Heritage Insurance Holdings, Inc. (HRTG) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

HCI Group, Inc.

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Heritage Insurance Holdings, Inc.

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Lemonade, Inc.

Global Indemnity Group LLC

Maiden Holdings Ltd.

Why is Heritage Insurance Holdings, Inc. ?

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

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)

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

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 Report

Verdict Report

How much should you hold?

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.

12.36%

4.17

60.73%

S&P 500

20.78%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.38%

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

78.73%

ROCE (avg)

ROE (avg)

8.85%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.19

EV to EBIT

EV to EBITDA

40.95

EV to Capital Employed

-6.24

EV to Sales

0.61

PEG Ratio

0.03

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

38.71%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Sideways

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bullish

No Trend

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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 206.26 MM

NET PROFIT(HY)

At USD 103.16 MM has Grown at 101.1%

ROCE(HY)

Highest at 47.47%

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-3What is not working for the Company

DEBT-EQUITY RATIO (HY)

Highest at -83.45 %

PRE-TAX PROFIT(Q)

At USD 49.04 MM has Fallen at -24.34%

NET PROFIT(Q)

At USD 36.48 MM has Fallen at -25.39%

Here's what is working for Heritage Insurance Holdings, Inc.

Operating Cash Flow

Highest at USD 206.26 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

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

Here's what is not working for Heritage Insurance Holdings, Inc.

Pre-Tax Profit

At USD 49.04 MM has Fallen at -24.34%

over average net sales of the previous four periods of USD 64.82 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 36.48 MM has Fallen at -25.39%

over average net sales of the previous four periods of USD 48.9 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

Debt-Equity Ratio

Highest at -83.45 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio