HRTG
Neutral signalScored 2026-10-23 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Heritage Insurance Holdings, Inc.
- Nom
- Heritage Insurance Holdings, Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NYSE
- Capitalisation
- $1.1B
- Employés
- 542
- PDG
- Ernesto Jose Garateix
- Site web
- https://investors.heritagepci.com
- Marché
- ACICAMALASICBOWDGICASAFT
Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The company also holds a licensing credential in the state of Pennsylvania. Beyond its core insurance offerings, Heritage Insurance Holdings, Inc. also delivers various supplementary services, such as restoration, emergency and recovery operations, property management, and reinsurance services. The distribution of its personal line policies is facilitated through diverse channels, including a network of retail independent agents, wholesale agents, and a dedicated partnership with a direct agency. Furthermore, its market reach indirectly extends to approximately 1,500 retail locations via eight distinct wholesale agency relationships. Both personal and commercial insurance policies are also offered through a network comprising around 70 independent agencies. Established in 2012, Heritage Insurance Holdings, Inc. is headquartered in Tampa, Florida.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 25 000 titres (~868 910,00 $ US)
- Insiders
- Garateix Ernie J
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$2,876,581
Avg sell (VWAP, 90d window) $33.62 vs last close $37.10 (+10.4%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$827,723 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-14
- Liquidity
- Thin $8,673,663/day · 20d vol
- Last synced
-
2026-10-26 21:10:33
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-19 | JOHNS TIMOTHY E | Sell · S | 3,500 | $35.91 | $125,686 | Form 4 |
| 2026-09-18 | JOHNS TIMOTHY E | Sell · S · 10b5-1 | 3,500 | $34.74 | $121,579 | Form 4 |
| 2026-09-14 | Garateix Ernie J | Sell · S | 2,500 | $35.25 | $88,135 | Form 4 |
| 2026-09-09 | Binnun Sharon | Sell · S | 6,565 | $33.81 | $221,995 | Form 4 |
| 2026-09-03 | Garateix Ernie J | Sell · S | 2,500 | $35.10 | $87,750 | Form 4 |
| 2026-09-01 | Binnun Sharon | Sell · S · 10b5-1 | 9,200 | $33.91 | $311,994 | Form 4 |
| 2026-08-24 | Garateix Ernie J | Sell · S | 10,000 | $34.88 | $348,750 | Form 4 |
| 2026-08-19 | JOHNS TIMOTHY E | Sell · S · 10b5-1 | 3,500 | $33.68 | $117,864 | Form 4 |
| 2026-08-18 | Garateix Ernie J | Sell · S | 5,000 | $34.55 | $172,725 | Form 4 |
| 2026-08-17 | Garateix Ernie J | Sell · S | 5,000 | $34.31 | $171,550 | Form 4 |
| 2026-08-17 | Lusk Kirk | Sell · S | 10,000 | $34.16 | $341,587 | Form 4 |
| 2026-08-10 | Moura Timothy | Sell · S | 15,104 | $32.49 | $490,681 | Form 4 |
| 2026-08-03 | Binnun Sharon | Sell · S · 10b5-1 | 9,200 | $30.03 | $276,285 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-23 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
HRTG presents a compelling financial turnaround story with strong profitability (23% net margin) and robust cash flow, supported by high liquidity (75) and fundamental trend (92) scores.
The first sentence of the analysis written for HRTG on 2026-10-23 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Supports a bullish reading. Interesting trend — weekly bias up
- Financial indicators Unavailable or mixed. Current ratio 0.86 · operating margin 31% — readings disagree
Suggested stop 34.03, nearest stored support minus 0.5 ATR(8.3% under the last close). Research, not advice. Not an order.
Recent news
- 2026-10-21 Analysts Estimate Heritage Insurance (HRTG) to Report a Decline in Earnings: What to Look Out for Heritage Insurance (HRTG) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-21 Heritage Insurance (NYSE:HRTG) Hits New 52-Week High – Time to Buy? Heritage Insurance Holdings, Inc. (NYSE: HRTG - Get Free Report)''s share price reached a new 52-week high during trading on Wednesday. The stock traded as high as $37.36 and last traded at $36.9340, with a volume of 229,626 shares. The stock had previously closed at $35.93. Analysts Set New Price Targets Several research firms recently commented
- 2026-10-19 Heritage Announces Third Quarter 2026 Earnings Dates TAMPA, Fla., Oct. 19, 2026 /PRNewswire/ -- Heritage Insurance Holdings, Inc. (NYSE: HRTG) ("Heritage" or the "Company"), a super-regional property and casualty insurance holding company, will announce its third quarter 2026 financial results after the market close on Wednesday, October 28, 2026, followed by a 9:00am ET conference call on Thursday, October 29, 2026.
