Heritage Insurance Holdings, Inc.
HRTG
NYSE·Financial Services·Insurance - Property & Casualty·Mkt cap $1.0B
$33.86
▼ -0.85%
P/E
4.82
Mkt Cap
$1.0B
52-Wk Range
$20.48–$36.50
52-Week Range
$20.48 - $36.50
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 44.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Regional market expertise in underserved coastal and high-value property markets
- Diversified distribution network spanning 1,500+ retail locations through independent and wholesale agents
- Integrated ancillary services (restoration, emergency recovery, property management) creating customer retention and cross-sell opportunities
- Specialized wind-only and personal residential coverage addressing niche market demands
Bear Case
1 risk
- Average volatility.
Growth
Stable outlook
Geographic expansion into new states with favorable demographics and housing demand
Value
Undervalued - trading well below Property & Casualty Insurance peers
Momentum
Hot
+56.2% over 3m
Quality
Strong
Exceptional business - top-tier fundamentals
Dividend
None
No dividend
Smart-money signal
Who's buying HRTG right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 4, 2026
AUG 5, 2026
Reported EPS of $2.05 vs $1.25 consensus (+64.0% surprise). Revenue of $214.2M vs $212.7M expected (+0.7%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+64.0%
Revenue trend · last 8Q
—
+13%
+4%
+3%
+1%
+4%
+1%
+3%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$209.1M
$207.7M
$211.5M
$208.0M
$212.5M
$215.3M
$212.7M
$214.2M
Margins · last 8Q
Gross
-56.5%
Operating
40.0%
Profit
28.8%
Wall Street consensus
2 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Jul 15, 2026
vs Industry
How HRTG stacks vs Insurance - Property & Casualty
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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