Historical Valuation
Heritage Insurance Holdings Inc (HRTG) is now in the Overvalued zone, suggesting that its current forward PS ratio of 0.90 is considered Overvalued compared with the five-year average of 2.61. The fair price of Heritage Insurance Holdings Inc (HRTG) is between 10.28 to 21.65 according to relative valuation methord. Compared to the current price of 27.13 USD , Heritage Insurance Holdings Inc is Overvalued By 25.33%.
Relative Value
Fair Zone
10.28-21.65
Current Price：27.13
25.33%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Heritage Insurance Holdings Inc (HRTG) has a current Price-to-Book (P/B) ratio of 1.82. Compared to its 3-year average P/B ratio of 1.21 , the current P/B ratio is approximately 51.29% higher. Relative to its 5-year average P/B ratio of 0.91, the current P/B ratio is about 100.73% higher. Heritage Insurance Holdings Inc (HRTG) has a Forward Free Cash Flow (FCF) yield of approximately 13.12%. Compared to its 3-year average FCF yield of 15.42%, the current FCF yield is approximately -14.95% lower. Relative to its 5-year average FCF yield of 10.36% , the current FCF yield is about 26.68% lower.
P/B
Median3y
1.21
Median5y
0.91
FCF Yield
Median3y
15.42
Median5y
10.36
Competitors Valuation Multiple
AI Analysis for HRTG
The average P/S ratio for HRTG competitors is 1.09, providing a benchmark for relative valuation. Heritage Insurance Holdings Inc Corp (HRTG.N) exhibits a P/S ratio of 0.90, which is -17.39% above the industry average. Given its robust revenue growth of 0.29%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for HRTG
1Y
3Y
5Y
Market capitalization of HRTG increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of HRTG in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is HRTG currently overvalued or undervalued?
Heritage Insurance Holdings Inc (HRTG) is now in the Overvalued zone, suggesting that its current forward PS ratio of 0.90 is considered Overvalued compared with the five-year average of 2.61. The fair price of Heritage Insurance Holdings Inc (HRTG) is between 10.28 to 21.65 according to relative valuation methord. Compared to the current price of 27.13 USD , Heritage Insurance Holdings Inc is Overvalued By 25.33% .
What is Heritage Insurance Holdings Inc (HRTG) fair value?
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. The fair price of Heritage Insurance Holdings Inc (HRTG) is between 10.28 to 21.65 according to relative valuation methord.
How does HRTG's valuation metrics compare to the industry average?
The average P/S ratio for HRTG's competitors is 1.09, providing a benchmark for relative valuation. Heritage Insurance Holdings Inc Corp (HRTG) exhibits a P/S ratio of 0.90, which is -17.39% above the industry average. Given its robust revenue growth of 0.29%, this premium appears unsustainable.
What is the current P/B ratio for Heritage Insurance Holdings Inc (HRTG) as of Jan 09 2026?
As of Jan 09 2026, Heritage Insurance Holdings Inc (HRTG) has a P/B ratio of 1.82. This indicates that the market values HRTG at 1.82 times its book value.
What is the current FCF Yield for Heritage Insurance Holdings Inc (HRTG) as of Jan 09 2026?
As of Jan 09 2026, Heritage Insurance Holdings Inc (HRTG) has a FCF Yield of 13.12%. This means that for every dollar of Heritage Insurance Holdings Inc’s market capitalization, the company generates 13.12 cents in free cash flow.
What is the current Forward P/E ratio for Heritage Insurance Holdings Inc (HRTG) as of Jan 09 2026?
As of Jan 09 2026, Heritage Insurance Holdings Inc (HRTG) has a Forward P/E ratio of 6.76. This means the market is willing to pay $6.76 for every dollar of Heritage Insurance Holdings Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Heritage Insurance Holdings Inc (HRTG) as of Jan 09 2026?
As of Jan 09 2026, Heritage Insurance Holdings Inc (HRTG) has a Forward P/S ratio of 0.90. This means the market is valuing HRTG at $0.90 for every dollar of expected revenue over the next 12 months.