Stock Scorecard
Stock Summary for Heritage Insurance Holdings Inc (HRTG) - $23.38 as of 9/3/2025 3:28:46 PM EST
Total Score
16 out of 30
Safety Score
51 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible 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) | 4 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 5 |
| 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) | 9 |
| 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 | 6/30/2025 |
| Next Earnings Date | 11/11/2025 |
Stock Price History |
|
| Last Day Price | 23.38 |
| Price 4 Years Ago | 5.73 |
| Last Day Price Updated | 9/3/2025 3:28:46 PM EST |
| Last Day Volume | 400,716 |
| Average Daily Volume | 418,372 |
| 52-Week High | 26.64 |
| 52-Week Low | 8.70 |
| Last Price to 52 Week Low | 168.74% |
Valuation Measures |
|
| Trailing PE | 6.74 |
| Industry PE | N/A |
| Sector PE | N/A |
| 5-Year Average PE | 1.53 |
| Free Cash Flow Ratio | 1.53 |
| Industry Free Cash Flow Ratio | N/A |
| Sector Free Cash Flow Ratio | N/A |
| Current Ratio Most Recent Quarter | 26.01 |
| Total Cash Per Share | 15.26 |
| Book Value Per Share Most Recent Quarter | 13.07 |
| Price to Book Ratio | 1.89 |
| Industry Price to Book Ratio | N/A |
| Sector Price to Book Ratio | N/A |
| Price to Sales Ratio Twelve Trailing Months | 0.86 |
| Industry Price to Sales Ratio Twelve Trailing Months | N/A |
| Sector Price to Sales Ratio Twelve Trailing Months | N/A |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 31,017,600 |
| Market Capitalization | 725,191,488 |
| Institutional Ownership | 60.99% |
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 | 153.90% |
| Annual Earnings Growth | 35.83% |
| Reported EPS 12 Trailing Months | 3.47 |
| Reported EPS Past Year | 2.54 |
| Reported EPS Prior Year | 2.01 |
| Net Income Twelve Trailing Months | 106,943,000 |
| Net Income Past Year | 61,539,000 |
| Net Income Prior Year | 45,307,000 |
| Quarterly Revenue Growth YOY | 2.20% |
| 5-Year Revenue Growth | 9.85% |
| Operating Margin Twelve Trailing Months | 31.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 473,465,000 |
| Total Cash Past Year | 452,666,000 |
| Total Cash Prior Year | 463,640,000 |
| Net Cash Position Most Recent Quarter | 456,479,000 |
| Net Cash Position Past Year | 416,472,000 |
| Long Term Debt Past Year | 36,194,000 |
| Long Term Debt Prior Year | 30,107,000 |
| Total Debt Most Recent Quarter | 16,986,000 |
| Equity to Debt Ratio Past Year | 0.89 |
| Equity to Debt Ratio Most Recent Quarter | 0.96 |
| Total Stockholder Equity Past Year | 290,799,000 |
| Total Stockholder Equity Prior Year | 220,280,000 |
| Total Stockholder Equity Most Recent Quarter | 383,302,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -34,200,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -1.10 |
| Free Cash Flow Past Year | 78,865,000 |
| Free Cash Flow Prior Year | 60,525,000 |
Options |
|
| Put/Call Ratio | 0.21 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.15 |
| MACD Signal | 0.05 |
| 20-Day Bollinger Lower Band | 18.38 |
| 20-Day Bollinger Middle Band | 22.25 |
| 20-Day Bollinger Upper Band | 26.12 |
| Beta | 1.06 |
| RSI | 54.45 |
| 50-Day SMA | 16.08 |
| 150-Day SMA | 9.19 |
| 200-Day SMA | 8.04 |
System |
|
| Modified | 9/4/2025 1:34:15 AM EST |