Heritage Insurance (HRTG) Stock Price, News & Analysis

Company Overview

Heritage Insurance Holdings, Inc. (NYSE: HRTG) is a property and casualty insurance holding company that offers homeowners insurance and related coverage products in the United States. Through its primary subsidiary, Heritage Property & Casualty Insurance Company, the firm underwrites standard and non-standard personal lines insurance, including homeowners, dwelling fire, flood, and condominium policies. Heritage leverages a network of independent insurance agents to distribute its products across select regional markets, with an emphasis on serving property owners in areas prone to severe weather events.

Founded in 2011 and headquartered in Jupiter, Florida, Heritage Insurance has grown to become one of the leading providers of residential property insurance in the state. The company’s product portfolio includes windstorm and hail protection, personal liability coverage, and endorsements for jewelry, water backup, and other homeowner add-ons. Heritage has also expanded its offerings beyond Florida, writing business in markets along the Gulf and East Coast regions, where demand for specialized coastal risk solutions remains high.

Under the leadership of President and Chief Executive Officer Peter C. Dickinson, Heritage pursues a strategy focused on disciplined underwriting and comprehensive risk management. The company employs catastrophe modeling and resilient building criteria to inform policy terms and pricing, aiming to balance homeowner affordability with long-term financial stability. Heritage’s risk mitigation initiatives include partnerships with building code experts and engineering consultants to support construction practices that minimize storm damage.

Governed by a board of directors with extensive experience in insurance and financial services, Heritage Insurance strives to maintain strong capital reserves and reinsurance arrangements to support claim-paying ability following major weather events. By combining regional expertise, product innovation, and agent relationships, Heritage seeks to deliver targeted property insurance solutions tailored to the unique risk profiles of coastal and inland homeowners.

Key Stats

• Today's Range: $23.26 to $23.77
• 50-Day Range: $18.99 to $24.91
• 52-Week Range: $8.70 to $26.64
• Volume: 100,379 shs
• Average Volume: 362,963 shs
• Market Capitalization: $731.44 million
• P/E Ratio: 6.79
• Dividend Yield: N/A
• Price Target: $29.00
• Consensus Rating: Buy

Heritage Insurance Stock Analysis - MarketRank™

Heritage Insurance scored higher than 84% of companies evaluated by MarketBeat, and ranked 301st out of 936 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: 2.7 / 5
• Analyst Rating: Buy

Consensus Rating

Heritage Insurance has received a consensus rating of Buy. The company's average rating score is 3.33, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Heritage Insurance has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -3.76%

Earnings Growth

Earnings for Heritage Insurance are expected to decrease by -3.76% in the coming year, from $1.86 to $1.79 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Heritage Insurance is 6.75, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 269.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of Heritage Insurance is 6.75, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.20.

Price to Book Value per Share Ratio

Heritage Insurance has a P/B Ratio of 1.89. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

8.05% 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 4.3.

Change versus previous month

Short interest in Heritage Insurance has recently increased by 2.65%, indicating that investor sentiment is decreasing.

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 6.92%. 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 13.41% next year. This indicates that Heritage Insurance will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.9 / 5
• Environmental Score: -0.68

Percentage of Shares Shorted

8.05% 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 4.3.

Change versus previous month

Short interest in Heritage Insurance has recently increased by 2.65%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 1.61

News Sentiment

Heritage Insurance has a news sentiment score of 1.61. 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 is a higher news sentiment than the 1.07 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Heritage Insurance this week, compared to 3 articles on an average week.

Search Interest

5 people have searched for HRTG on MarketBeat in the last 30 days. This is an increase of 150% compared to the previous 30 days.

MarketBeat Follows

7 people have added Heritage Insurance to their MarketBeat watchlist in the last 30 days. This is an increase of 133% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Heritage Insurance insiders have bought more of their company's stock than they have sold. Specifically, they have bought $51,250.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

14.00% of the stock of Heritage Insurance is held by insiders. A high percentage of insider ownership can be a sign of company health.

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.

HRTG Stock Analysis - Frequently Asked Questions

How have HRTG shares performed this year?

Heritage Insurance's stock was trading at $12.10 at the start of the year. Since then, HRTG shares have increased by 93.5% and is now trading at $23.4150.

How were Heritage Insurance's earnings last quarter?

Heritage Insurance Holdings, Inc. (NYSE:HRTG) issued its quarterly earnings data on Tuesday, August, 5th. The insurance provider reported $1.55 earnings per share for the quarter, beating analysts' consensus estimates of $1.03 by $0.52. The insurance provider had revenue of $208.04 million for the quarter, compared to analyst estimates of $212.12 million. Heritage Insurance had a net margin of 12.71% and a trailing twelve-month return on equity of 33.36%.
Read the conference call transcript.

How will Heritage Insurance's stock buyback program work?

Heritage Insurance's Board of Directors authorized a stock buyback program on Monday, December 9th 2024, which permits the company to buy back $10,000,000 in shares, according to EventVestor. This means that the company could buy up to 2.8% of its stock through open market purchases. Stock repurchase programs are usually an indication that the company's board believes its stock is undervalued.

Who are Heritage Insurance's major shareholders?

Top institutional investors of Heritage Insurance include Marshall Wace LLP (3.04%), American Century Companies Inc. (2.57%), Connor Clark & Lunn Investment Management Ltd. (2.09%) and Acadian Asset Management LLC (1.70%). Insiders that own company stock include Raymond T Hyer, Ernie J Garateix, Richard A Widdicombe, Kirk Lusk, Panagiotis Apostolou, Paul L Whiting and Nicholas George Pappas.
View institutional ownership trends.

How do I buy shares of Heritage Insurance?

Shares of HRTG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Heritage Insurance own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Heritage Insurance investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Meta Platforms (META), e.l.f. Beauty (ELF), Adobe (ADBE) and EMCOR Group (EME).

Company Calendar

• Last Earnings: 8/05/2025
• Today: 9/03/2025
• Next Earnings (Estimated): 11/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Insurance
• Current Symbol: NYSE:HRTG
• CIK: 1598665
• Web: www.heritagepci.com
• Phone: (727) 362-7202
• Fax: N/A
• Employees: 650
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Heritage Insurance: $29.00
• High Price Target: $30.00
• Low Price Target: $28.00
• Potential Upside/Downside: +24.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.47
• Trailing P/E Ratio: 6.74
• Forward P/E Ratio: 12.58
• P/E Growth: N/A
• Net Income: $61.54 million
• Net Margins: 12.71%
• Pretax Margin: 16.75%
• Return on Equity: 33.36%
• Return on Assets: 4.46%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 0.82
• Quick Ratio: 0.82

Sales & Book Value

• Annual Sales: $816.98 million
• Price / Sales: 0.89
• Cash Flow: $2.33 per share
• Price / Cash Flow: 10.06
• Book Value: $12.36 per share
• Price / Book: 1.89

Miscellaneous

• Outstanding Shares: 31,020,000
• Free Float: 26,675,000
• Market Cap: $725.56 million
• Optionable: Optionable
• Beta: 1.05