Heritage Insurance Hldgs Inc (HRTG)
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This stock currently matches 7 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 29.40 $ — 86% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 8.6% failed
- More than 10% revenue growth is expected for the coming year 4.5% failed
- Share count grows by less than 3% a year 5.5% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 24.3% failed
- Gross margin at 40% or higher and without meaningful erosion 63.0% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 559 m net cash passed
- Operating cash flow covers the profits of the last three years 37 m passed
- Return on capital at 15% or higher, or up versus two years ago 48.8% passed
- Insiders hold at least 10% or are net buyers 19.8% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 13.9% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.37 | 4.15 – 4.50 | 861 | -30.2% | 3 |
| 12/31/2027 | 4.73 | 4.10 – 5.20 | 899 | 8.4% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.99 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.66 | -42.50 | 210 | 12.50 | 9.70 | -56 | -59 |
| 2025: Q1 | 0.99 | 112.00 | 212 | 3.90 | 14.40 | 1 | -1 |
| 2025: Q2 | 1.55 | 152.90 | 208 | 2.20 | 23.10 | 43 | 42 |
| 2025: Q3 | 1.63 | 514.40 | 213 | 0.30 | 23.70 | 124 | 128 |
| 2025: Q4 | 2.15 | 225.40 | 142 | -32.30 | 46.80 | 14 | 8 |
| 2026: Q1 | 1.19 | 19.80 | 213 | 0.50 | 17.20 | 25 | 23 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 439 | 56 | 34 | 1.14 | 75 | 358 | 1,033 |
| 2017 | 407 | -6 | -1 | -0.04 | 8 | 380 | 1,771 |
| 2018 | 480 | 39 | 27 | 1.04 | 95 | 425 | 1,769 |
| 2019 | 511 | 41 | 29 | 0.98 | 120 | 449 | 1,940 |
| 2020 | 593 | 2 | 9 | 0.33 | 170 | 442 | 2,089 |
| 2021 | 632 | -76 | -75 | -2.69 | 60 | 343 | 1,981 |
| 2022 | 662 | -166 | -154 | -5.86 | -34 | 131 | 2,393 |
| 2023 | 736 | 52 | 45 | 1.73 | 70 | 220 | 2,120 |
| 2024 | 817 | 83 | 62 | 2.01 | 87 | 291 | 2,469 |
| 2025 | 847 | 259 | 196 | 6.32 | 182 | 505 | 2,196 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Heritage Insurance Holdings, Inc. bietet über seine Tochtergesellschaften private und gewerbliche Wohngebäudeversicherungsprodukte an.
| Employees | 542 |
|---|---|
| Headquarters | Tampa, FL |
| Address | 1401 N. Westshore Blvd., 33607 Tampa, United States |
| Phone | 727 362 7200 |
| Website | heritagepci.com |
| IPO Date | 23. May 2014 |
| ISIN | US42727J1025 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Ernesto Jose Garateix CPCU | CEO & Director | 1972 |
| Kirk Howard Lusk | CFO, Company Secretary & Treasurer | 1961 |
| Timothy Michael Moura | President of Narragansett Bay Insurance Company | 1973 |
| Sharon Ann Binnun CPA | Chief Accounting Officer | 1962 |
| Timothy E. Johns | President of Zephyr Insurance Company | 1957 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 20. Apr 2026 | Ernie J Garateix | CEO | Sell | 8,334 | 27.56 | 229,685 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.