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Heritage Insurance Holdings, Inc. HRTG · Stock Open Heritage Insurance Holdings, Inc. in new tab

34.15 USD
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P/E
5.01
EPS
7.01
P/B
1.78
ROE
45.28
Beta
0.92
Target Price
39.00 USD
Heritage Insurance Holdings, Inc. logo

Heritage Insurance Holdings, Inc.

🧾 Earnings Recap – Q2 2026

Shares rose 8.3% following earnings as Heritage demonstrated improved underwriting discipline, accelerating personal residential new business production, and a more diversified platform driving confidence in sustainable growth.

  • Reported record net income of $61.7 million and diluted EPS of $2.05, reflecting strengthened profitability.
  • Annualized return on equity exceeded 45%, supported by disciplined capital allocation and underwriting.
  • Operating cash flow remained substantial at $166.5 million, underpinning financial strength.
  • Policy count declines moderated with positive trends in reopened territories, indicating an approaching inflection point towards growth.
  • Guidewire platform implementation temporarily slowed new business production, but agent feedback is overwhelmingly positive, supporting future efficiency gains.
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Key Metrics
Earnings dateNov. 4, 2026
P/E5.01
EPS7.01
Book Value19.67
Price to Book1.78
Debt/Equity16.18
% Insiders20.028%
Growth
Revenue Growth0.03%
Earnings Growth0.32%
Estimates
Forward P/E6.77
Forward EPS5.18
Target Mean Price39.00

DCF Valuation

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DCF Result
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Heritage Insurance Holdings, Inc. Logo Heritage Insurance Holdings, Inc. Analysis (HRTG)

United States Financials Official Website Stock

Is Heritage Insurance Holdings, Inc. a good investment? Heritage Insurance Holdings, Inc. (HRTG) is currently trading at 34.15 USD. Market analysts have a consensus price target of 39.00 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 5.01. This relatively low multiple may signal that Heritage Insurance Holdings, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Heritage Insurance Holdings, Inc. is expected to release its next earnings report on Nov. 4, 2026. The market consensus estimate for Forward EPS is 5.18.

Investor FAQ

Does Heritage Insurance Holdings, Inc. pay a dividend?

No, it does not currently pay a dividend.

What asset class is Heritage Insurance Holdings, Inc.?

Heritage Insurance Holdings, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Nov. 4, 2026. The company currently has a trailing EPS of 7.01.

Company Profile

Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.

Exchange Ticker
NYQ (United States) HRTG
Trades
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2022
0.18 USD
July 5, 2022 0.0600
April 6, 2022 0.0600
Jan. 6, 2022 0.0600
▸2021
0.24 USD
Oct. 6, 2021 0.0600
July 6, 2021 0.0600
April 6, 2021 0.0600
Jan. 5, 2021 0.0600
▸2020
0.24 USD
Oct. 2, 2020 0.0600
July 6, 2020 0.0600
April 3, 2020 0.0600
Jan. 3, 2020 0.0600
▸2019
0.24 USD
Oct. 3, 2019 0.0600
July 3, 2019 0.0600
April 3, 2019 0.0600
Jan. 4, 2019 0.0600
▸2018
0.18 USD
Oct. 3, 2018 0.0600
July 6, 2018 0.0600
April 3, 2018 0.0600
▸2017
0.30 USD
Dec. 15, 2017 0.0600
Oct. 2, 2017 0.0600
July 5, 2017 0.0600
April 4, 2017 0.0600
Jan. 4, 2017 0.0600
▸2016
0.22 USD
Oct. 3, 2016 0.0600
July 1, 2016 0.0600
April 5, 2016 0.0500
Jan. 13, 2016 0.0500
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