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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
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Intellectia

Loading chart...

High
22.170
Open
21.990
VWAP
21.77
Vol
441.35K
Mkt Cap
670.86M
Low
21.445
Amount
9.61M
EV/EBITDA(TTM)
0.85
Total Shares
30.27M
EV
248.01M
EV/OCF(TTM)
1.19
P/S(TTM)
0.81
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)
2026-05-07
16:30:00
Heritage Q1 Revenue $212.66M, Below Consensus
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2026-03-09 (ET)
2026-03-09
09:00:00
Stock Futures Plunge Sharply as Oil Prices Surge
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2026-03-09
07:10:00
Heritage Reports Q4 Revenue of $215.32M, Beating Consensus
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2026-02-23 (ET)
2026-02-23
16:20:00
Company Expects Q4 2025 Net Income Over $60M
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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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News

Newsfilter
8.5
05-28Newsfilter
PinnedHeritage Insurance Completes Catastrophe Reinsurance Program Successfully
  • Successful Reinsurance Program: Heritage Insurance has successfully completed its 2026-2027 catastrophe excess-of-loss reinsurance program, securing over $2.2 billion in limits, which demonstrates strong commitment from reinsurance partners and is expected to enhance the company's financial stability and market competitiveness.
  • Significant Cost Reduction: The total cost of this reinsurance program is approximately $367.5 million, a decrease of $63.2 million from last year's renewal, and this cost saving will directly improve the company's profitability while providing funding for future expansions.
  • Enhanced Multi-Year Coverage: The program includes $712 million of multi-year coverage, with $550 million obtained through fully collateralized catastrophe bonds, further strengthening the company's risk management capabilities and ensuring financial security in the face of natural disasters.
  • Stable Loss Retention Levels: The company's loss retention levels remain at approximately $50 million for the Southeast and Hawaii, and $38 million for the Northeast, which will help maintain operational continuity when facing potential catastrophic events.
PRnewswire
8.5
05-28PRnewswire
Heritage Insurance Completes Reinsurance Program Successfully
  • Successful Reinsurance Program: Heritage Insurance has successfully completed its 2026-2027 catastrophe excess-of-loss reinsurance program, securing over $2.2 billion in limits, which demonstrates strong commitment from its reinsurance partners and is expected to enhance the company's financial stability and market competitiveness.
  • Enhanced Coverage: The program includes two new catastrophe bonds and increased multi-year coverage, significantly reducing reinsurance costs while providing stronger protection for its insurance entities, ensuring better risk management in future catastrophic events.
  • Broad Market Coverage: Heritage Insurance writes approximately $1.4 billion in personal and commercial residential premiums across multiple states including the Northeast, Southeast, Hawaii, and California, showcasing its strong influence and business expansion capabilities in the super-regional market.
  • Disaster Response Capability: As a catastrophe-focused property insurer, Heritage has accumulated extensive experience in managing risks associated with wildfires, hurricanes, and winter storms, and will continue to enhance customer service and risk management capabilities in the future.
NASDAQ.COM
8.0
05-21NASDAQ.COM
Heritage Insurance Options Trading Volume Surges
  • Surge in Options Volume: Heritage Insurance Holdings Inc (HRTG) saw options trading volume reach 4,396 contracts today, representing approximately 439,600 shares, which is about 82.4% of its average daily trading volume of 533,505 shares over the past month, indicating strong market interest in the stock.
  • High-Frequency Trading Insights: Notably, the $30 strike call option expiring on July 17, 2026, has seen 4,072 contracts traded today, equating to approximately 407,200 shares of HRTG, suggesting a significant bullish sentiment among investors regarding future price increases.
  • Zoom Options Activity: Concurrently, Zoom Communications Inc (ZM) has also shown active options trading, with a volume of 40,748 contracts today, representing around 4.1 million shares, which accounts for 79.7% of its average daily trading volume of 5.1 million shares over the past month, reflecting ongoing market interest.
  • Put Option Trading: Among ZM's options, the $90 strike put option expiring on May 22, 2026, has recorded a trading volume of 3,290 contracts, representing approximately 329,000 shares, highlighting investor concerns regarding potential downside risks in its stock price.
NASDAQ.COM
2.0
05-08NASDAQ.COM
Heritage Insurance Shares Hit Oversold Signal
