HRTG — Heritage Insurance Holdings, Inc. stock price, charts and financials

NYSE·Financial Services·Insurance - Property & Casualty·USA

Latest market price

29.80

-0.42-1.39%

Overview Short InterestFilings

HRTGQT74Heritage Insurance Holdings, Inc.·NYSE

Overview Short InterestFilings

29.80-1.39%

Earnings

Down 1.4% — Reported earnings — EPS missed by 22%, revenue missed by 1%.

High confidence

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Signal & projected range

Gap down — mean-reversionHistorical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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MHLA+0.74%$10.83 ROOT+3.59%$59.12 BOW-0.62%$33.48 DGICA-1.52%$19.46 ASIC-0.04%$23.89 UVE+0.09%$44.27 PRA+0.00%$25.00 AFGE+0.19%$16.23

Snapshot

Index	-	P/E	4.57	EPS (ttm)	6.52	Insider Own	30.29%	Shs Outstand	30.35M	Perf Week	-0.30%

Market Cap	904.43M	Forward P/E	6.30	EPS next Y	4.73	Insider Trans	-1.45%	Shs Float	22.67M	Perf Month	8.64%

Enterprise Value	377.43M	PEG	0.54	EPS next Q	-	Inst Own	-	Short Float	4.05%	Perf Quarter	4.82%

Income	201.00M	P/S	1.17	EPS this Y	-33.03%	Inst Trans	-	Short Ratio	2.05	Perf Half Y	12.20%

Sales	775.00M	P/B	1.74	EPS next Y	8.40%	ROA	9.98%	Short Interest	918.50K	Perf YTD	1.85%

Book/sh	17.13	P/C	1.45	EPS next 5Y	8.40%	ROE	43.68%	52W High	31.98 -6.82%	Perf Year	41.84%

Cash/sh	20.59	P/FCF	4.44	EPS past 3/5Y	- 80.48%	ROIC	32.54%	52W Low	16.83 77.06%	Perf 3Y	526.05%

Dividend Est.	-	EV/EBITDA	1.31	Sales past 3/5Y	8.56% 7.39%	Gross Margin	51.16%	Volatility	3.03% 3.38%	Perf 5Y	304.34%

Dividend TTM	-	EV/Sales	0.49	EPS Y/Y TTM	224.38%	Oper. Margin	34.59%	ATR (14)	1.04	Perf 10Y	139.55%

Dividend Ex-Date	Jun 13, 2022	Quick Ratio	0.81	Sales Y/Y TTM	-5.14%	Profit Margin	25.99%	RSI (14)	64.47	Recom	2.44

Dividend Gr. 3/5Y	-20.63% -12.94%	Current Ratio	0.81	EPS Q/Q	20.20%	SMA20	6.33%	Beta	0.91	Target Price	33.50

Payout	0.00%	Debt/Eq	0.20	Sales Q/Q	0.47%	SMA50	17.69%	Rel Volume	0.67	Prev Close	30.22

Employees	542	LT Debt/Eq	0.05	Earnings	Aug 05	SMA200	12.96%	Avg Volume	448.34K	Price	29.80

IPO Date	May 23, 2014	Option/Short	Yes / Yes	EPS/Sales Surpr.	-22.22% -1.27%	Net Debt/EBITDA	-1.45	Volume	300,536	Change	-1.39%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Jul-15-26	Reiterated	Piper Sandler	Overweight	$13 → $31
May-11-26	Reiterated	Truist Securities	Buy	$39 → $36
Sep-19-25	Reiterated	Truist Securities	Buy	$12 → $35
Aug-09-24	Upgrade	Piper Sandler	Neutral → Overweight	$13
Mar-13-24	Downgrade	JMP Securities	Market Outperform → Market Perform
Feb-13-23	Downgrade	Piper Sandler	Overweight → Neutral
Apr-06-20	Upgrade	Piper Sandler	Neutral → Overweight
Nov-05-19	Downgrade	Keefe, Bruyette & Woods	Outperform → Market Perform
Jul-16-19	Downgrade	Piper Sandler	Buy → Hold
Jul-16-19	Downgrade	Sandler O'Neill	Buy → Hold

Latest News

Jul-27-26

Jul-27-2610:49PM

Heritage Insurance: El Nino Puts The Odds In Favor Of A 2026 Beat, With A TwistSeekingAlpha

Jul-24-26

Jul-24-2609:00AM

Heritage Announces Second Quarter 2026 Earnings Datesprnewswire.com

Jul-15-26

Jul-15-2607:19AM

Piper Sandler Maintains Overweight on Heritage Insurance Hldgs, Raises Price Target to $31Benzinga

