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: $20.98 to $24.60
• 50-Day Range: $25.21 to $30.38
• 52-Week Range: $16.83 to $31.98
• Volume: 1.79 million shs
• Average Volume: 328,251 shs
• Market Capitalization: $676.96 million
• P/E Ratio: 3.53
• Dividend Yield: N/A
• Price Target: $39.00
• Consensus Rating: Buy

Heritage Insurance Stock Analysis - MarketRank™

Heritage Insurance scored higher than 95% of companies evaluated by MarketBeat, and ranked 211th out of 878 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: 4.3 / 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, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Heritage Insurance has a consensus price target of $39.00, representing about 74.8% upside from its current price of $22.31.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 7.02%

Earnings Growth

Earnings for Heritage Insurance are expected to grow by 7.02% in the coming year, from $4.70 to $5.03 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Heritage Insurance is 3.53, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of Heritage Insurance is 3.53, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.18.

Price to Book Value per Share Ratio

Heritage Insurance has a P/B Ratio of 1.37. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.96% 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 4.14.

Change versus previous month

Short interest in Heritage Insurance has recently decreased by 29.24%, indicating that investor sentiment is improving 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 3.80%. 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 4.77% next year. This indicates that Heritage Insurance will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: -0.45

News Sentiment

Heritage Insurance has a news sentiment score of -0.45. 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 lower news sentiment than the 0.68 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 11 news articles for Heritage Insurance this week, compared to 2 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 67% compared to the previous 30 days.

MarketBeat Follows

2 people have added Heritage Insurance to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.0 / 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 $3,446,606.00 in company stock.

Percentage Held by Insiders

15.20% 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.

Company Calendar

• Last Earnings: 5/07/2026
• Today: 5/08/2026
• Fiscal Year End: 12/31/2026

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: $39.00
• High Price Target: $39.00
• Low Price Target: $39.00
• Potential Upside/Downside: +74.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.32
• Trailing P/E Ratio: 3.53
• Forward P/E Ratio: 4.75
• P/E Growth: N/A
• Net Income: $195.59 million
• Net Margins: 23.08%
• Pretax Margin: 30.60%
• Return on Equity: 47.28%
• Return on Assets: 8.40%

Debt

• Debt-to-Equity Ratio: 0.16
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $774.43 million
• Price / Sales: 0.87
• Cash Flow: $5.22 per share
• Price / Cash Flow: 4.27
• Book Value: $16.34 per share
• Price / Book: 1.37

Miscellaneous

• Outstanding Shares: 30,350,000
• Free Float: 25,737,000
• Market Cap: $676.96 million
• Optionable: Optionable
• Beta: 1.03