  • Oversold Indicator: Heritage Insurance Holdings Inc (Ticker: HRTG) saw its RSI drop to 26.0 during Friday's trading, indicating an oversold condition as shares traded as low as $20.98, suggesting that the recent heavy selling may be nearing exhaustion, prompting bullish investors to consider buying opportunities.
  • Market Comparison: Compared to the S&P 500 ETF (SPY) with an RSI of 76.7, HRTG's oversold status may attract bullish investors, especially given the strong overall market performance, indicating that HRTG's undervaluation could present rebound potential.
  • Historical Performance Analysis: HRTG's 52-week low stands at $16.825 and its high at $31.98, with the current trading price at $22.41, indicating potential rebound space within its trading range, which may attract value-seeking buyers.
  • Investor Sentiment: As HRTG's oversold signal emerges, market sentiment may gradually shift towards optimism, with investors likely to seek entry points in the coming days to capitalize on potential price recoveries.
seekingalpha
9.5
05-08seekingalpha
Heritage Insurance Q1 2026 Earnings Call Insights
  • Profitability Improvement: HRTG reported a net income of $36.5 million or $1.19 per share in Q1 2026, reflecting the successful implementation of a multi-year strategic shift while maintaining acceptable margins, indicating enhanced profitability.
  • New Business Growth: New business written increased by 62.7% from Q1 2025 and over 30% from Q4 2025, demonstrating growth momentum in reopened markets, with expectations for a growth inflection in the coming quarters.
  • Capital Repurchase Plan: The Board approved a new $50 million share repurchase plan, replacing the previous one, with 446,884 shares repurchased year-to-date for $12 million, indicating confidence in the stock's value and proactive capital management.
  • Market Outlook: Management anticipates premium trends to turn positive in Q2 and Q3 of 2026, with declining reinsurance costs expected to benefit policyholders through premium reductions while maintaining the company's margins.
PRnewswire
9.5
05-07PRnewswire
Heritage Insurance Reports Strong Q1 2026 Financial Results
  • Profitability Surge: Heritage Insurance reported a net income of $36.5 million for Q1 2026, translating to earnings per share of $1.19, marking a 19.7% increase from the previous year, indicating a significant improvement in profitability driven by higher investment income and reduced losses.
  • Underwriting Performance Improvement: The net loss ratio decreased to 45.9%, a 3.8 percentage point improvement from the same quarter last year, primarily due to stricter underwriting standards and effective risk management strategies, demonstrating the company's resilience in adverse weather conditions.
  • Shareholder Return Strategy: The Board of Directors has opted to suspend the quarterly dividend to prioritize strategic growth while repurchasing 446,484 shares at a cost of $12 million in 2026, reflecting the company's confidence in future growth and flexibility in capital management.
  • Market Expansion Plans: Management indicated that over 90% of territories have achieved rate adequacy and plans to expand into new markets such as Texas, highlighting strategic decisions in product diversification and geographic expansion that will lay the groundwork for future growth.
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
Mark Hughes
Buy
downgrade
$39 -> $36
AI Analysis
2026-05-11
Reason
Truist
Mark Hughes
Price Target
$39 -> $36
AI Analysis
2026-05-11
downgrade
Buy
Reason
Truist analyst Mark Hughes lowered the firm's price target on Heritage Insurance to $36 from $39 and keeps a Buy rating on the shares. The firm is citing the company's Q1 earnings miss, driven by slower top line growth and marginally higher weather losses, the analyst tells investors in a research note.
Truist
NULL -> Buy
maintain
$37 -> $39
2026-03-10
Reason
Truist
Price Target
$37 -> $39
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.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for HRTG
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Valuation Metrics

The current forward P/E ratio for Heritage Insurance Holdings Inc (HRTG.N) is 0.00, compared to its 5-year average forward P/E of 3.01. 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
3.01
Current PE
0.00
Overvalued PE
10.90
Undervalued PE
-4.89

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
0.09
Current EV/EBITDA
1.15
Overvalued EV/EBITDA
0.40
Undervalued EV/EBITDA
-0.22

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
0.38
Current PS
0.75
Overvalued PS
0.65
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 21.68 USD — it has decreased -1.45

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 212.66M USD, increased 0.54

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 1.19 USD, increased 20.20

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

Heritage Insurance Holdings Inc (HRTG) has 542 emplpoyees as of May 30 2026.

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

Today HRTG has the market capitalization of 670.86M USD.