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Heritage Insurance Holdings, Inc.

  • Market Cap: Micro Cap
  • Industry: Insurance
  • ISIN: US42727J1025
USD
26.54
2.94 (12.46%)

Feb 06

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

26.1427.35

52 Week

9.8931.98
Valuation
Technical
Day's Volume

CASH

331.93 k

Shareholding (Sep 2025)

FII

11.33%

Held by 50 FIIs

DII

65.95%

Held by 25 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.

As of Jun 18, Heritage Insurance Holdings, Inc. has a market capitalization of 972.13 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported net sales of 0.00 million for the latest four quarters, while the net profit for the same period was 77.78 million.<BR><BR>As of Dec 24, the company had shareholder's funds amounting to 290.80 million and total assets of 1,443.55 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.

Overview: <BR>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.<BR><BR>Financial Snapshot: <BR>Net Profit: 30 Million (Quarterly Results - Mar 2025) <BR>Market Cap: USD 972.13 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 14.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 23.80% <BR>Price to Book: 2.95<BR><BR>Contact Details: <BR>Address: 2600 Mccormick Dr Ste 300, CLEARWATER FL: 33759-1071 <BR>Tel: ['1 727 3627202', '1 727 8710206'] <BR>Fax: 1 302 6555049 <BR>Website: https://www.heritagepci.com/

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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.

As of March 2022, the management team of Heritage Insurance Holdings, Inc. includes the following individuals:<BR><BR>- Mr. Richard Widdicombe, who serves as the Chairman of the Board and President.<BR>- Mr. Ernie Garateix, who is the Chief Executive Officer and a Director.<BR>- Mr. Mark Berset, who holds the position of Director.<BR>- Mr. Steven Martindale, also a Director.<BR>- Mr. Panagiotis Apostolou, serving as an Independent Director.<BR>- Ms. Irini Barlas, who is another Independent Director.<BR>- Mr. James Masiello, who is also an Independent Director.<BR><BR>In summary, the management team comprises a mix of executive leadership and independent directors, highlighting a diverse governance structure.

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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%.

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.<BR><BR>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.

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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%.

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. <BR><BR>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%.

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Compare Heritage Insurance Holdings, Inc. with Similar Stocks

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iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard

1

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

 
2

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

3

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

4

Consistent Returns over the last 3 years

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Insurance

stock-summary
Market cap

USD 802 Million (Micro Cap)

stock-summary
P/E

14.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

34.25%

stock-summary
Price to Book

1.83

Revenue and Profits:
Net Sales:
(Quarterly Results - Sep 2025)
Net Profit:
50 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
134.87%
0%
134.87%
6 Months
115.42%
0%
115.42%
1 Year
225.64%
0%
225.64%
2 Years
470.75%
0%
470.75%
3 Years
635.18%
0%
635.18%
4 Years
201.59%
0%
201.59%
5 Years
108.65%
0%
108.65%

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

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
9.35%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
24.34%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
73.97%
ROCE (avg)
0
ROE (avg)
8.85%

Valuation key factors

Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
3.29
EV to EBIT
NA
EV to EBITDA
61.25
EV to Capital Employed
-4.87
EV to Sales
0.75
PEG Ratio
0.23
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
23.80%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Sep 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 53 Schemes (22.72%)

Foreign Institutions

Held by 50 Foreign Institutions (11.33%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Sep'25 - QoQ",
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        "prefix": "Consolidated Net Profit ",
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        "Jun'25",
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          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "3.30",
          "val2": "3.00",
          "chgp": "10.00%",
          "chgp_class": "positive"
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          "field": "Interest",
          "val1": "1.80",
          "val2": "1.90",
          "chgp": "-5.26%",
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          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "50.40",
          "val2": "48.00",
          "chgp": "5.00%",
          "chgp_class": "positive"
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          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "311.80%",
          "chgp": "1.85%",
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 35.76% vs 129.34% in Dec 2023",
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        "Dec'24",
        "Dec'23",
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          "val2": "-3.00",
          "chgp": "73.33%",
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Quarterly Results Snapshot (Consolidated) - Sep'25 - QoQstock-summary

Sep'25
Jun'25
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
3.30
3.00
10.00%
Interest
1.80
1.90
-5.26%
Exceptional Items
0.00
0.00
Consolidate Net Profit
50.40
48.00
5.00%
Operating Profit Margin (Excl OI)
330.30%
311.80%
1.85%
USD in Million.
stock-summary Compare with Peers
Net Sales

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

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Sep 2025 is 5.00% vs 57.38% in Jun 2025

All Quarterly Resultsstock-summary

Annual Results Snapshot (Consolidated) - Dec'24stock-summary

Dec'24
Dec'23
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
9.60
8.70
10.34%
Interest
10.90
11.20
-2.68%
Exceptional Items
-0.80
-3.00
73.33%
Consolidate Net Profit
61.50
45.30
35.76%
Operating Profit Margin (Excl OI)
115.40%
89.80%
2.56%
USD in Million.
stock-summary Compare with Peers
Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 35.76% vs 129.34% in Dec 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Heritage Insurance Holdings, Inc. stock-summary
stock-summary
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 stock-summary
Company Details
2600 Mccormick Dr Ste 300 , CLEARWATER FL : 33759-1071
stock-summary
Tel: 1 727 36272021 727 8710206
stock-summary
https://www.heritagepci.com/
stock-summary
Registrar Details
Stock List
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