Price Alert

Heritage Insurance Inc. (HRTG)

NYSE: HRTG · Real-Time Price · USD

21.58

-0.87 (-3.88%)

At close: Aug 15, 2025, 12:48 PM

Heritage Insurance Statistics

Share Statistics

Heritage Insurance has 30.99M shares outstanding. The number of shares has increased by 1.01% in one year.

Shares Outstanding	30.99M
Shares Change (YoY)	1.01%
Shares Change (QoQ)	1.26%
Owned by Institutions (%)	54.92%
Shares Floating	24.07M
Failed to Deliver (FTD) Shares	402
FTD / Avg. Volume	0.08%

Short Selling Information

The latest short interest is 2.08M, so 6.7% of the outstanding shares have been sold short.

Short Interest	2.08M
Short % of Shares Out	6.7%
Short % of Float	8.56%
Short Ratio (days to cover)	4.83

Valuation Ratios

The PE ratio is 6.02 and the forward PE ratio is 6.01. Heritage Insurance's PEG ratio is 0.37.

PE Ratio	6.02
Forward PE	6.01
PS Ratio	0.45
Forward PS	0.7
PB Ratio	1.27
P/FCF Ratio	4.69
PEG Ratio	0.37

Financial Ratio History

Enterprise Valuation

Heritage Insurance has an Enterprise Value (EV) of 58.87M.

EV / Sales	0.07
EV / EBITDA	0.57
EV / EBIT	0.68
EV / FCF	0.75

Financial Position

The company has a current ratio of 655.79, with a Debt / Equity ratio of 0.49.

Current Ratio	655.79
Quick Ratio	655.79
Debt / Equity	0.49
Debt / EBITDA	1.37
Debt / FCF	1.79
Interest Coverage	8.56

Financial Efficiency

Return on Equity is 21.16% and Return on Invested Capital is 9.99%.

Return on Equity	21.16%
Return on Assets	2.49%
Return on Invested Capital	9.99%
Revenue Per Employee	$1.51M
Profits Per Employee	$113.96K
Employee Count	540
Asset Turnover	0.33
Inventory Turnover	n/a

Taxes

Income Tax	21.14M
Effective Tax Rate	25.56%

Stock Price Statistics

The stock price has increased by 94.52% in the last 52 weeks. The beta is 1.06, so Heritage Insurance's price volatility has been higher than the market average.

Beta	1.06
52-Week Price Change	94.52%
50-Day Moving Average	22.45
200-Day Moving Average	16.18
Relative Strength Index (RSI)	50
Average Volume (20 Days)	494,233

Income Statement

In the last 12 months, Heritage Insurance had revenue of 817.74M and earned 61.54M in profits. Earnings per share was 2.01.

Revenue	817.74M
Gross Profit	816.99M
Operating Income	93.61M
Net Income	61.54M
EBITDA	103.16M
EBIT	93.61M
Earnings Per Share (EPS)	2.01

Full Income Statement

Balance Sheet

The company has 452.67M in cash and 141.34M in debt, giving a net cash position of 311.33M.

Cash & Cash Equivalents	452.67M
Total Debt	141.34M
Net Cash	311.33M
Retained Earnings	87.66M
Total Assets	2.54B
Working Capital	573.19M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 87.09M and capital expenditures -8.23M, giving a free cash flow of 78.86M.

Operating Cash Flow	87.09M
Capital Expenditures	-8.23M
Free Cash Flow	78.86M
FCF Per Share	2.58

Full Cash Flow Statement

Margins

Gross margin is 99.91%, with operating and profit margins of 11.45% and 7.53%.

Gross Margin	99.91%
Operating Margin	11.45%
Pretax Margin	10.11%
Profit Margin	7.53%
EBITDA Margin	12.62%
EBIT Margin	11.45%
FCF Margin	9.64%

Dividends & Yields

HRTG pays an annual dividend of $0.3, which amounts to a dividend yield of 6.76%.

Dividend Per Share	$0.30
Dividend Yield	6.76%
Dividend Growth (YoY)	0%
Payout Ratio	8.65%
Earnings Yield	16.62%
FCF Yield	21.3%

Dividend Details

Analyst Forecast

The average price target for HRTG is $29, which is 38.6% higher than the current price. The consensus rating is "Buy".

Price Target	$29
Price Target Difference	38.6%
Analyst Consensus	Buy
Analyst Count	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$50.25
Lynch Upside	140.09%
Graham Number	20.74
Graham Upside	-0.91%

Scores

Altman Z-Score	1.07
Piotroski F-Score	4