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
5.02
$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
276K
Financial strength
Current ratio
0.819
Quick ratio
0.379
Long term debt to equity
0.162
Total debt to equity
0.162
Interest coverage (TTM)
41.78%
Profitability
EBITDA (TTM)
307.66
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)
5.023
Price to revenue (TTM)
1.263
Price to book
1.79
Price to tangible book (TTM)
1.88
Price to free cash flow (TTM)
3.625
Free cash flow yield (TTM)
27.58%
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%
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
Heritage delivered a strong Q2: net income rose 28.5% to $61.7 million and the combined ratio improved to 64.9% from 72.9%. Lower weather losses and continued claims improvements suggest its pricing and underwriting changes are working. (Heritage Insurance, The Motley Fool)
The 2026–27 catastrophe reinsurance renewal provides more than $2.2 billion of limit at a lower cost, with expected annualised savings of $63.2 million. That should reduce ceded premiums and support margins while giving the company greater protection. (Heritage Insurance, PR Newswire)
Growth could reaccelerate now that more than 90% of territories are open for new business and Q1 new business written rose 62.7% year on year. Management also says the pace of policy declines is moderating, pointing to a possible inflection in personal residential insurance. (Heritage Insurance, The Motley Fool)
The sharp Q2 improvement was helped by $23.4 million of favourable prior-year reserve development and lower weather losses. Those benefits may not repeat, making the 64.9% combined ratio a poor guide to normalised earnings. (Heritage Insurance, The Motley Fool)
Heritage is still shrinking its book: policies in force fell 5.2% year on year in Q2, while gross premiums written fell 5.5%. Competition in Florida commercial residential insurance is encouraging the company to walk away from underpriced accounts, which limits near-term premium growth. (Heritage Insurance, Insurance Journal)
Catastrophe risk remains a material earnings swing factor despite the new reinsurance programme. Heritage still retains roughly $50 million per first event in the Southeast and Hawaii and $38 million in the Northeast, while its business remains exposed to hurricanes, severe storms and other catastrophes. (Reinsurance News, Heritage Insurance)
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2026.
HRTG Financial Performance
Revenues and expenses
HRTG Earnings Performance
Company profitability
Upcoming events
No upcoming events
HRTG News
AllArticlesVideos
Funds containing HRTG
AllEURGBPUSD
Fund name | Fund size | $HRTG weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
SPDR Russell 2000 US Small Cap£R2SC | £4.1B | 0.03% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.02% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
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