Heritage Insurance (HRTG) Stock Price, News & Analysis

Company Overview

Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company headquartered in Florida. Through its insurance subsidiaries, the company provides coverage primarily for residential properties, including homeowners, condominium, and dwelling fire policies, as well as insurance for commercial residential properties.

Heritage serves customers in Florida and a range of other U.S. markets through regional insurance companies, including subsidiaries focused on the Northeast and Hawaii. Its products and availability vary by state.

Founded in 2012, the company has grown through the development and acquisition of insurance operations. Its business focuses on underwriting property risks and distributing coverage through independent agents and other insurance partners.

Key Stats

• Today's Range: $33.49 to $34.21
• 50-Day Range: $33.04 to $37.63
• 52-Week Range: $20.48 to $37.87
• Volume: 178,501 shs
• Average Volume: 337,801 shs
• Market Capitalization: $994.74 million
• P/E Ratio: 4.72
• Dividend Yield: N/A
• Price Target: $37.50
• Consensus Rating: Moderate Buy

Heritage Insurance Stock Analysis - MarketRank™

Heritage Insurance scored higher than 65% of companies evaluated by MarketBeat, and ranked 501st out of 852 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: 3.0 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Heritage Insurance has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Heritage Insurance has a consensus price target of $37.50, representing about 11.3% upside from its current price of $33.69.

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: -15.65%

Earnings Growth

Earnings for Heritage Insurance are expected to decrease by -15.65% in the coming year, from $6.07 to $5.12 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Heritage Insurance is 4.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.53.

Price to Earnings Ratio vs. Sector

The P/E ratio of Heritage Insurance is 4.74, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.93.

Price to Book Value per Share Ratio

Heritage Insurance has a P/B Ratio of 1.67. 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

2.77% 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 3.02, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Heritage Insurance has recently decreased by 4.96%, indicating that investor sentiment is improving.

Dividend

• Score: 0.8 / 5
• Dividend Strength: N/A

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 Sustainability

Based on earnings estimates, Heritage Insurance will have a dividend payout ratio of 4.69% 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: N/A

News Sentiment

Heritage Insurance has a news sentiment score of 0.50. 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 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article 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 150% 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 0% 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 $1,936,915.00 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: 10/28/2026
• Today: 11/12/2026
• 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: $37.50
• High Price Target: $44.00
• Low Price Target: $31.00
• Potential Upside/Downside: +11.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.11
• Trailing P/E Ratio: 4.72
• Forward P/E Ratio: 6.56
• P/E Growth: N/A
• Net Income: $195.59 million
• Net Margins: 25.07%
• Pretax Margin: 33.30%
• Return on Equity: 39.41%
• Return on Assets: 9.67%

Debt

• Debt-to-Equity Ratio: 0.12
• Current Ratio: 0.80
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $847.33 million
• Price / Sales: 1.17
• Cash Flow: $6.74 per share
• Price / Cash Flow: 4.98
• Book Value: $20.22 per share
• Price / Book: 1.66

Miscellaneous

• Outstanding Shares: 29,630,000
• Free Float: 26,906,000
• Market Cap: $994.74 million
• Optionable: Optionable
• Beta: 0.99