Heritage Insurance/$HRTG
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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 across various states in the U.S. 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. The company operates in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, and South Carolina.
- Ticker
- $HRTG
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 542
- Headquarters
- Tampa, United States
- Website
- www.heritagepci.com
HRTG Metrics
BasicAdvanced
$1B
5.09
$7.10
0.92
-
Price and volume
Market cap
$1B
Beta
0.92
52-week high
$37.87
52-week low
$20.48
Average daily volume
252K
Financial strength
Current ratio
0.79
Quick ratio
0.394
Long term debt to equity
0.15
Total debt to equity
0.15
Interest coverage (TTM)
43.73%
Profitability
EBITDA (TTM)
305.822
Gross margin (TTM)
45.06%
Net profit margin (TTM)
25.07%
Operating margin (TTM)
34.08%
Effective tax rate (TTM)
24.71%
Revenue per employee (TTM)
$1,590,000
Management effectiveness
Return on assets (TTM)
7.93%
Return on equity (TTM)
41.68%
Valuation
Price to earnings (TTM)
5.091
Price to revenue (TTM)
1.273
Price to book
1.74
Price to tangible book (TTM)
1.81
Growth
Revenue change (TTM)
2.27%
Earnings per share change (TTM)
46.88%
3-year revenue growth (CAGR)
6.01%
10-year revenue growth (CAGR)
7.01%
3-year earnings per share growth (CAGR)
90.01%
10-year earnings per share growth (CAGR)
14.12%
What the Analysts think about HRTG
Analyst ratings (Buy, Hold, Sell) for Heritage Insurance stock.
Analyst projections of the future price of Heritage Insurance stock.
Bulls say / Bears say
Year-to-date net income rose 15.8% to $149.3 million, while book value per share increased 42.9% year on year to $20.22. The third-quarter combined ratio remained a strong 73.0%. (Heritage Insurance)
Heritage’s 2026–27 catastrophe reinsurance costs are about $63 million lower than last year, despite higher coverage limits. That should reduce a major expense and help support underwriting margins. (Heritage Insurance)
The balance sheet strengthened, with the debt-to-capital ratio falling to 10.5%, and Heritage repurchased $27.9 million of shares in 2026. A new programme authorises up to a further $50 million of buybacks through 2027. (Heritage Insurance)
Premiums-in-force fell 2.8% year on year and gross premiums written declined 3.1% in the third quarter. Competitive pressure in Florida commercial property is weighing on volumes, which may constrain growth. (Heritage Insurance)
Catastrophe and weather losses rose to $33.6 million from $13.8 million a year earlier, and the net loss ratio worsened by 1.3 percentage points. $14 million of favourable prior-year reserve development helped offset the deterioration, making reported results sensitive to both storms and reserve estimates. (Heritage Insurance)
Management expects further rate decreases in Florida, as competition intensifies. Lower renewal prices could weaken premium growth and put pressure on margins if claims costs do not ease accordingly. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
HRTG Financial Performance
Revenues and expenses
HRTG Earnings Performance
Company profitability
Upcoming events
No upcoming events
HRTG News
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Funds containing HRTG
Fund name | Fund size | $HRTG weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.03% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.03% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
iShares MSCI World Small Cap£WLDS | $9B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.01% |
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.
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