HRTG
VENTE TOTALE: 20 000 titres (~693 025,00 $ US)
- Insiders
- Garateix Ernie J
- Total bought
- —
- Total sold
- $693,025
- Last activity
- 2026-08-24
- Last synced
-
2026-08-30 10:16:45
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-09-06
HRTG exhibits strong underlying fundamentals with impressive margin expansion, low leverage, and solid free cash flow, supported by bullish analyst coverage (Zacks Strong Buy).
The first sentence of the analysis written for HRTG on 2026-09-06 - 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.
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 | -1036.5% | 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
Valuation
Market cap ▲+144.2%EV / Sales ▲+627.8%EV / EBITDA ▲+178.3%EV / Op. cash flow ▲+1.763Earnings yield ▲+0.050Graham number ▲+27.532
Profitability
Return on equity ▲+0.176Return on assets ▲+0.064Return on invested capital ▲+0.181Return on capital employed ▲+0.253Operating ROA ▲+0.075Income quality ▼-0.484Tax burden ▲+0.010
Efficiency
Days sales outstanding ▼-193.610Days payables outstanding ▲+151.272Operating cycle ▼-193.610Cash conversion cycle ▼-344.882Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.047Net debt / EBITDA ▲+1.376Working capital ▲+162751000.000Invested capital ▲+144626000.000Intangibles / Total assets ▲+0.003
Change over 5 years
Valuation
Market cap ▲+452.9%EV / Sales ▲+854.2%EV / EBITDA ▲+115.6%EV / Op. cash flow ▲+3.169Earnings yield ▲+0.673
Profitability
Return on equity ▲+0.605Return on assets ▲+0.127Return on invested capital ▲+0.474Return on capital employed ▲+0.667Operating ROA ▲+0.149Income quality ▲+1.736Tax burden ▼-0.228
Efficiency
Days sales outstanding ▼-17.692Days payables outstanding ▲+164.743Operating cycle ▼-17.692Cash conversion cycle ▼-182.435Capex / Sales ▲+0.008R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.206Net debt / EBITDA ▼-5.121Working capital ▼-335911000.000Invested capital ▼-388512000.000Intangibles / Total assets ▼-0.032
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-26 New Strong Buy Stocks for August 26th BTSG, OPHC, HRTG, UMC and MTG have been added to the Zacks Rank #1 (Strong Buy) List on August 26th, 2026.
- 2026-08-26 Best Value Stocks to Buy for August 26th HRTG, TPC and MTG made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 26th, 2026.
- 2026-08-24 Is Heritage Insurance (HRTG) Stock Undervalued Right Now? 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.
- 2026-08-14 Heritage Insurance (HRTG) Just Flashed Golden Cross Signal: Do You Buy? From a technical perspective, Heritage Insurance Holdings, Inc. (HRTG) is looking like an interesting pick, as it just reached a key level of support. HRTG''s 50-day simple moving average crossed above its 200-day simple moving average, which is known as a "golden cross" in the trading world.
- 2026-08-13 Best Momentum Stocks to Buy for August 13th PARR, DIOD and HRTG made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 13, 2026.
- 2026-08-13 New Strong Buy Stocks for August 13th PARR, DIOD, HRTG, AERO and MQ have been added to the Zacks Rank #1 (Strong Buy) List on August 13, 2026.
- 2026-08-13 Best Value Stocks to Buy for August 13th PARR, HRTG and AERO made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 13, 2026.
- 2026-08-12 Heritage Insurance Holdings, Inc. $HRTG Shares Sold by Assenagon Asset Management S.A. Assenagon Asset Management S.A. lowered its stake in shares of Heritage Insurance Holdings, Inc. (NYSE: HRTG) by 43.0% in the second quarter, according to its most recent 13F filing with the SEC. The fund owned 263,321 shares of the insurance provider''s stock after selling 198,523 shares during the period. Assenagon Asset Management S.A.
- 2026-08-11 Are You Looking for a Top Momentum Pick? Why Heritage Insurance (HRTG) is a Great Choice Does Heritage Insurance (HRTG) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-08-08 Heritage Insurance Q2 Earnings Call Highlights Heritage Insurance NYSE: HRTG reported record second-quarter net income of $61.7 million, or $2.05 per diluted share, as lower weather-related losses, favorable reserve development, higher net premiums earned and increased investment income supported results.