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HRTG Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
29.000
Open
28.580
VWAP
28.60
Vol
315.62K
Mkt Cap
877.22M
Low
28.340
Amount
9.03M
EV/EBITDA(TTM)
1.42
Total Shares
30.83M
EV
401.99M
EV/OCF(TTM)
2.18
P/S(TTM)
1.03
Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company. The Company primarily provides personal and commercial residential insurance through its insurance company subsidiaries. It is vertically integrated and controls or manages substantially all aspects of insurance underwriting, customer service, actuarial analysis, distribution and claims processing and adjusting. Its subsidiaries include Heritage Property & Casualty Insurance Company (Heritage P&C), which provides personal and commercial residential property insurance and commercial general liability insurance; Narragansett Bay Insurance Company (NBIC), which provides personal and commercial residential property insurance, and Zephyr Insurance Company (Zephyr), which provides personal residential and wind-only property insurance in Hawaii. The Company provides personal residential insurance in approximately 14 eastern and gulf states and commercial residential insurance in three of those states.
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Events Timeline

(ET)
2026-03-09
09:00:00
Stock Futures Plunge Sharply as Oil Prices Surge
select
2026-03-09
07:10:00
Heritage Reports Q4 Revenue of $215.32M, Beating Consensus
select
2026-02-23 (ET)
2026-02-23
16:20:00
Company Expects Q4 2025 Net Income Over $60M
select
2025-11-05 (ET)
2025-11-05
16:52:31
Heritage Insurance announces Q3 earnings per share of $1.63, up from 27 cents a year ago.
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2025-08-05 (ET)
2025-08-05
16:20:55
Heritage Insurance to continue to suspend dividend
select

News

seekingalpha
9.5
03-09seekingalpha
Heritage Insurance Holdings Q4 2025 Earnings Call Highlights
  • Significant Net Income Growth: In Q4 2025, Heritage Insurance Holdings reported net income of $195.6 million, or $6.32 per share, marking a substantial increase from $61.5 million and $2.01 per share in Q4 2024, which enhances investor confidence and reflects improved profitability.
  • New Market Expansion Plans: The company plans to enter the Texas excess and surplus lines market in 2026, focusing on Tier 1 and some Tier 2 geographies, leveraging both existing and new distribution partners, which is expected to further drive new business growth and increase market share.
  • Enhanced Data-Driven Analytics: Management emphasized plans to deepen data-driven analytics in 2026, including the integration of AI and advanced technology tools to sharpen risk selection and operational efficiency, thereby optimizing customer service and claims capabilities and strengthening competitive advantages.
  • Optimistic Reinsurance Market Outlook: Management expressed optimism about continued improvements in reinsurance pricing in 2026, citing enhanced litigation environments and reinsurance market capacity as factors that will benefit consumers by lowering insurance costs and further driving the company's profit growth.
seekingalpha
9.5
03-09seekingalpha
Heritage Insurance Q4 Earnings Exceed Expectations
  • Earnings Beat: Heritage Insurance reported a Q4 GAAP EPS of $2.15, surpassing expectations by $0.55, which highlights a significant enhancement in profitability and boosts investor confidence.
  • Revenue Growth: The company's Q4 revenue reached $215.32 million, a 2.4% year-over-year increase that exceeded expectations by $2.72 million, indicating stable market demand and further solidifying its market position.
  • Improved Loss Ratio: The net loss ratio improved to 31.3%, a 23.4 percentage point decrease from the prior year, demonstrating significant advancements in risk management and underwriting efficiency, which contribute to overall profitability.
  • Increased Shareholder Returns: The return on average equity rose to 56.6%, up 28.1 percentage points from the previous year, reflecting a notable improvement in capital utilization efficiency and enhancing the long-term investment appeal for shareholders.
NASDAQ.COM
9.5
03-09NASDAQ.COM
Heritage Insurance Reports Significant Q4 Profit Increase
  • Significant Profit Growth: Heritage Insurance reported a fourth-quarter profit of $66.67 million, translating to earnings per share of $2.15, a substantial increase from last year's $20.29 million and $0.66 per share, indicating a marked improvement in the company's profitability.
  • Revenue Increase: The company's revenue for the fourth quarter reached $215.32 million, up 2.4% from $210.26 million last year, reflecting a steady market performance despite the competitive insurance landscape.
  • Strong Financial Metrics: Heritage's earnings per share surged by 226.1% compared to the previous year, enhancing investor confidence and laying a solid foundation for future capital operations and shareholder returns.
  • Optimistic Market Outlook: With both profit and revenue growth, Heritage Insurance's competitive position in the insurance industry strengthens, likely attracting increased investor interest in its future growth potential.
PRnewswire
9.5
03-09PRnewswire
Heritage Insurance Reports Record Earnings in Q4 2025
  • Significant Net Income Growth: Heritage Insurance reported a net income of $66.7 million for Q4 2025, translating to $2.15 per diluted share, which is a remarkable 228.5% increase from $20.3 million and $0.66 per share in the same quarter last year, primarily driven by higher net premiums earned and investment income, showcasing the company's robust profitability in the market.
  • Substantial Premium Production Increase: The company experienced a 60.4% year-over-year increase in new business premium production, reaching $336.2 million, reflecting its focus on rate adequacy in over 90% of its markets and disciplined underwriting standards, indicating strong growth potential in a competitive insurance landscape.
  • Expanded Share Repurchase Plan: Heritage repurchased 106,135 shares of common stock at a cost of $2.3 million in 2025 and plans to continue repurchasing up to $25 million of common stock in 2026, demonstrating confidence in its stock value and commitment to shareholder returns.
  • Improved Combined Loss Ratio: The combined loss ratio for Q4 2025 was 62.0%, improving by 27.7 percentage points from 89.7% in the prior year quarter, reflecting effective measures in reducing losses and expenses, thereby enhancing the company's financial stability and competitive position in the market.
Newsfilter
9.5
03-09Newsfilter
Heritage Insurance Reports Strong Q4 2025 Earnings Growth
  • Significant Net Income Growth: Heritage Insurance reported a net income of $66.7 million for Q4 2025, a remarkable increase of 228.5%, with earnings per share at $2.15, indicating a substantial enhancement in profitability driven by successful strategic initiatives.
  • Stable Premium Revenue: The company earned gross premiums of $361.7 million in Q4, reflecting a 0.4% year-over-year increase, as growth in personal lines offset a slight decline in commercial residential business, demonstrating resilience in a competitive market.
  • Improved Loss Ratio: The net loss ratio improved to 31.3%, a 23.4 percentage point reduction from the previous year, primarily due to higher net premiums earned and significantly lower loss adjustment expenses, showcasing effective risk management and underwriting discipline.
  • Shareholder Return Strategy Adjustment: Heritage has opted to suspend its quarterly dividend to prioritize strategic growth, while repurchasing 106,135 shares in 2025, reflecting confidence in future growth and prudent capital management.
Newsfilter
9.5
03-09Newsfilter
HRTG Q4 Earnings Forecast Released
  • Earnings Growth Expectation: HRTG anticipates Q4 earnings of $1.74 per share, a significant increase from $0.66 in 2019, indicating ongoing improvements in profitability that may attract more investor interest.
  • Market Reaction: Despite the optimistic earnings forecast, HRTG's stock fell 0.4% on Friday, reflecting a cautious market sentiment regarding the company's future performance, which could impact short-term investor confidence.
  • Positive Analyst Ratings: Analysts generally rate HRTG positively, suggesting market recognition of its growth potential, which may further drive a rebound in stock prices.
  • Enhanced Financial Transparency: HRTG's detailed earnings forecast ahead of the upcoming report boosts investor confidence in its financial health, potentially improving market sentiment towards its stock in the long run.
Wall Street analysts forecast HRTG stock price to rise
2 Analyst Rating
Wall Street analysts forecast HRTG stock price to rise
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
34.00
Averages
35.50
High
37.00
Current: 0.000
sliders
Low
34.00
Averages
35.50
High
37.00
Truist
NULL -> Buy
maintain
$37 -> $39
AI Analysis
2026-03-10
Reason
Truist
Price Target
$37 -> $39
AI Analysis
2026-03-10
maintain
NULL -> Buy
Reason
Truist raised the firm's price target on Heritage Insurance to $39 from $37 and keeps a Buy rating on the shares. The firm is increasing its EPS estimate for this year to $5.00 from $4.50, influenced by lower assumed attritional losses, the analyst tells investors in a research note.
Piper Sandler
Overweight
maintain
$28 -> $34
2025-11-07
Reason
Piper Sandler
Price Target
$28 -> $34
2025-11-07
maintain
Overweight
Reason
Piper Sandler raised the firm's price target on Heritage Insurance to $34 from $28 and keeps an Overweight rating on the shares following quarterly results. The firm says that while the unexpectedly high level of attritional loss is something to watch, the overall bottom line was an exceptional 49% ROE.
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Valuation Metrics

