Heritage Insurance Holdings, Inc.
General ticker "HRTG" information:
- Sector: Financials
- Industry: Insurance - Property & Casualty
- Capitalization: $759.9M (TTM average)
Heritage Insurance Holdings, Inc. follows the US Stock Market performance with the rate: 20.1%.
Estimated limits based on current volatility of 1.4%: low 20.65$, high 21.36$
Factors to consider:
- Total employees count: 540 (-4.6%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Catastrophic events, Cybersecurity threats, IT system disruptions, Diversification risks, Agent dependency
- Current price 15.0% below estimated low
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [24.57$, 36.62$]
- 2026-12-31 to 2027-12-31 estimated range: [24.96$, 37.68$]
Financial Metrics affecting the HRTG estimates:
- Positive: with PPE of 4.7 at the end of fiscal year the price was neutral
- Positive: Operating cash flow per share per price, % of 20 > 12.90
- Positive: Operating profit margin, % of 30.60 > 18.39
- Positive: Return on assets ratio (scaled to [-100,100]) of 8.18 > 6.06
- Negative: Investing cash flow per share per price, % of -3.59 <= -0.60
- Positive: Industry operating cash flow per share per price (median), % of 19.20 > 10.39
- Positive: Inventory ratio change, % of -46.18 <= -0.75
- Positive: 19.24 < Shareholder equity ratio, % of 23.01 <= 42.59
Short-term HRTG quotes
Long-term HRTG plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $2,686.57MM | $2,862.04MM | $847.33MM |
| Operating Expenses | $2,623.36MM | $2,768.43MM | $588.07MM |
| Operating Income | $63.22MM | $93.61MM | $259.26MM |
| Non-Operating Income | $-11.21MM | $-10.93MM | $0.00MM |
| Interest Expense | $11.21MM | $10.93MM | $7.89MM |
| Income(Loss) | $52.01MM | $82.68MM | $259.26MM |
| Taxes | $6.70MM | $21.14MM | $63.67MM |
| Net Income(Loss)* | $45.31MM | $61.54MM | $195.59MM |
| Stockholders Equity | $220.28MM | $290.80MM | $505.25MM |
| Assets | $2,153.20MM | $2,468.92MM | $2,195.82MM |
| Operating Cash Flow | $70.42MM | $87.09MM | $182.24MM |
| Capital expenditure | $9.89MM | $8.23MM | $8.07MM |
| Investing Cash Flow | $100.81MM | $-91.60MM | $-32.67MM |
| Financing Cash Flow | $14.55MM | $-5.19MM | $-40.63MM |
| Earnings Per Share** | $1.73 | $2.01 | $6.33 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.