- 2026-10-14 Heritage Insurance (NYSE:HRTG) Stock Price Crosses Above 50-Day Moving Average – Here’s What Happened Heritage Insurance Holdings, Inc. (NYSE: HRTG - Get Free Report) passed above its fifty day moving average during trading on Tuesday. The stock has a fifty day moving average of $33.97 and traded as high as $36.35. Heritage Insurance shares last traded at $36.27, with a volume of 226,709 shares trading hands. Analyst Ratings Changes A
- 2026-09-28 Heritage Insurance Holdings, Inc. (NYSE:HRTG) Stock Has Consensus Price Target of $36.50 Heritage Insurance Holdings, Inc. (NYSE: HRTG - Get Free Report) has earned a consensus rating of "Buy" from the five analysts that are currently covering the firm, Marketbeat Ratings reports. One equities research analyst has rated the stock with a hold recommendation, three have assigned a buy recommendation and one has assigned a strong buy recommendation
- 2026-09-28 Bank of America Corp DE Makes New $6.07 Million Investment in Heritage Insurance Holdings, Inc. $HRTG Bank of America Corp DE bought a new stake in Heritage Insurance Holdings, Inc. (NYSE: HRTG) in the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The institutional investor bought 232,737 shares of the insurance provider''s stock, valued at approximately $6,070,000. Bank of America Corp DE
- 2026-09-26 Heritage Insurance Sees Growth Ahead as Margins Improve and Reinsurance Costs Fall Heritage Insurance NYSE: HRTG outlined a controlled-growth strategy after reporting improved second-quarter profitability, citing rate adequacy, lower reinsurance costs, geographic diversification and a strengthened balance sheet.
- 2026-09-25 Should Value Investors Buy Heritage Insurance (HRTG) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-09-24 New Strong Buy Stocks for September 24th BMY, HRTG, RDVT, NMR and ECO have been added to the Zacks Rank #1 (Strong Buy) List on September 24th, 2026.
- 2026-09-24 Best Value Stocks to Buy for September 24th HRTG, WCC and MNTK made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 24th, 2026.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 63.0% | 21.9% | 19.3% | 0.8% | 9.2% | |
| Ebit Margin | 31.5% | 11.5% | 8.6% | -23.8% | -10.8% | |
| Ebitda Margin | 33.0% | 12.6% | 9.8% | -22.5% | -9.4% | |
| Operating Profit Margin | 30.6% | 10.1% | 7.1% | -25.1% | -12.0% | |
| Pretax Profit Margin | 30.6% | 10.1% | 7.1% | -25.1% | -12.0% | |
| Continuous Operations Profit Margin | 23.1% | 7.5% | 6.2% | -23.3% | -11.8% | |
| Net Profit Margin | 23.1% | 7.5% | 6.2% | -23.3% | -11.8% | |
| Bottom Line Profit Margin | 23.1% | 7.5% | 6.2% | -23.3% | -11.8% | |
| Current Ratio | 0.859 | 0.812 | 0.775 | 0.737 | 1.065 | |
| Quick Ratio | 0.859 | 0.812 | 0.775 | 0.737 | 1.065 | |
| Solvency Ratio | 0.123 | 0.033 | 0.028 | -0.065 | -0.040 | |
| Cash Ratio | 0.336 | 0.214 | 0.247 | 0.128 | 0.231 | |
| Price To Earnings Ratio | 4.622 | 6.020 | 3.769 | -0.307 | -2.186 | |
| Price To Earnings Growth Ratio | 0.022 | 0.372 | -0.029 | -0.003 | 0.002 | |
| Forward Price To Earnings Growth Ratio | 0.022 | 0.372 | -0.029 | -0.003 | 0.002 | |
