HRTG Relative Valuation
HRTG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HRTG is overvalued; if below, it's undervalued.
Historical Valuation
Heritage Insurance Holdings Inc (HRTG) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 2.28. The fair price of Heritage Insurance Holdings Inc (HRTG) is between NaN to NaN according to relative valuation methord.
Relative Value
Fair Zone
NaN-NaN
Current Price：28.51
Fair
7.02
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Heritage Insurance Holdings Inc. (HRTG) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
1.95
EV/EBIT
Heritage Insurance Holdings Inc. (HRTG) has a current EV/EBIT of 1.95. The 5-year average EV/EBIT is -0.80. The thresholds are as follows: Strongly Undervalued below -13.97, Undervalued between -13.97 and -7.39, Fairly Valued between 5.78 and -7.39, Overvalued between 5.78 and 12.37, and Strongly Overvalued above 12.37. The current Forward EV/EBIT of 1.95 falls within the Historic Trend Line -Fairly Valued range.
0.93
PS
Heritage Insurance Holdings Inc. (HRTG) has a current PS of 0.93. The 5-year average PS is 0.34. The thresholds are as follows: Strongly Undervalued below -0.10, Undervalued between -0.10 and 0.12, Fairly Valued between 0.57 and 0.12, Overvalued between 0.57 and 0.79, and Strongly Overvalued above 0.79. The current Forward PS of 0.93 falls within the Strongly Overvalued range.
0.00
P/OCF
Heritage Insurance Holdings Inc. (HRTG) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.57. The thresholds are as follows: Strongly Undervalued below -0.95, Undervalued between -0.95 and -0.19, Fairly Valued between 1.33 and -0.19, Overvalued between 1.33 and 2.09, and Strongly Overvalued above 2.09. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/FCF
Heritage Insurance Holdings Inc. (HRTG) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.58. The thresholds are as follows: Strongly Undervalued below -0.97, Undervalued between -0.97 and -0.19, Fairly Valued between 1.36 and -0.19, Overvalued between 1.36 and 2.14, and Strongly Overvalued above 2.14. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
Heritage Insurance Holdings Inc (HRTG) has a current Price-to-Book (P/B) ratio of 1.88. Compared to its 3-year average P/B ratio of 1.16 , the current P/B ratio is approximately 62.05% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about 111.90% higher. Heritage Insurance Holdings Inc (HRTG) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 12.48%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 11.00% , the current FCF yield is about -100.00% lower.
1.89
P/B
Median3y
1.16
Median5y
0.89
12.71
FCF Yield
Median3y
12.48
Median5y
11.00
Competitors Valuation Multiple
The average P/S ratio for HRTG's competitors is , providing a benchmark for relative valuation. Heritage Insurance Holdings Inc Corp (HRTG) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 0.29%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of HRTG increased by 134.05% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 3.85 to 23.73.
The secondary factor is the Revenue Growth, contributed 0.29%to the performance.
Overall, the performance of HRTG in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
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What is the current FCF Yield for Heritage Insurance Holdings Inc (HRTG) as of Dec 05 2025?
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