Company

Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The company also holds a licensing credential in the state of Pennsylvania. Beyond its core insurance offerings, Heritage Insurance Holdings, Inc. also delivers various supplementary services, such as restoration, emergency and recovery operations, property management, and reinsurance services. The distribution of its personal line policies is facilitated through diverse channels, including a network of retail independent agents, wholesale agents, and a dedicated partnership with a direct agency. Furthermore, its market reach indirectly extends to approximately 1,500 retail locations via eight distinct wholesale agency relationships. Both personal and commercial insurance policies are also offered through a network comprising around 70 independent agencies. Established in 2012, Heritage Insurance Holdings, Inc. is headquartered in Tampa, Florida.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	775	847	817	735	662	632	593	511	480
Cost of Goods Sold Incl. D&A	379	313	638	594	657	573	502	381	322
Gross Profit	397	534	179	142	5	58	92	130	158
Selling, General and Administrative Excl. Other	50	93	85	78	70	66	82	81	89
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	78	182	11	12	101	68	8	8	30
Operating Income	268	259	83	52	-166	-76	2	41	39
Interest Expense	8	8	11	11	9	8	8	9	20
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	8	8	11	11	9	8	8	9	20
Net Income Before Taxes	268	259	83	52	-166	-76	2	41	39
Income Taxes	67	64	21	7	-12	-1	-7	12	12
Consolidated Net Income	201	196	62	45	-154	-75	9	29	27
Net Income From Continuing Operations	201	196	62	45	-154	-75	9	29	27
Net Income	201	196	62	45	-154	-75	9	29	27
EPS (Recurring)	6.53	6.33	2.01	1.73	-5.86	-2.69	0.33	0.98	1.05
EPS (Basic, Before Extraordinaries)	6.53	6.33	2.01	1.73	-5.86	-2.69	0.33	0.98	1.05
EPS (Diluted)	6.52	6.32	2.01	1.73	-5.86	-2.69	0.33	0.98	1.04
EBITDA	288	280	103	72	-149	-60	18	60	86
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	4.57	4.63	6.02	3.77	—	—	30.70	13.52	14.15
Price To Sales Ratio	1.19	1.07	0.46	0.23	0.07	0.26	0.48	0.75	0.80
Gross Margin	51.23	63.05	21.91	19.32	0.76	9.18	15.51	25.44	32.92
Operating Margin	34.58	30.58	10.16	7.07	-25.08	-12.03	0.34	8.02	8.13
Net Margin	25.94	23.14	7.59	6.12	-23.26	-11.87	1.52	5.68	5.63
Shares Outstanding	31	31	31	26	26	28	28	29	26
Market Capitalization	924	907	375	170	47	165	284	384	383
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Binnun Sharon	Chief Accounting Officer	Jul 01 '26	Sale	26.58	9,200	244,493	105,588	Jul 02
Binnun Sharon	Chief Accounting Officer	Jun 22 '26	Sale	24.36	9,200	224,103	114,788	Jun 24
WHITING PAUL L	Director	May 19 '26	Buy	23.56	16,000	376,950	103,126	May 20
Binnun Sharon	Chief Accounting Officer	May 01 '26	Sale	28.99	9,200	266,753	123,988	May 05
Garateix Ernie J	Chief Executive Officer	Apr 20 '26	Sale	27.56	8,334	229,653	1,060,955	Apr 21
Moura Timothy	See Remarks	Apr 02 '26	Sale	25.76	24,769	637,968	160,045	Apr 03
Binnun Sharon	Chief Accounting Officer	Apr 01 '26	Sale	25.72	9,200	236,588	133,188	Apr 03
Moura Timothy	See Remarks	Apr 01 '26	Sale	25.79	25,721	663,468	184,814	Apr 03
Garateix Ernie J	Chief Executive Officer	Mar 20 '26	Sale	25.39	8,334	211,579	1,069,289	Mar 23
Moura Timothy	See Remarks	Mar 19 '26	Sale	26.63	29,133	775,760	210,535	Mar 23
Binnun Sharon	Chief Accounting Officer	Mar 17 '26	Sale	28.35	7,893	223,751	142,388	Mar 19
Garateix Ernie J	Chief Executive Officer	Feb 20 '26	Sale	24.12	8,334	200,999	1,120,170	Feb 24
Garateix Ernie J	Chief Executive Officer	Jan 20 '26	Sale	26.03	8,334	216,916	1,128,504	Jan 22
Garateix Ernie J	Chief Executive Officer	Dec 22 '25	Sale	29.48	8,334	245,669	1,136,838	Dec 29
Garateix Ernie J	Chief Executive Officer	Dec 12 '25	Sale	28.85	1,709	49,298	1,185,806	Dec 15

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