Heritage Insurance/$HRTG
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About Heritage Insurance
Heritage Insurance Holdings Inc is a regional property and casualty insurance company that offers a variety of personal and commercial insurance products. Through its subsidiaries, Heritage Property & Casualty Insurance, Narragansett Bay Insurance, and Zephyr Insurance, the company issues personal residential property insurance in various states in the United States. It also offers commercial residential insurance predominantly for its Florida properties. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claims processing internally. Company operates in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina.
Ticker
$HRTG
Sector
Primary listing
NYSE
Employees
540
Headquarters
Website
HRTG Metrics
BasicAdvanced
$677M
6.64
$3.47
1.06
-
Price and volume
Market cap
$677M
Beta
1.06
52-week high
$29.10
52-week low
$9.89
Average daily volume
561K
Financial strength
Current ratio
0.814
Quick ratio
0.29
Long term debt to equity
30.129
Total debt to equity
30.129
Interest coverage (TTM)
15.64%
Profitability
EBITDA (TTM)
161.391
Gross margin (TTM)
28.70%
Net profit margin (TTM)
12.71%
Operating margin (TTM)
17.89%
Effective tax rate (TTM)
24.12%
Revenue per employee (TTM)
$1,560,000
Management effectiveness
Return on assets (TTM)
3.66%
Return on equity (TTM)
33.49%
Valuation
Price to earnings (TTM)
6.639
Price to revenue (TTM)
0.843
Price to book
1.77
Price to tangible book (TTM)
1.93
Price to free cash flow (TTM)
-20.582
Free cash flow yield (TTM)
-4.86%
Free cash flow per share (TTM)
-1.121
Growth
Revenue change (TTM)
9.57%
Earnings per share change (TTM)
76.20%
3-year revenue growth (CAGR)
8.63%
10-year revenue growth (CAGR)
9.25%
3-year earnings per share growth (CAGR)
-19.98%
10-year earnings per share growth (CAGR)
2.06%
Bulls say / Bears say
Strong underwriting discipline led to a significant improvement in the net combined ratio, dropping to 72.9% in Q2 2025 from 92.5% the previous year, reflecting strong core operating profitability.
New business premium written jumped 46.3% year-over-year in Q2 2025, as Heritage nearly fully reopened its production capacity, indicating powerful growth momentum.
Book value per share climbed 48.6% year-over-year to $12.36 at June 30, 2025, demonstrating considerable capital creation and strengthening of shareholder equity.
Gross premiums earned rose just 1.0% year-over-year to $353.6 million in Q2 2025, showing only modest revenue growth despite increased capacity.
Net investment income was down 8.2% year-over-year at $9.0 million in Q2 2025, as a result of a lower interest rate environment, which could impact Heritage’s earnings consistency.
Heritage’s Board is maintaining the suspension of quarterly dividends, choosing to focus resources on strategic growth instead of shareholder payouts, which could put off income-oriented investors.
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
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FAQs
What’s the current market cap for Heritage Insurance stock?
Heritage Insurance (HRTG) has a market cap of $677M as of October 31, 2025.
What is the P/E ratio for Heritage Insurance stock?
The price to earnings (P/E) ratio for Heritage Insurance (HRTG) stock is 6.64 as of October 31, 2025.
Does Heritage Insurance stock pay dividends?
No, Heritage Insurance (HRTG) stock does not pay dividends to its shareholders as of October 31, 2025.
When is the next Heritage Insurance dividend payment date?
Heritage Insurance (HRTG) stock does not pay dividends to its shareholders.
What is the beta indicator for Heritage Insurance?
Heritage Insurance (HRTG) has a beta rating of 1.06. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.