HRTG:NYE-Heritage Insurance Holdings Inc. (USD)

EQUITY | Insurance - Property & Casualty | New York Stock Exchange

Last Closing

USD 24.47

Change

0.00 (0.00)%

Market Cap

USD 0.48B

Volume

0.55M

Analyst Target

USD 17.00
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Heritage Insurance Holdings Inc is a property and casualty insurance holding company. The Company provides personal residential insurance for single-family homeowners and condominium owners, rental property insurance and commercial residential insurance.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2025-05-31 )

Largest Industry Peers for Insurance - Property & Casualty

Symbol Name Price(Change) Market Cap
PGR Progressive Corp

+3.81 (+1.34%)

USD 167.03B
ALL The Allstate Corporation

+2.77 (+1.32%)

USD 55.36B
HIG Hartford Financial Services Gr..

+0.03 (+0.02%)

USD 37.25B
ALL-PH The Allstate Corporation

-0.14 (-0.67%)

USD 34.66B
HIG-PG The Hartford Financial Service..

-0.08 (-0.32%)

USD 18.33B
KNSL Kinsale Capital Group Inc

+1.14 (+0.24%)

USD 10.59B
AFG American Financial Group Inc

+0.87 (+0.70%)

USD 10.35B
AIZ Assurant Inc

+1.25 (+0.62%)

USD 9.96B
ORI Old Republic International Cor..

+0.41 (+1.08%)

USD 9.25B
RLI RLI Corp

+0.24 (+0.31%)

USD 6.95B

ETFs Containing HRTG

DWAS Invesco DWA SmallCap Mome.. 2.27 % 0.60 %

+0.36 (+0.44%)

USD 0.64B

Market Performance

  Market Performance vs. Industry/Classification (Insurance - Property & Casualty) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 102.23% 100% F 99% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 102.23% 100% F 99% N/A
Trailing 12 Months  
Capital Gain 187.88% 100% F 99% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 187.88% 100% F 99% N/A
Trailing 5 Years  
Capital Gain 98.62% 57% F 79% B-
Dividend Return 4.38% 14% F 9% A-
Total Return 103.00% 50% F 75% C
Average Annual (5 Year Horizon)  
Capital Gain 43.55% 98% N/A 94% A
Dividend Return 44.70% 98% N/A 94% A
Total Return 1.15% 13% F 26% F
Risk Return Profile  
Volatility (Standard Deviation) 114.56% 5% F 6% D-
Risk Adjusted Return 39.02% 40% F 57% F
Market Capitalization 0.48B 17% F 53% F

Key Financial Ratios

  Ratio vs. Industry/Classification (Insurance - Property & Casualty) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.00 75% 78%
Price/Book Ratio 2.16 67% 38%
Price / Cash Flow Ratio 8.33 44% 45%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 27.59% 90% 91%
Return on Invested Capital 19.40% 83% 88%
Return on Assets 3.26% 85% 60%
Debt to Equity Ratio 12.45% 81% 84%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.