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
Industry
Insurance
Headquarters
Employees
540
Website
HRTG Metrics
BasicAdvanced
$637M
8.49
$2.53
0.96
-
Price and volume
Market cap
$637M
Beta
0.96
52-week high
$26.64
52-week low
$9.89
Average daily volume
423K
Financial strength
Current ratio
0.756
Quick ratio
0.301
Long term debt to equity
36.135
Total debt to equity
36.135
Interest coverage (TTM)
10.76%
Profitability
EBITDA (TTM)
123.055
Gross margin (TTM)
24.21%
Net profit margin (TTM)
9.29%
Operating margin (TTM)
13.54%
Effective tax rate (TTM)
24.34%
Revenue per employee (TTM)
$1,550,000
Management effectiveness
Return on assets (TTM)
3.26%
Return on equity (TTM)
27.59%
Valuation
Price to earnings (TTM)
8.494
Price to revenue (TTM)
0.787
Price to book
1.94
Price to tangible book (TTM)
2.17
Price to free cash flow (TTM)
8.966
Free cash flow yield (TTM)
11.15%
Free cash flow per share (TTM)
239.69%
Growth
Revenue change (TTM)
11.65%
Earnings per share change (TTM)
52.26%
3-year revenue growth (CAGR)
9.20%
10-year revenue growth (CAGR)
10.99%
3-year earnings per share growth (CAGR)
-11.44%
10-year earnings per share growth (CAGR)
0.46%
Bulls say / Bears say
Heritage Insurance reported a net income of $30.5 million in Q1 2025, more than doubling from $14.2 million in the same period the previous year, indicating strong financial performance. (insurancebusinessmag.com)
The company successfully secured $2.479 billion in catastrophe reinsurance for 2025–2026, enhancing its risk management capabilities. (insurancebusinessmag.com)
Heritage announced a $10 million share repurchase program, reflecting confidence in its financial position and commitment to shareholder value. (prnewswire.com)
The company faced significant catastrophe losses, including an estimated $35–$40 million from California wildfires in early 2025, impacting profitability. (insurancebusinessmag.com)
Heritage's net income declined to $20.3 million in Q4 2024 from $30.9 million in the prior-year quarter, partly due to increased catastrophe losses. (insurancebusinessmag.com)
The company estimated $105 million in hurricane losses for 2024, highlighting vulnerability to natural disasters. (insurancebusinessmag.com)
Data summarised monthly by Lightyear AI. Last updated on 9 Jul 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.
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FAQs
What’s the current market cap for Heritage Insurance stock?
Heritage Insurance (HRTG) has a market cap of $637M as of July 26, 2025.
What is the P/E ratio for Heritage Insurance stock?
The price to earnings (P/E) ratio for Heritage Insurance (HRTG) stock is 8.49 as of July 26, 2025.
Does Heritage Insurance stock pay dividends?
No, Heritage Insurance (HRTG) stock does not pay dividends to its shareholders as of July 26, 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 0.96. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.