HRTG

Heritage Insurance Holdings Inc

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Advanced Chart

27.100

+0.87(3.317%)1D

Line

Candle

YTD

High

27.525

Open

26.390

VWAP

26.91

Vol

497.31K

Mkt Cap

837.70M

Low

25.850

Amount

13.38M

EV/EBITDA(TTM)

1.67

Total Shares

30.64M

372.77M

EV/OCF(TTM)

3.25

P/S(TTM)

0.99

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q2

FY2026Q1

FY2025Q4

222.76M

+7.08%

1.035

-33.23%

219.34M

+3.7%

1.430

+44.44%

212.60M

+1.11%

0.980

+48.48%

Estimates Revision

The market is revising Upward the revenue expectations for Heritage Insurance Holdings, Inc. (HRTG) for FY2025, with the revenue forecasts being adjusted by 0.28% over the past three months. During the same period, the stock price has changed by 19.65%.

Revenue Estimates for FY2025

Revise Upward

+0.28%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+28.44%

In Past 3 Month

Stock Price

Go Up

+19.65%

In Past 3 Month

3 Analyst Rating

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 is 35.50 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.

2 Buy

1 Hold

0 Sell

Moderate Buy

Current: 27.100

Low

34.00

Averages

35.50

High

37.00

Current: 27.100

Low

34.00

Averages

35.50

High

37.00

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.

Truist

Mark Hughes

Buy

maintain

$30 -> $35

2025-09-19

Reason

Truist

Mark Hughes

Price Target

$30 -> $35

2025-09-19

maintain

Buy

Reason

Truist analyst Mark Hughes raised the firm's price target on Heritage Insurance to $35 from $30 and keeps a Buy rating on the shares after hosting investor meetings with its management team. The firm is boosting its price target to reflect the company's increased visibility for lower reinsurance costs as well as prospects for stepped-up capital management activity, the analyst tells investors in a research note.

Piper Sandler

Paul Newsome

Overweight

maintain

$19 -> $28

2025-05-08

Reason

Piper Sandler

Paul Newsome

Price Target

$19 -> $28

2025-05-08

maintain

Overweight

Reason

Piper Sandler analyst Paul Newsome raised the firm's price target on Heritage Insurance to $28 from $19 and keeps an Overweight rating on the shares following quarterly results. A strong beat versus PSC and consensus driven by better-than-expected underwriting results and lower than expected catastrophe losses, the firm says. Underlying underwriting results were better than expected driven by favorable development and lower catastrophe losses, adds Piper.

Truist

Buy

maintain

$20 -> $30

2025-05-08

Reason

Truist

Price Target

$20 -> $30

2025-05-08

maintain

Buy

Reason

Truist raised the firm's price target on Heritage Insurance to $30 from $20 and keeps a Buy rating on the shares after its Q1 earnings beat. The firm is positive on the upside and the improved visibility for sustained low losses, while also boosting its 2026 EPS forecast to $4.25 from $3.65, the analyst tells investors in a research note.

Citizens Capital Markets

Matthew Carletti

Hold

Reiterates

n/a

2025-03-13

Reason

Citizens Capital Markets

Matthew Carletti

Price Target

n/a

2025-03-13

Reiterates

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Heritage Insurance Holdings Inc (HRTG.N) is 6.72, compared to its 5-year average forward P/E of 2.15. For a more detailed relative valuation and DCF analysis to assess Heritage Insurance Holdings Inc 's fair value, click here.

Forward PE
Forward EV/EBITDA
Forward PS

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.

N/A

5Y Average PE

2.15

Current PE

6.72

Overvalued PE

11.04

Undervalued PE

-6.74

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.

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.

N/A

5Y Average PS

0.34

Current PS

0.00

Overvalued PS

0.56

Undervalued PS

0.12