ScoreComparison
Why is Heritage Insurance Holdings, Inc. ?
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
- The company has declared positive results for the last 6 consecutive quarters
- ROCE(HY) Highest at 33.49%
- INTEREST COVERAGE RATIO(Q) Highest at 158.35
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
3
With ROE of 23.80%, it has a very attractive valuation with a 3.29 Price to Book Value
- Over the past year, while the stock has generated a return of 128.86%, its profits have risen by 63% ; the PEG ratio of the company is 0.2
4
Consistent Returns over the last 3 years
- Along with generating 128.86% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Heritage Insurance Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Heritage Insurance Holdings, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Heritage Insurance Holdings, Inc.
90.96%
4.17
60.73%
S&P 500
13.68%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.05%
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
71.83%
ROCE (avg)
0
ROE (avg)
8.85%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
2.79
EV to EBIT
NA
EV to EBITDA
52.42
EV to Capital Employed
-4.00
EV to Sales
0.74
PEG Ratio
0.08
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
34.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend31What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 178.49
ROCE(HY)
Highest at 41.64%
OPERATING PROFIT(Q)
Highest at USD 70.17 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.03 %
PRE-TAX PROFIT(Q)
Highest at USD 68.32 MM
NET PROFIT(Q)
Highest at USD 50.42 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at USD 212.46 MM
EPS(Q)
Highest at USD 1.63
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Heritage Insurance Holdings, Inc.
Interest Coverage Ratio
Highest at 178.49 and Grown
In each period in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Operating Profit
Highest at USD 70.17 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.03 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 68.32 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 68.32 MM has Grown at 92.85%
over average net sales of the previous four periods of USD 35.42 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 50.42 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
At USD 50.42 MM has Grown at 87.67%
over average net sales of the previous four periods of USD 26.87 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 212.46 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 1.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 3.3 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
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