# Heritage Insurance Holdings Inc. (HRTG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $33.95, market value $1.0 billion.

## Valuation
- **P/E (trailing): 4.8×** (5-yr avg 4.8×, 3-yr avg 4.8×). Heritage Insurance Holdings Inc. trades at 4.8× trailing earnings, close to its own five-year average of 4.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.5×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.03**. A PEG of 0.03 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.2×**. Each dollar of revenue is priced at 1.2×.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 1.8×**. Enterprise value is 1.8× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 29.5%** (5-yr avg 4.5%). Free cash flow equals 29.5% of the market value, above its five-year average of 4.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 20.6%**. The inverse of the P/E: 20.6% of the price is earned each year.

## Profitability
- **Operating margin: 34.5%**. 34.5% of revenue is left after running the business, an exceptional level.
- **Net margin: 23.1%**. 23.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 38.7%**. 38.7% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 953.4%**. Return on all capital, debt included, is 953.4%: comfortably above what that capital costs.
- **Return on assets: 9.8%**. Each dollar of assets produces 9.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.7%** (3-yr 8.6%/yr, 5-yr 7.4%/yr). Revenue grew 3.7% over the last year, against 7.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 214.4%** (5-yr 80.5%/yr). Earnings per share rose 214.4%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $559 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Heritage Insurance Holdings Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 38.7%** (YTD 16.0%, 3-mo 53.2%). The shares are up 38.7% over twelve months including dividends.
- **From 52-week high: -7.0%** (65.8% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): -0.08** (volatility 57%). Beta of -0.08 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HRTG · Page: https://foliofundamentals.com/stocks/hrtg

Not investment advice.