Heritage Insurance (HRTG) Stock Price, News & Analysis

Company Overview

Heritage Insurance Holdings, Inc. (NYSE: HRTG) is a property and casualty insurance holding company focused primarily on residential property insurance. Through its operating subsidiaries, the company provides coverage for homeowners, condominium owners, renters, and other residential property owners, including protection against risks such as wind, storm, fire, and other covered losses.

Heritage has historically concentrated on catastrophe-exposed markets, particularly Florida and other coastal areas of the southeastern United States. Its insurance operations have included Heritage Property & Casualty Insurance Company and other affiliated insurers serving selected regional markets. The company distributes policies through independent agents and other insurance distribution partners.

Founded in 2012, Heritage Insurance has operated in a challenging property-insurance environment shaped by severe weather, reinsurance costs, claims trends, and regulatory changes. Its business is centered on underwriting residential property risks, managing catastrophe exposure, and using reinsurance and other risk-management programs to support its insurance operations.

Key Stats

• Today's Range: $33.89 to $34.47
• 50-Day Range: $29.28 to $35.46
• 52-Week Range: $20.48 to $36.50
• Volume: 245,493 shs
• Average Volume: 284,643 shs
• Market Capitalization: $1.01 billion
• P/E Ratio: 4.85
• Dividend Yield: N/A
• Price Target: $36.50
• Consensus Rating: Buy

Heritage Insurance Stock Analysis - MarketRank™

Heritage Insurance scored higher than 60% of companies evaluated by MarketBeat, and ranked 480th out of 839 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.9 / 5
• Analyst Rating: Buy

Consensus Rating

Heritage Insurance has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 strong buy rating, 3 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Heritage Insurance is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Heritage Insurance has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -3.27%

Earnings Growth

Earnings for Heritage Insurance are expected to decrease by -3.27% in the coming year, from $5.50 to $5.32 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Heritage Insurance is 4.85, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 42.25.

Price to Earnings Ratio vs. Sector

The P/E ratio of Heritage Insurance is 4.85, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.64.

Price to Book Value per Share Ratio

Heritage Insurance has a P/B Ratio of 2.09. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.16% of the float of Heritage Insurance has been sold short.

Short Interest Ratio / Days to Cover

Heritage Insurance has a short interest ratio ("days to cover") of 3.39, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Heritage Insurance has recently increased by 6.53%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Heritage Insurance does not currently pay a dividend.

Dividend Growth

Heritage Insurance does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Heritage Insurance is 3.42%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Heritage Insurance will have a dividend payout ratio of 4.51% next year. This indicates that Heritage Insurance will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.7 / 5
• News Sentiment: N/A

News Sentiment

Heritage Insurance has a news sentiment score of 0.68. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

Search Interest

Only 2 people have searched for HRTG on MarketBeat in the last 30 days. This is a decrease of -60% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Heritage Insurance to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Heritage Insurance insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,578,235.00 in company stock.

Percentage Held by Insiders

9.20% of the stock of Heritage Insurance is held by insiders.

Percentage Held by Institutions

59.03% of the stock of Heritage Insurance is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 8/05/2026
• Today: 10/05/2026
• Next Earnings (Estimated): 11/04/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:HRTG
• CIK: 1598665
• Web: www.heritagepci.com
• Phone: (727) 362-7202
• Fax: N/A
• Employees: 542
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Heritage Insurance: $36.50
• High Price Target: $42.00
• Low Price Target: $31.00
• Potential Upside/Downside: +7.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.02
• Trailing P/E Ratio: 4.85
• Forward P/E Ratio: 6.19
• P/E Growth: N/A
• Net Income: $195.59 million
• Net Margins: 25.19%
• Pretax Margin: 33.64%
• Return on Equity: 42.41%
• Return on Assets: 9.53%

Debt

• Debt-to-Equity Ratio: 0.13
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $781.73 million
• Price / Sales: 1.30
• Cash Flow: $6.75 per share
• Price / Cash Flow: 5.05
• Book Value: $16.34 per share
• Price / Book: 2.09

Miscellaneous

• Outstanding Shares: 29,732,000
• Free Float: 26,997,000
• Market Cap: $1.01 billion
• Optionable: Optionable
• Beta: 0.92