HRTG Share Price | Heritage Insurance Holdings, Inc. Stock Analysis & Recommendation

Q: What does Heritage Insurance Holdings, Inc. do?

Overview: Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company that provides personal and commercial residential insurance, operating within the insurance industry and classified as a micro-cap company.Financial Snapshot: Net Profit: 30 Million (Quarterly Results - Mar 2025) Market Cap: USD 972.13 Million (Micro Cap)Key Metrics: P/E: 14.00 Dividend Yield: 0.00% Debt Equity: -999,999.00 Return on Equity: 23.80% Price to Book: 2.95Contact Details: Address: 2600 Mccormick Dr Ste 300, CLEARWATER FL: 33759-1071 Tel: ['1 727 3627202', '1 727 8710206'] Fax: 1 302 6555049 Website: https://www.heritagepci.com/

Q: Is Heritage Insurance Holdings, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for Heritage Insurance Holdings, Inc. moved from attractive to very attractive. The company appears to be undervalued, supported by a P/E ratio of 14, a PEG ratio of 0.23, and a return on equity (ROE) of 23.80%. In comparison to its peers, American Coastal Insurance Corp. has a lower P/E of 6.79, while Universal Insurance Holdings, Inc. has a higher P/E of 16.53, indicating that Heritage may be priced favorably relative to its industry.The company's strong performance is further highlighted by its impressive returns, with a year-to-date return of 110.17% compared to the S&P 500's 12.22%, and a three-year return of 773.88% versus 70.41% for the index, reinforcing the narrative of its undervaluation.

Q: Is Heritage Insurance Holdings, Inc. technically bullish or bearish?

As of 5 September 2025, the technical trend for Heritage Insurance Holdings, Inc. has changed from bullish to mildly bullish. The weekly MACD and Bollinger Bands indicate a bullish stance, while the KST shows a mildly bearish signal on the weekly timeframe. The daily moving averages are bullish, supporting the overall mildly bullish outlook. The Dow Theory reflects a mildly bullish position on the weekly and mildly bearish on the monthly. Heritage Insurance has significantly outperformed the S&P 500 across multiple periods, with a year-to-date return of 110.17% compared to the S&P 500's 12.22%, and a 3-year return of 773.88% versus 70.41%.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

194.71 k

Shareholding (Dec 2025)

FII

11.19%

Held by 69 FIIs

DII

65.02%

Held by 26 DIIs

Promoter

0.00%

How big is Heritage Insurance Holdings, Inc.?

22-Jun-2025

As of Jun 18, Heritage Insurance Holdings, Inc. has a market capitalization of 972.13 million and reported net profit of 77.78 million, with total assets of 1,443.55 million and shareholder's funds of 290.80 million.

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What does Heritage Insurance Holdings, Inc. do?

22-Jun-2025

Heritage Insurance Holdings, Inc. is a micro-cap property and casualty insurance holding company that offers personal and commercial residential insurance. As of March 2025, it reported a net profit of $30 million and has a market cap of $972.13 million.

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Who are in the management team of Heritage Insurance Holdings, Inc.?

22-Jun-2025

As of March 2022, the management team of Heritage Insurance Holdings, Inc. includes Chairman and President Richard Widdicombe, CEO Ernie Garateix, Directors Mark Berset and Steven Martindale, and Independent Directors Panagiotis Apostolou, Irini Barlas, and James Masiello. This team reflects a diverse governance structure with both executive leadership and independent oversight.

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Is Heritage Insurance Holdings, Inc. overvalued or undervalued?

20-Sep-2025

As of July 7, 2025, Heritage Insurance Holdings, Inc. is considered very attractive due to its undervaluation, evidenced by a P/E ratio of 14, a PEG ratio of 0.23, a 23.80% ROE, and impressive returns of 110.17% year-to-date compared to the S&P 500's 12.22%.

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Is Heritage Insurance Holdings, Inc. technically bullish or bearish?

20-Sep-2025

As of September 5, 2025, Heritage Insurance Holdings, Inc. has a mildly bullish technical trend, supported by bullish daily moving averages and strong performance, with a year-to-date return of 110.17% compared to the S&P 500's 12.22%.

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Compare Heritage Insurance Holdings, Inc. with Similar Stocks

Maiden Holdings Ltd.American Coastal Insurance Corp.Greenlight Capital Re Ltd.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Strong Long Term Fundamental Strength with a 0% CAGR growth in Operating Profits

With a growth in Net Profit of 57.59%, the company declared Very Positive results in Jun 25

With ROE of 23.80%, it has a very attractive valuation with a 3.29 Price to Book Value

Consistent Returns over the last 3 years

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

USD 1,222 Million (Micro Cap)

P/E

8.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

34.25%

Price to Book

2.79

Revenue and Profits:

Net Sales:

(Quarterly Results - Dec 2025)

Net Profit:

67 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-11.38%

6 Months

7.23%

1 Year

90.96%

2 Years

155.22%

3 Years

794.58%

4 Years

274.86%

5 Years

137.75%

Heritage Insurance Holdings, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

8.05%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

24.34%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

71.83%

ROCE (avg)

ROE (avg)

8.85%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.79

EV to EBIT

EV to EBITDA

52.42

EV to Capital Employed

-4.00

EV to Sales

0.74

PEG Ratio

0.08

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

34.25%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 54 Schemes (23.79%)

Foreign Institutions

Held by 69 Foreign Institutions (11.19%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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          "val1": "1.70",
          "val2": "1.80",
          "chgp": "-5.56%",
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          "val2": "0.00",
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Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ

Dec'25

Sep'25

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

3.50

3.30

6.06%

Interest

1.70

1.80

-5.56%

Exceptional Items

0.00

Consolidate Net Profit

66.70

50.40

32.34%

Operating Profit Margin (Excl OI)

416.50%

330.30%

8.62%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

Consolidated Net Profit

QoQ Growth in quarter ended Dec 2025 is 32.34% vs 5.00% in Sep 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

12.70

9.60

32.29%

Interest

7.90

10.90

-27.52%

Exceptional Items

0.00

-0.80

100.00%

Consolidate Net Profit

195.60

61.50

218.05%

Operating Profit Margin (Excl OI)

315.30%

115.40%

19.99%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 0.00% vs 0.00% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 218.05% vs 35.76% in Dec 2024

All Annual Results

Company CV

About Heritage Insurance Holdings, Inc.

Heritage Insurance Holdings, Inc.

Insurance

Heritage Insurance Holdings, Inc. (Heritage Insurance) is a property and casualty insurance holding company. The Company provides personal and commercial residential insurance. Through its subsidiary, Heritage Property & Casualty Insurance Company (Heritage P&C), it provides personal residential insurance for single-family homeowners and condominium owners, rental property insurance and commercial residential insurance in the state of Florida and North Carolina. The Company is vertically integrated and controls or manages all aspects of insurance underwriting, customer service, actuarial analysis, distribution and claims processing and adjusting. The Company's primary products are personal and commercial residential insurance, which it offers only in Florida. As of December 31, 2016, it marketed and wrote personal lines voluntary policies through a network of approximately 1,900 independent agents. It had 150,998 voluntary personal residential policies as of December 31, 2016.

Company Coordinates

Company Details

2600 Mccormick Dr Ste 300 , CLEARWATER FL : 33759-1071

Tel: 1 727 36272021 727 8710206

https://www.heritagepci.com/

Registrar Details