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    H

    Heritage Insurance Hldgs Inc (HRTG)

    Official site

    FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NYSE

    $36.61
    +0.32 (+0.88%)

    Market Cap: $1.08B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    72%(28/39)
    Avg Surprise
    +96.97%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.77
    Range$0.58 - $1.07
    3 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.61+26.4%
    60d ago$0.61+26.4%
    30d ago$0.770.0%
    7d ago$0.770.0%
    Current$0.77
    Revenue Consensus
    $217M
    Range$217M - $217M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.63
    Range$1.46 - $1.81
    2 analysts
    Revenue Consensus
    $217M
    Range$216M - $217M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.63---
    Sep 26EST
    		-$0.77---
    Jun 26
    Reported Aug 5
    		$2.05$0.99+107.07%Beat+32.3%
    Mar 26
    Reported May 7
    		$1.19$1.53-22.22%Miss+20.2%
    Dec 25
    Reported Mar 9
    		$2.15$0.98+119.86%Beat+226.5%
    Sep 25
    Reported Nov 5
    		$1.63$0.53+207.55%Beat+503.7%
    Jun 25
    Reported Aug 5
    		$1.55$1.01+53.47%Beat+154.1%
    Mar 25
    Reported May 6
    		$0.99$0.45+120.00%Beat+110.6%
    Dec 24
    Reported Mar 11
    		$0.66$0.56+17.86%Beat-42.6%
    Sep 24
    Reported Nov 7
    		$0.27$0.06+350.00%Beat+200.0%
    Jun 24
    Reported Aug 6
    		$0.61$0.41+48.78%Beat+69.4%
    Mar 24
    Reported May 1
    		$0.47$0.59-20.34%Miss-4.1%
    Dec 23
    Reported Mar 11
    		$1.15$0.46+150.00%Beat+139.6%
    Sep 23
    Reported Nov 2
    		$-0.27$-0.21-28.57%Miss+85.2%
    Jun 23
    Reported Aug 8
    		$0.36$0.08+350.00%Beat+227.3%
    Mar 23
    Reported May 4
    		$0.49$0.10+390.00%Beat+142.6%
    Dec 22
    Reported Mar 2
    		$0.48$-0.16+400.00%Beat+17.1%
    Sep 22
    Reported Nov 8
    		$-1.83$-1.06-72.64%Miss-210.2%
    Jun 22
    Reported Aug 4
    		$0.11$-0.12+191.67%Beat+191.7%
    Mar 22
    Reported May 5
    		$-1.15$0.22-622.73%Miss-505.3%
    Dec 21
    Reported Mar 7
    		$0.41$0.14+192.86%Beat+310.0%
    Sep 21
    Reported Nov 4
    		$-0.59$-0.27-118.52%Miss+22.4%
    Jun 21
    Reported Aug 5
    		$-0.12$-0.04-200.00%Miss-180.0%
    Mar 21
    Reported May 5
    		$-0.19$-0.15-26.67%Miss-173.1%
    Dec 20
    Reported Mar 3
    		$0.10N/A+125.64%Beat-76.2%
    Sep 20
    Reported Nov 2
    		$-0.76$-0.62-22.58%Miss-371.4%
    Jun 20
    Reported Aug 3
    		$0.15$0.01+1400.00%Beat+650.0%
    Mar 20
    Reported May 4
    		$0.26$0.23+13.04%Beat+23.8%
    Dec 19
    Reported Feb 27
    		$0.42$0.37+13.51%Beat+180.0%
    Sep 19
    Reported Oct 31
    		$0.28$0.14+100.00%Beat-56.9%
    Jun 19
    Reported Aug 1
    		$0.02$-0.03+166.67%Beat-95.8%
    Mar 19
    Reported May 6
    		$0.21$0.31-32.26%Miss-62.5%
    Dec 18
    Reported Mar 1
    		$0.15$0.15+0.00%Beat-87.8%
    Sep 18
    Reported Oct 31
    		$0.65$0.28+132.14%Beat+1183.3%
    Jun 18
    Reported Aug 2
    		$0.48$0.67-28.36%Miss+108.7%
    Mar 18
    Reported May 7
    		$0.56$0.42+33.33%Beat+166.7%
    Dec 17
    Reported Mar 7
    		$1.23$0.39+215.38%Beat+1466.7%
    Sep 17
    Reported Nov 1
    		$-0.06$-0.09+33.33%Beat-
    Jun 17
    Reported Aug 8
    		$0.23$0.21+9.52%Beat-
    Mar 17
    Reported May 3
    		$0.21$0.18+16.67%Beat-
    Dec 16
    Reported Mar 15
    		$-0.09$-0.11+18.18%Beat-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    Payout Ratio0.00%
    FrequencyQuarterly

