Financial Services
Heritage Insurance Holdings, Inc.(HRTG)
Live Price
Offline$23.27
+0.43% today
1Y Change
+3.43%
Window
Jun 26, 2025 โ Jun 22, 2026
- Market Cap
- $900.00M
- Revenue Growth
- +3.7%
- EPS Growth
- +214.9%
- Dividend Yield
- 0.0%
Coverage: 247 bars ยท Jun 26, 2025 โ Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Heritage Insurance Holdings, Inc. (HRTG) is a Financial Services stock with a market cap of $900.00M and listed on NYSE. The stock last traded around $23.27 and up 3.4% across the available one-year price window (Jun 26, 2025 โ Jun 22, 2026). Baseline metrics include revenue growth of +3.7%, EPS growth of +214.9%, a dividend yield of 0.0%. What stands out right now is revenue +3.7%, EPS +214.9%, free cash flow +120.8% with operating margin 31.7% and ROIC 27.4%. Valuation is more restrained than many high-expectation growth names at P/E 4.6 and price/sales 1.1. Stock Foundry combines HRTG price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+3.7% vs +3.4% peer median
Operating Margin
Above sector median
+31.7% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 5, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +3.7% and EPS at +214.9%, with operating margin around 31.7%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.6% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 5, 2026 | โ | -1.0% | -20.7% | -28.0% |
2026 Mar 9, 2026 | +33.5% | -2.0% | +5.0% | -2.0% |
2025 Nov 5, 2025 | +207.6% | +12.5% | +20.4% | +14.4% |
Benchmark Edge
HRTG vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
HRTG
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
HRTG Max Drawdown
-32.95%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for HRTG and SPY.
Company Overview
Heritage Insurance Holdings, Inc.
New York Stock Exchange
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners, and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, and emergency and recovery services; and property management, and reinsurance services. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as indirectly to approximately 1,500 retail locations through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.
- Leadership
- Ernesto Jose Garateix
- IPO Date
- May 23, 2014
- Employees
- 540
- Street Address
- 1401 North Westshore Boulevard
- Mailing
- Tampa, FL, 33607
- Region
- Tampa, FL, US
- Reporting Currency
- USD
- Investor Line
- 727 362 7200
- Last Updated
- Apr 30, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 4.6
- EV/EBITDA
- 1.6
- Price/Sales
- 1.1
- Price/Book
- 1.8
Growth
- Revenue
- +3.7%
- EPS
- +214.9%
- Free Cash Flow
- +120.8%
Profitability
- Gross Margin
- 47.2%
- Operating Margin
- 31.7%
- Net Margin
- 23.1%
- ROE
- 47.3%
- ROIC
- 27.4%
Balance Sheet
- Debt/Equity
- 0.20
- Current Ratio
- 152.87
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.