Heritage Insurance Holdings, Inc. · Property and casualty insurance

HRTG

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The short version

A profitable company with steady sales.

Going well

Profitable, keeps 23% of sales as profit
Brings in more cash than it spends
Little debt

Watch out for

Share count growing 5.5% a year

Money moves

Insiders sold $126K in the last 30 days, all through pre-planned sales
Institutions added 0.6% to their holdings in the quarter ending June 2026 (104 bought, 94 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$37.19+0.9% that day

Company value: $1.1B; Share price times all shares
Price vs profit (P/E): 5.3x; You pay about $5 for each $1 of yearly profit
Price vs sales: 1.3x; Company value is 1.3 times a year of sales
Cash vs value: 53%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 7%; Debt as a share of company value

From HRTG's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$214.2M+3.0% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $854.6M, up 1.5% from the 12 months before. Over 5 years, sales grew about 7.4% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of HRTG. Starting points are the company's recent numbers.

Sales growth+2% a yearRecently: +1.5% a yearProfit margin25%Last 12 months: 25.2%P/E at the end8xToday: 5.3x. Many steady companies trade at 12x to 25xShare count change+6% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$944M

Profit in 5 years$236M

Price these guesses point to$47.43+28% vs $37.19 todayAbout +5.0% a year, before dividends

What today's price needs: with a 25% margin and a 8x P/E, sales could shrink about 2.8% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.49.1%
PassDebt under half of equityNot relying on borrowed money.0.16x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.23.1%
MissProfitable every yearSteady profits, not one good year.7 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$174.2M
MissShare count not growingNot diluting owners. Falling means buybacks.+17.5% in 3 years

Revenue: $847.3M; +3.7% vs prior year
5-year growth: +7.4%/yr; revenue, per year
Total debt: $78.4M; 0.16x equity
Free cash flow: $174.2M; 20.6% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.