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
ISIN
US42727J1025
Website
HRTG Metrics
BasicAdvanced
$672M
8.96
$2.53
0.96
-
Price and volume
Market cap
$672M
Beta
0.96
52-week high
$26.64
52-week low
$9.89
Average daily volume
505K
Financial strength
Current ratio
0.777
Quick ratio
0.309
Long term debt to equity
36.135
Total debt to equity
36.135
Interest coverage (TTM)
10.76%
Profitability
EBITDA (TTM)
123.546
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)
8.956
Price to revenue (TTM)
0.83
Price to book
2.04
Price to tangible book (TTM)
2.28
Price to free cash flow (TTM)
9.454
Free cash flow yield (TTM)
10.58%
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 $30.47 million for Q1 2025, significantly surpassing analyst expectations of $0.45 per share with an actual EPS of $0.99, indicating strong financial performance. (TradingView News)
The company's inclusion in the Russell 3000 Index as of July 1, 2024, enhances its visibility among investors and reflects its solid financial performance and strategic execution. (Investing.com)
Top executives, including CEO Ernie Garateix and CFO Kirk Lusk, have recently purchased significant amounts of company stock, signaling confidence in Heritage Insurance's future prospects. (TradingView News)
Heritage Insurance's stock price fell by 7.5% following the pricing of a public offering of approximately 3.7 million shares at $6.75 per share, indicating potential dilution concerns among investors. (TradingView News)
The company announced a 3.3% rate decrease for its Florida homeowner's insurance, which, while beneficial for policyholders, could potentially impact revenue growth. (ADVFN)
Despite recent gains, Heritage Insurance's stock remains susceptible to market volatility, as evidenced by a 7.5% drop following a stock offering, highlighting potential investor concerns over dilution and financial strategy. (TradingView News)
Data summarised monthly by Lightyear AI. Last updated on 7 Jun 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
Upcoming events
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FAQs
What’s the current market cap for Heritage Insurance stock?
Heritage Insurance (HRTG) has a market cap of $672M as of July 03, 2025.
What is the P/E ratio for Heritage Insurance stock?
The price to earnings (P/E) ratio for Heritage Insurance (HRTG) stock is 8.96 as of July 03, 2025.
Does Heritage Insurance stock pay dividends?
No, Heritage Insurance (HRTG) stock does not pay dividends to its shareholders as of July 03, 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.