Stock Scorecard
Stock Summary for Heritage Insurance Holdings Inc (HRTG) - $27.97 as of 4/24/2026 1:24:16 PM EST
Total Score
20 out of 30
Safety Score
51 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy
Growth List Algorithm Criteria for HRTG
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for HRTG
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for HRTG
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for HRTG
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for HRTG (51 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 2 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 10 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for HRTG
Financial Details for HRTG
Company Overview |
|
|---|---|
| Ticker | HRTG |
| Company Name | Heritage Insurance Holdings Inc |
| Country | USA |
| Description | Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | INSURANCE - PROPERTY & CASUALTY |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 5/5/2026 |
Stock Price History |
|
| Last Day Price | 27.97 |
| Price 4 Years Ago | 1.80 |
| Last Day Price Updated | 4/24/2026 1:24:16 PM EST |
| Last Day Volume | 368,330 |
| Average Daily Volume | 277,006 |
| 52-Week High | 31.98 |
| 52-Week Low | 16.82 |
| Last Price to 52 Week Low | 66.29% |
Valuation Measures |
|
| Trailing PE | 4.43 |
| Industry PE | 13.69 |
| Sector PE | 18.68 |
| 5-Year Average PE | 2.74 |
| Free Cash Flow Ratio | 1.54 |
| Industry Free Cash Flow Ratio | 19.64 |
| Sector Free Cash Flow Ratio | 25.81 |
| Current Ratio Most Recent Quarter | 152.87 |
| Total Cash Per Share | 18.21 |
| Book Value Per Share Most Recent Quarter | 17.21 |
| Price to Book Ratio | 1.70 |
| Industry Price to Book Ratio | 1.81 |
| Sector Price to Book Ratio | 1.72 |
| Price to Sales Ratio Twelve Trailing Months | 1.01 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.42 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.01 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 30,720,900 |
| Market Capitalization | 859,263,573 |
| Institutional Ownership | 66.45% |
Dividends |
|
| Ex-Dividend Date | 6/13/2022 |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.24 |
| Forward Annual Dividend Yield | 2.03% |
| 5-Year Dividend Payments Count | 10 |
| 3-Year Average Dividend Yield | 5.37% |
| 5-Year Average Dividend Yield | 3.73% |
| 1-Year Dividend Growth Rate Percentage | 100.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 13.32% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 226.00% |
| Annual Earnings Growth | 217.84% |
| Reported EPS 12 Trailing Months | 6.32 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 6.32 |
| Net Income Twelve Trailing Months | 195,594,000 |
| Net Income Past Year | 195,594,000 |
| Net Income Prior Year | 61,539,000 |
| Quarterly Revenue Growth YOY | 2.40% |
| 5-Year Revenue Growth | 7.38% |
| Operating Margin Twelve Trailing Months | 41.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 559,274,000 |
| Total Cash Past Year | 559,274,000 |
| Total Cash Prior Year | 452,666,000 |
| Net Cash Position Most Recent Quarter | 554,909,000 |
| Net Cash Position Past Year | 554,909,000 |
| Long Term Debt Past Year | 4,365,000 |
| Long Term Debt Prior Year | 36,194,000 |
| Total Debt Most Recent Quarter | 4,365,000 |
| Equity to Debt Ratio Past Year | 0.99 |
| Equity to Debt Ratio Most Recent Quarter | 0.99 |
| Total Stockholder Equity Past Year | 505,251,000 |
| Total Stockholder Equity Prior Year | 290,799,000 |
| Total Stockholder Equity Most Recent Quarter | 505,251,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 169,249,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 5.51 |
| Free Cash Flow Past Year | 174,164,000 |
| Free Cash Flow Prior Year | 78,865,000 |
Options |
|
| Put/Call Ratio | 0.51 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.95 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 4/25/2026 12:57:17 AM EST |