| Price To Earnings Diluted Ratio | 4.630 | 6.020 | 3.769 | -0.307 | -2.186 | |
| Price To Earnings Diluted Growth Ratio | 0.022 | 0.372 | -0.029 | -0.003 | 0.002 | |
| Price To Book Ratio | 1.789 | 1.273 | 0.775 | 0.362 | 0.477 | |
| Price To Sales Ratio | 1.067 | 0.453 | 0.232 | 0.072 | 0.259 | |
| Price To Free Cash Flow Ratio | 5.190 | 4.694 | 2.822 | -1.017 | 2.765 | |
| Price To Operating Cash Flow Ratio | 4.960 | 4.251 | 2.425 | -1.384 | 2.719 | |
| Debt To Assets Ratio | 0.045 | 0.057 | 0.070 | 0.067 | 0.077 | |
| Debt To Equity Ratio | 0.198 | 0.486 | 0.673 | 1.222 | 0.443 | |
| Debt To Capital Ratio | 0.165 | 0.327 | 0.402 | 0.550 | 0.307 | |
| Long Term Debt To Capital Ratio | 0.009 | 0.111 | 0.120 | 0.185 | 0.131 | |
| Financial Leverage Ratio | 4.346 | 8.490 | 9.622 | 18.259 | 5.774 | |
| Working Capital Turnover Ratio | -2.683 | -1.997 | -1.472 | -2.779 | 12.446 | |
| Operating Cash Flow Ratio | 0.109 | 0.041 | 0.038 | -0.016 | 0.039 | |
| Operating Cash Flow Sales Ratio | 0.215 | 0.107 | 0.096 | -0.052 | 0.095 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.956 | 0.906 | 0.860 | 1.361 | 0.983 | |
| Debt Service Coverage Ratio | 2.638 | 0.901 | 0.647 | -1.271 | -0.756 | |
| Interest Coverage Ratio | 32.872 | 7.561 | 4.639 | -18.864 | -9.540 | |
| Short Term Operating Cash Flow Coverage Ratio | 2.461 | 1.087 | 0.786 | -0.346 | 0.870 | |
| Operating Cash Flow Coverage Ratio | 1.826 | 0.616 | 0.475 | -0.214 | 0.396 | |
| Capital Expenditure Coverage Ratio | 22.571 | 10.583 | 7.120 | -2.767 | 59.712 | |
| Dividend Paid And Capex Coverage Ratio | 22.571 | 10.514 | 7.112 | -1.997 | 7.793 | |
| Dividend Payout Ratio | 0.000 | 0.001 | 0.000 | -0.031 | -0.090 | |
| Enterprise Value Multiple | 1.588 | 0.571 | -2.012 | 0.492 | 0.737 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 63.0% | ▲41.1% | ▲40.2% |
| Ebit Margin | 31.5% | ▲20.1% | ▲28.1% |
| Ebitda Margin | 33.0% | ▲20.4% | ▲28.3% |
| Operating Profit Margin | 30.6% | ▲20.5% | ▲28.5% |
| Pretax Profit Margin | 30.6% | ▲20.5% | ▲28.5% |
| Continuous Operations Profit Margin | 23.1% | ▲15.6% | ▲22.8% |
| Net Profit Margin | 23.1% | ▲15.6% | ▲22.8% |
| Bottom Line Profit Margin | 23.1% | ▲15.6% | ▲22.8% |
| Current Ratio | 0.859 | ▲0.047 | ▲0.009 |
| Quick Ratio | 0.859 | ▲0.047 | ▲0.009 |
| Solvency Ratio | 0.123 | ▲0.091 | ▲0.107 |
| Cash Ratio | 0.336 | ▲0.122 | ▲0.105 |
| Price To Earnings Ratio | 4.622 | ▼-1.397 | ▲2.239 |
| Price To Earnings Growth Ratio | 0.021 | ▼-0.350 | ▼-0.051 |
| Forward Price To Earnings Growth Ratio | 0.021 | ▼-0.350 | ▼-0.051 |
| Price To Earnings Diluted Ratio | 4.630 | ▼-1.390 | ▲2.245 |
| Price To Earnings Diluted Growth Ratio | 0.022 | ▼-0.350 | ▼-0.051 |
| Price To Book Ratio | 1.789 | ▲0.516 | ▲0.854 |
| Price To Sales Ratio | 1.067 | ▲0.614 | ▲0.650 |
| Price To Free Cash Flow Ratio | 5.190 | ▲0.496 | ▲2.299 |
| Price To Operating Cash Flow Ratio | 4.960 | ▲0.709 | ▲2.366 |
| Debt To Assets Ratio | 0.045 | ▼-0.012 | ▼-0.018 |
| Debt To Equity Ratio | 0.198 | ▼-0.288 | ▼-0.407 |
| Debt To Capital Ratio | 0.165 | ▼-0.162 | ▼-0.185 |
