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 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.
34.82%
4.17
60.73%
S&P 500
16.06%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.38%
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
78.73%
ROCE (avg)
0
ROE (avg)
8.85%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
2.19
EV to EBIT
NA
EV to EBITDA
40.95
EV to Capital Employed
-6.24
EV to Sales
0.61
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
38.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
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 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 304.66 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET PROFIT(9M)
Higher at USD 164.87 MM
-2What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at -89.75 %
Here's what is working for Heritage Insurance Holdings, Inc.
Net Profit
At USD 164.87 MM has Grown at 66%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 304.66 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Higher at USD 164.87 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (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.
Debt-Equity Ratio
Highest at -89.75 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
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