    Key Metrics

    Valuation
    P/E Ratio5.21EV/EBITDA1.94x
    Price/FCF3.69xFCF Yield27.09%
    Profitability
    Profit Margin25.20%Operating Margin39.20%
    ROE45.30%ROIC33.69%
    Financial Health
    Debt/Equity0.13xInterest Coverage40.77x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.92Avg Volume273.27K
    52-Week High$36.5052-Week Low$20.48

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$35.12
    SMA 20$34.33
    SMA 50$34.16
    SMA 200$28.11
    EMA 10$35.36
    EMA 20$34.78
    EMA 50$33.39
    EMA 200$29.01

    MACD

    Line: 0.67Signal: 0.43Hist: 0.25

    ADX

    ADX: 15.8+DI: 27.6-DI: 15.7

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down36.0
    PSAR$33.94

    Bollinger Bands

    Upper Band$36.54
    Lower Band$32.11
    %B Position1290%(Upper)
    Band Width1.02

    RSI (14-Day)

    Overbought
    70.7

    Momentum Oscillators

    Stoch %K93.2
    Stoch %D92.3
    Williams %R-15.0
    ROC (10d)8.2%
    Momentum2.78
    CCI (20d)191.6
    MFI (14d)76.8

    Volatility Measures

    ATR (14d)$0.97(2.7%)
    StdDev (20d)1.11
    Hist Vol21.5%(Moderate)

    Volume Flow

    VWAP$36.74
    OBV14.3M
    AD Line11.3M
    CMF (20d)-0.089

    Volume Metrics

    Avg Vol (20d)262.6K
    Vol Ratio0.6x
    VWMA (20d)$34.19

    Pivot Points

    R3$37.90
    R2$37.10
    R1$36.70
    Pivot Point$35.90
    S1$35.50
    S2$34.70
    S3$34.30

    Advanced Oscillators

    TSI23.42
    Ultimate Osc67.6
    KST21.01

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$212.50M$210.88M$213.59M$210.61M$206.16M$209.09M$207.69M$209.09M$200.79M$188.47M$183.97M$183.71M
    Cost of RevenueN/A$91.60M$48.47M$119.95M$118.77M$145.22M$157.59M$178.53M$153.15M$158.26M$134.04M$173.82M
    Gross ProfitN/A$121.06M$93.95M$92.51M$89.27M$66.30M$52.67M$33.32M$50.42M$45.34M$52.92M$12.48M
    Operating Expenses$130.34M$161.84M$125.64M$142.29M$143.16M$169.08M$178.75M$200.10M$175.93M$168.60M$150.80M$195.74M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$49.04M$87.95M$68.32M$62.99M$49.39M$28.95M$8.99M$24.86M$19.87M$33.17M$-12,026,000
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$1.69M$1.78M$1.73M$1.85M$1.88M$2.43M$2.57M$2.75M$2.78M$2.83M$3.00M$2.59M
    Income Before Tax$82.16M$49.04M$87.95M$68.32M$62.99M$40.01M$28.95M$8.99M$24.86M$19.87M$33.17M$-12,026,000
    Income Tax Expense$20.45M$12.56M$21.27M$17.89M$14.97M$9.54M$8.65M$842,000$5.99M$5.65M$2.23M$-4,602,000
    Net Income$61.71M$36.48M$66.67M$50.42M$48.02M$30.47M$20.29M$8.15M$18.87M$14.22M$30.94M$-7,424,000
    EBITDA$84.94M$52.16M$91.20M$71.56M$65.85M$42.94M$31.84M$10.50M$26.53M$21.57M$34.50M$-10,925,000
    EBIT$82.16M$49.04M$87.95M$68.32M$62.99M$40.01M$28.95M$8.99M$24.86M$19.87M$33.17M$-12,026,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Heritage Insurance stock reaches a 52-week high at EUR 32.71 in Germany