The current forward P/E ratio for Heritage Insurance Holdings Inc (HRTG.N) is 6.76, compared to its 5-year average forward P/E of 3.22. For a more detailed relative valuation and DCF analysis to assess Heritage Insurance Holdings Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
3.22
Current PE
6.76
Overvalued PE
11.40
Undervalued PE
-4.97

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
0.35
Current PS
0.90
Overvalued PS
0.59
Undervalued PS
0.11

Financials

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Frequently Asked Questions

What is Heritage Insurance Holdings Inc (HRTG) stock price today?

The current price of HRTG is 28.45 USD — it has increased 0.78

What is Heritage Insurance Holdings Inc (HRTG)'s business?

Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company. The Company primarily provides personal and commercial residential insurance through its insurance company subsidiaries. It is vertically integrated and controls or manages substantially all aspects of insurance underwriting, customer service, actuarial analysis, distribution and claims processing and adjusting. Its subsidiaries include Heritage Property & Casualty Insurance Company (Heritage P&C), which provides personal and commercial residential property insurance and commercial general liability insurance; Narragansett Bay Insurance Company (NBIC), which provides personal and commercial residential property insurance, and Zephyr Insurance Company (Zephyr), which provides personal residential and wind-only property insurance in Hawaii. The Company provides personal residential insurance in approximately 14 eastern and gulf states and commercial residential insurance in three of those states.

What is the price predicton of HRTG Stock?

Wall Street analysts forecast HRTG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HRTG is35.50 USD with a low forecast of 34.00 USD and a high forecast of 37.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Heritage Insurance Holdings Inc (HRTG)'s revenue for the last quarter?

Heritage Insurance Holdings Inc revenue for the last quarter amounts to 215.32M USD, increased 2.40

What is Heritage Insurance Holdings Inc (HRTG)'s earnings per share (EPS) for the last quarter?

Heritage Insurance Holdings Inc. EPS for the last quarter amounts to 2.15 USD, increased 225.76

How many employees does Heritage Insurance Holdings Inc (HRTG). have?

Heritage Insurance Holdings Inc (HRTG) has 542 emplpoyees as of March 17 2026.

What is Heritage Insurance Holdings Inc (HRTG) market cap?

Today HRTG has the market capitalization of 877.22M USD.