(HRTG) Heritage Insurance Hldgs - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US42727J1025

HRTG: Homeowners, Commercial, Residential, Property, Insurance, Policies

Heritage Insurance Holdings, Inc. operates as a property and casualty insurance provider, specializing in personal and commercial residential insurance products. The company serves a diverse geographic footprint, offering personal residential insurance across 18 states, including Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Its commercial residential insurance products are available in Florida, New Jersey, and New York, while it also holds a license to operate in Pennsylvania. Additionally, the firm provides wind-only property insurance and restoration, emergency, and recovery services. Its product portfolio includes homeowners insurance for single-family homes, duplexes, and condominiums, as well as dwelling fire insurance policies. The company distributes its personal line policies through a network of retail independent agents, wholesale agents, and a direct agency partnership, while also leveraging wholesale agency relationships to reach retail locations. Heritage Insurance Holdings was established in 2012 and is headquartered in Tampa, Florida.

Heritage Insurance Holdings, Inc. (NYSE:HRTG) is a U.S.-based property and casualty insurance provider with a market capitalization of $388.77 million. The company operates in the Property & Casualty Insurance sub-industry and is listed on the New York Stock Exchange. Its stock has shown recent price stability, with a 20-day average volume of 168,589 shares and a last price of $11.52. Key technical indicators include a 20-day SMA of $11.61, a 50-day SMA of $11.64, and a 200-day SMA of $10.96, suggesting a stable trend. The ATR of 0.51 indicates moderate volatility. Fundamental analysis highlights a P/E ratio of 4.85, a P/B ratio of 1.35, and a P/S ratio of 0.49, pointing to a undervalued stock with strong return on equity (RoE) of 25.84%.

3-Month Forecast: Based on and , Heritage Insurance Holdings, Inc. (NYSE:HRTG) is expected to maintain its stable price trend in the near term. The stocks 20-day and 50-day SMAs are closely aligned with its current price, suggesting limited upward momentum but also reduced downside risk. The ATR of 0.51 indicates that price fluctuations are likely to remain within a narrow range. From a perspective, the companys strong RoE of 25.84% and low P/E ratio of 4.85 suggest underlying value, which could attract investors seeking undervalued stocks in the insurance sector. Overall, the stock is projected to trade sideways with potential for modest gains, supported by its solid financial metrics.

Additional Sources for HRTG Stock

HRTG Stock Overview

Market Cap in USD 425m
Sector Financial Services
Industry Insurance - Property & Casualty
GiC Sub-Industry Property & Casualty Insurance
IPO / Inception 2014-05-23

HRTG Stock Ratings

Growth 5y 24.1%
Fundamental 79.6%
Dividend 1.88%
Rel. Strength 8.65
Analysts 4/5
Fair Price Momentum 13.48 USD
Fair Price DCF 62.83 USD

HRTG Dividends

Dividend Yield 12m 0.00%
Yield on Cost 5y %
Annual Growth 5y -100.00%
Payout Consistency 63.5%

HRTG Growth Ratios

Growth Correlation 3m 54.9%
Growth Correlation 12m 57.3%
Growth Correlation 5y -4.1%
CAGR 5y 8.28%
CAGR/Max DD 5y 0.09
Sharpe Ratio 12m 0.35
Alpha 22.70
Beta 1.005
Volatility 64.33%
Current Volume 324.2k
Average Volume 20d 209.6k
What is the price of HRTG stocks?
As of April 01, 2025, the stock is trading at USD 14.42 with a total of 324,242 shares traded.
Over the past week, the price has changed by +4.34%, over one month by +22.72%, over three months by +19.17% and over the past year by +31.21%.
Is Heritage Insurance Hldgs a good stock to buy?
Yes, based on ValueRay Fundamental Analyses, Heritage Insurance Hldgs (NYSE:HRTG) is currently (April 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 79.55 and therefor a positive outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of HRTG as of April 2025 is 13.48. This means that HRTG is currently overvalued and has a potential downside of -6.52%.
Is HRTG a buy, sell or hold?
Heritage Insurance Hldgs has received a consensus analysts rating of 4.00. Therefor, it is recommend to buy HRTG.
  • Strong Buy: 1
  • Buy: 1
  • Hold: 1
  • Sell: 0
  • Strong Sell: 0
What are the forecast for HRTG stock price target?
According to ValueRays Forecast Model, HRTG Heritage Insurance Hldgs will be worth about 15 in April 2026. The stock is currently trading at 14.42. This means that the stock has a potential upside of +3.68%.
Issuer Forecast Upside
Wallstreet Target Price 19.5 35.2%
Analysts Target Price 16 11%
ValueRay Target Price 15 3.7%