
Operating Gains Losses
-2.71
-484.82%
0.70
-24.76%
0.94
+764.54%
-0.14
Gain Loss On Investment Securities
-2.71
-484.82%
0.70
-24.76%
0.94
+263.18%
0.26
Unrealized Gain Loss On Investment Securities
—
—
—
0.00
Gain Loss On Sale Of PPE
—
—
-0.04
+91.23%
-0.40
Change In Working Capital
-28.85
-254.95%
18.62
+20.32%
15.48
-38.00%
24.96
Change In Receivables
428.05
+266.48%
-257.12
-179.41%
323.80
+158.15%
-556.87
Changes In Account Receivables
428.05
+258.26%
-270.47
-183.21%
325.03
+158.41%
-556.49
Change In Prepaid Assets
2.76
+117.73%
-15.58
-222.15%
12.76
+131.03%
-41.10
Change In Payables And Accrued Expense
9.22
-86.32%
67.37
+279.54%
-37.52
-664.09%
6.65
Change In Accrued Expense
0.04
+105.46%
-0.71
-129.06%
2.46
+272.66%
-1.42
Change In Payable
9.18
-86.52%
68.08
+270.29%
-39.98
-595.11%
8.07
Change In Account Payable
5.74
-91.46%
67.24
+268.18%
-39.98
-595.11%
8.07
Change In Other Working Capital
—
0.00
0.00
-100.00%
1.62
Change In Other Current Assets
-7.70
-269.51%
4.54
+144.12%
1.86
+77.41%
1.05
Change In Other Current Liabilities
-4.86
-6852.78%
0.07
+100.57%
-12.71
-225.51%
10.12
Investing Cash Flow
-32.67
+64.33%
-91.60
-190.87%
100.81
+366.25%
-37.86
Cash Flow From Continuing Investing Activities
-32.67
+64.33%
-91.60
-190.87%
100.81
+366.25%
-37.86
Net PPE Purchase And Sale
-4.89
+40.58%
-8.23
+16.78%
-9.89
+20.13%
-12.38
Purchase Of PPE
-8.07
+1.90%
-8.23
+16.78%
-9.89
+20.13%
-12.38
Sale Of PPE
3.18
0.00
0.00
—
Capital Expenditure
-8.07
+1.90%
-8.23
+16.78%
-9.89
+20.13%
-12.38
Net Investment Purchase And Sale
-27.76
+66.59%
-83.10
-174.97%
110.85
+535.04%
-25.48
Purchase Of Investment
-344.64
-20.10%
-286.97
-24.37%
-230.74
-70.92%
-135.00
Sale Of Investment
316.88
+55.43%
203.87
-40.32%
341.59
+211.90%
109.52
Financing Cash Flow
-40.63
-682.83%
-5.19
-135.68%
14.55
+387.58%
-5.06
Cash Flow From Continuing Financing Activities
-40.63
-682.83%
-5.19
-135.68%
14.55
+387.58%
-5.06
Net Issuance Payments Of Debt
-36.05
-744.26%
-4.27
+55.89%
-9.68
-235.40%
7.15
Issuance Of Debt
0.00
-100.00%
5.50
0.00
-100.00%
35.00
Repayment Of Debt
-36.05
-268.99%
-9.77
-0.93%
-9.68
+65.24%
-27.85
Long Term Debt Issuance
0.00
-100.00%
5.50
0.00
-100.00%
35.00
Long Term Debt Payments
-36.05
-268.99%
-9.77
-0.93%
-9.68
+65.24%
-27.85
Net Long Term Debt Issuance
-36.05
-744.26%
-4.27
+55.89%
-9.68
-235.40%
7.15
Short Term Debt Issuance
—
—
—
—
Short Term Debt Payments
—
—
—
-5.00
Net Short Term Debt Issuance
—
—
—
-5.00
Net Common Stock Issuance
-2.28
-76000.00%
-0.00
-100.01%
24.67
+435.91%
-7.34
Common Stock Payments
-2.28
-76000.00%
-0.00
0.00
+100.00%
-7.34
Common Stock Dividend Paid
—
—
-0.01
+99.77%
-4.77
Cash Dividends Paid
—
—
-0.01
+99.77%
-4.77
Repurchase Of Capital Stock
-2.28
-76000.00%
-0.00
0.00
+100.00%
-7.34
Net Other Financing Charges
-2.30
-150.38%
-0.92
-113.75%
-0.43
-356.38%
-0.09
Changes In Cash
108.94
+1223.75%
-9.69
-105.22%
185.77
+340.69%
-77.18
Beginning Cash Position
463.64
-2.05%
473.34
+64.60%
287.57
-21.16%
364.75
End Cash Position
572.58
+23.50%
463.64
-2.05%
473.34
+64.60%
287.57
Free Cash Flow
174.16
+120.84%
78.86
+30.30%
60.52
+229.77%
-46.64
Interest Paid Supplemental Data
6.89
-27.20%
9.47
+1.65%
9.31
+18.82%
7.84
Income Tax Paid Supplemental Data
57.86
+359.56%
12.59
+59.49%
7.89
—
Change In Income Tax Payable
3.44
+306.15%
0.85
0.00
0.00
Change In Interest Payable
0.12
+167.60%
-0.18
+56.34%
-0.41
-13566.67%
-0.00
Change In Tax Payable
3.44
+306.15%
0.85
0.00
0.00
Common Stock Issuance
0.00
—
24.67
0.00
Dividends Received CFI
-0.02
+92.22%
-0.27
-77.63%
-0.15
0.00
Issuance Of Capital Stock
0.00
—
24.67
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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