Heritage Insurance/$HRTG
1D1W1MYTD1Y5YMAX
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
4.98
$7.01
0.91
-
Price and volume
Market cap
$1B
Beta
0.91
52-week high
$36.50
52-week low
$20.48
Average daily volume
291K
Financial strength
Current ratio
0.819
Quick ratio
0.38
Long term debt to equity
0.162
Total debt to equity
0.162
Interest coverage (TTM)
41.78%
Profitability
EBITDA (TTM)
307.41
Gross margin (TTM)
45.39%
Net profit margin (TTM)
25.19%
Operating margin (TTM)
34.46%
Effective tax rate (TTM)
25.11%
Revenue per employee (TTM)
$1,580,000
Management effectiveness
Return on assets (TTM)
7.38%
Return on equity (TTM)
45.28%
Valuation
Price to earnings (TTM)
4.985
Price to revenue (TTM)
1.253
Price to book
1.78
Price to tangible book (TTM)
1.87
Price to free cash flow (TTM)
3.598
Free cash flow yield (TTM)
27.80%
Free cash flow per share (TTM)
9.718
Growth
Revenue change (TTM)
1.54%
Earnings per share change (TTM)
101.83%
3-year revenue growth (CAGR)
6.76%
10-year revenue growth (CAGR)
7.43%
3-year earnings per share growth (CAGR)
135.00%
10-year earnings per share growth (CAGR)
12.95%
Bulls say / Bears say
Heritage delivered record second quarter net income of $61.7 million, a 28.5% increase year-over-year, driven by lower losses and higher investment income (PR Newswire)
The company’s underwriting performance strengthened, with the net combined ratio improving by 8.0 percentage points to 64.9%, reflecting disciplined rate adequacy and selective underwriting (PR Newswire)
Heritage repurchased 1,001,508 shares for $24.6 million in 2026 under its $50 million authorization, with $37.4 million remaining, underscoring management’s confidence in the company’s intrinsic value (PR Newswire)
Gross premiums written fell 5.5% to $388.4 million in Q2, primarily due to competitive pricing pressures in Florida’s commercial residential market, pointing to challenging rate environments (SEC Filing)
Premiums-in-force declined 1.4% year-over-year to $1.41 billion, signaling contraction in policy volumes, particularly in commercial residential lines (SEC Filing)
The board maintained suspension of the quarterly dividend to preserve capital for growth, which may deter income-seeking investors in the absence of shareholder distributions (PR Newswire)
Data summarised monthly by Lightyear AI. Last updated on 3 Sept 2026.
Upcoming events
No upcoming events
HRTG News
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Funds containing HRTG
AllEURUSDGBP
Fund name | Fund size | $HRTG weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.01% |
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