    Heritage Insurance stock has reached a new 52-week high of EUR 32.71 in Germany and USD 37.30 on the NYSE. This surge follows strong second-quarter 2026 results...

    ad-hoc-news.de•10/15/26•Bullish

    Heritage Insurance Holdings stock hits all-time high at 37.02 USD

    Heritage Insurance Holdings Inc. (HRTG) stock reached an all-time high of 37.02 USD, reflecting significant investor confidence and robust performance with a 51.59% increase over the past year. Despite its attractive P/E...

    Investing.com India•10/15/26•Bullish

    Heritage Insurance Holdings stock hits all-time high at 37.02 USD

    Heritage Insurance Holdings (HRTG) stock has reached an all-time high of $37.02, reflecting strong investor confidence and robust market performance. Despite an InvestingPro analysis suggesting the stock is overvalued...

    Investing.com•10/15/26•Neutral

    Heritage Insurance (NYSE:HRTG) Stock Price Crosses Above 50-Day Moving Average - Here's What Happened

    Heritage Insurance (NYSE:HRTG) saw its stock price rise 2.5% to $36.27, surpassing its 50-day moving average of $33.97. The company reported strong quarterly earnings...

    MarketBeat•10/14/26•Bullish

    (HRTG) Risk Channels and Responsive Allocation

    Heritage Insurance Holdings Inc. (NASDAQ: HRTG) is showing strong near-term sentiment with a potential shift to long-term positive bias. The analysis highlights an exceptional risk-reward short setup and provides three...

    Stock Traders Daily•10/9/26•Bullish

    HRTG Valuation and Fair Value

    P/E
    5.2x
    EV/EBITDA
    1.9x
    P/FCF
    3.7x
    PEG
    0.0x
    P/B
    1.9x
    See GNG's fair value

    HRTG Profitability: Margins, ROIC and FCF

    Operating margin
    39.2%
    Net margin
    25.2%
    ROIC
    33.7%
    ROE
    45.3%
    FCF margin
    35.1%
    FCF yield
    27.1%

    HRTG Competitors

    CompanyTicker
    Morgan Stanley Direct Lending FundMSDL
    Northeast BancorpNBN
    Walker & Dunlop IncWD
    Metropolitan Bank HoldingMCB
    Oppenheimer Holdings IncOPY
    Five Star BancorpFSBC
    Heritage Financial CorporationHFWA
    International General Insurance Holdings LtdIGIC

    Sector: Financial Services

    HRTG Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    1
    Buy
    1
    Hold
    1
    Sell
    0
    Strong Sell
    0

    HRTG Bull Case vs Bear Case

    Bull case

    • HRTG earns a 33.7% return on invested capital.
    • HRTG converts 35.1% of revenue into free cash flow.
    • HRTG has a 25.2% net profit margin.

    HRTG Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    119.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.77
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    HRTG Dividend

    Forward yield
    0.0%
    Payout ratio
    0.0%

    Frequently Asked Questions About HRTG

    Does HRTG pay dividends?

    Heritage Insurance Hldgs Inc (HRTG) has a dividend payment track record. See the HRTG dividend history page for its current payment status, TTM yield, and recorded payments.

    What is HRTG's P/E ratio?

    Heritage Insurance Hldgs Inc has a price-to-earnings (P/E) ratio of 5.21.

    What is HRTG's market cap?

    Heritage Insurance Hldgs Inc (HRTG) has a market capitalization of $1.08B with a current stock price of $36.61.

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