| Long Term Debt To Capital Ratio | 0.009 | ▼-0.102 | ▼-0.103 |
| Financial Leverage Ratio | 4.346 | ▼-4.144 | ▼-4.952 |
| Working Capital Turnover Ratio | -2.683 | ▼-0.686 | ▼-3.386 |
| Operating Cash Flow Ratio | 0.110 | ▲0.068 | ▲0.067 |
| Operating Cash Flow Sales Ratio | 0.215 | ▲0.108 | ▲0.123 |
| Free Cash Flow Operating Cash Flow Ratio | 0.956 | ▲0.050 | ▼-0.057 |
| Debt Service Coverage Ratio | 2.638 | ▲1.737 | ▲2.206 |
| Interest Coverage Ratio | 32.872 | ▲25.311 | ▲29.538 |
| Short Term Operating Cash Flow Coverage Ratio | 2.461 | ▲1.374 | ▲1.489 |
| Operating Cash Flow Coverage Ratio | 1.826 | ▲1.210 | ▲1.206 |
| Capital Expenditure Coverage Ratio | 22.571 | ▲11.988 | ▲3.127 |
| Dividend Paid And Capex Coverage Ratio | 22.571 | ▲12.057 | ▲13.373 |
| Dividend Payout Ratio | 0.000 | ▼-0.001 | ▲0.024 |
| Enterprise Value Multiple | 1.588 | ▲1.017 | ▲1.313 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $903.9M | $370.2M | $170.8M | $47.4M | $163.5M | |
| Enterprise value | $444.4M | $58.9M | -$144.7M | -$73.3M | -$43.9M | |
| EV / Sales | 0.52x | 0.07x | -0.20x | -0.11x | -0.07x | |
| EV / Op. cash flow | 2.44x | 0.68x | -2.05x | 2.14x | -0.73x | |
| EV / Free cash flow | 2.55x | 0.75x | -2.39x | 1.57x | -0.74x | |
| EV / EBITDA | 1.59x | 0.57x | -2.01x | 0.49x | 0.74x | |
| Net debt / EBITDA | -1.64x | -3.02x | -4.39x | 0.81x | 3.48x | |
| Current ratio | 0.86x | 0.81x | 0.78x | 0.74x | 1.06x | |
| Income quality | 0.93x | 1.42x | 1.55x | 0.22x | -0.81x | |
| Graham number | $48 | $21 | $18 | — | — | |
| Graham net-net | -$23 | -$33 | -$34 | -$45 | -$12 | |
| Tax burden | 75.4% | 74.4% | 87.1% | 92.9% | 98.3% | |
| Interest burden | 97.0% | 88.3% | 82.3% | 105.6% | 111.7% | |
| Working capital | -$234.4M | -$397.2M | -$421.2M | -$578.3M | $101.5M | |
| Invested capital | -$94.0M | -$238.6M | -$251.7M | -$375.9M | $294.6M | |
| Return on assets | 8.9% | 2.5% | 2.1% | -6.5% | -3.8% | |
| Operating ROA | 11.1% | 3.6% | 2.3% | -7.6% | -3.7% | |
| Return on tangible assets | 9.3% | 2.6% | 2.3% | -6.9% | -4.1% | |
| Return on equity | 38.7% | 21.2% | 20.6% | -117.8% | -21.8% | |
| Return on invested capital | 32.3% | 14.2% | 13.5% | -53.0% | -15.1% | |
| Return on capital employed | 48.8% | 23.5% | 21.2% | -86.4% | -17.8% | |
| Earnings yield | 21.6% | 16.6% | 26.5% | -325.5% | -45.7% | |
| Free cash flow yield | 19.3% | 21.3% | 35.4% | -98.4% | 36.2% | |
| Capex / Op. cash flow | 4.4% | 9.4% | 14.0% | -36.1% | 1.7% | |
| Capex / Depreciation | 63.6% | 86.2% | 113.8% | 148.1% | 11.9% | |
| Capex / Sales | 1.0% | 1.0% | 1.3% | 1.9% | 0.2% | |
| SG&A / Sales | 11.0% | 10.4% | 10.6% | 10.6% | 10.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.4% | 0.2% | 0.3% | 0.2% | |
| Intangibles / Total assets | 4.3% | 4.0% | 5.3% | 6.2% | 7.5% | |
| Days sales outstanding | 186d | 380d | 293d | 503d | 204d | |
| Days payables outstanding | 293d | 142d | 108d | 121d | 128d | |
| Operating cycle | 186d | 380d | 293d | 503d | 204d | |
| Cash conversion cycle | -107d | 238d | 185d | 383d | 76d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years