NYSE · Insurance - Property & Casualty

HRTG (HRTG) Stock

$28.46 +2.30% NYSE: HRTG Financial Services

Valuation

MetricValue
Price$28.46
Market Cap$863.76M
P/E Ratio3.71
P/B Ratio1.41
P/S Ratio0.94
EPS (TTM)$6.32
52-Week High$31.98
52-Week Low$16.82
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE38.81%
ROA8.93%
ROCE51.29%
Gross Margin30.58%
Operating Margin30.58%
Net Margin25.99%
Debt/Equity0.19
Current Ratio0.86

Annual Financials (USD)

Metric20212022202320242025
Revenue$632.0M$662.0M$735.0M$817.0M$847.0M
Operating Profit$-76.0M$-166.0M$52.0M$83.0M$259.0M
Net Profit$-75.0M$-154.0M$45.0M$62.0M$196.0M
EPS$-2.69$-5.86$1.73$2.01$6.32
Op Margin-12.0%-25.1%7.1%10.1%30.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.0B$2.4B$2.1B$2.5B$2.2B
Total Liabilities$1.6B$2.3B$1.9B$2.2B$1.7B
Cash$359.0M$281.0M$464.0M$453.0M$559.0M
Borrowings$152.0M$160.0M$148.0M$141.0M$100.0M

Latest News

Truist is Bullish on Heritage Insurance Holdings, Inc. (HRTG) Insider Monkey · Jun 13, 2026 Heritage Announces Full Placement of 2026-2027 CAT XOL Reinsurance Program PR Newswire · May 28, 2026 Heritage Insurance Holdings Insider Bought Shares Worth $376,950, According to a Recent SEC Filing MT Newswires · May 20, 2026 Uncovering 3 Undiscovered Gems in the US Market Simply Wall St. · May 18, 2026 Kingstone Companies Stock Plunges 16% YTD: Time to Buy the Dip? Zacks · May 12, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$60.0M$-34.0M$70.0M$87.0M$182.0M
Investing Cash Flow$-125.0M$-50.0M$91.0M$-100.0M$-41.0M
Financing Cash Flow$-8.0M$-7.0M$0$-1.0M$-5.0M
Net Cash Flow$-82.0M$-77.0M$186.0M$-10.0M$109.0M
Free Cash Flow$59.0M$-47.0M$61.0M$79.0M$174.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA0.93
FCF Yield27.58%
Quick Ratio39.43
Interest Coverage32.38
Return 1Y19.78%
Return 3Y489.24%
Return 5Y249.69%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ACIC $10.44 +1.56% 4.94 $505.96M 6.82%
AMAL $50.31 +1.00% 12.59 $1.50B 1.43%
ASIC $25.35 +1.32% 10.81 $1.22B 0.00%
BOW $33.45 -1.24% 17.02 $1.10B 0.00%
DGICA $19.24 -1.48% 9.83 $708.91M 4.22%

About HRTG

HRTG is led by CEO Ernesto Jose Garateix, employs 540 people, headquartered in US, publicly traded since 2014.

HRTG stock trades at $28.46 with a market capitalization of $863.76M. The stock is valued at a price-to-earnings (P/E) ratio of 3.71, price-to-book of 1.41, price-to-sales of 0.94. Over the past 52 weeks the stock has ranged between $16.82 and $31.98, and currently trades 11.0% below its 52-week high.

On profitability, HRTG generates a return on equity (ROE) of 38.81% — well above the market average, a sign of a high-quality business, return on capital employed of 51.29%, an operating margin of 30.58%, a net profit margin of 25.99%.

Related Financial Services Stocks

BRK.A Insurance - Diversified $733370.00 +0.00% BRK.B FIRE, MARINE & CASUALTY INSURANCE $482.70 +0.00% JPM Banks - Diversified $357.52 +0.34% V Financial - Credit Services $362.50 -2.15% MA Financial - Credit Services $562.95 -2.26% BAC Banks - Diversified $63.17 +0.27% HSBC Banks - Diversified $102.60 -1.06% MS Financial - Capital Markets $203.19 -3.97% GS Financial - Capital Markets $980.75 -5.09% RY Banks - Diversified $206.45 -2.79% WFC Banks - Diversified $83.87 -3.45% MUFG Banks - Diversified $21.94 -2.18%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens featuring this stock

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksNYSE High ROE StocksAll stock screens
Run Stock Screener Investing Guides