Heritage Insurance Holdings stock
HRTGNYSEHeritage Insurance Holdings, Inc., Financial ServicesISIN US42727J1025
75Score 75 out of 100, Strong
Price and trend
62 / 100
Price history
+12% in one yearThe chart shows daily closes over 12 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 16% above it.
Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 31).
The price is 11% below its 52-week high. Largest decline in 12 years: 95% (July 2015 to October 2022).
Chart figures for advanced users
- SMA 50$34.83
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$29.00
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)31
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$20.88
- The lowest closing price of the last twelve months.
- Resistance$37.70
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Heritage Insurance Holdings, Inc. belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $992.69M, is number 49 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $847.33M (up 3.7% year on year) and earnings of $195.59M (up 217.8%).
- MEQIRI Score 75 out of 100 (Strong): rank 220 of 975 in Financial Services, median 68.
Show more
- The P/E is 4.6 (Insurance (Property & Casualty) median 12.3, own median of recent years 13.5).
- Our model puts fair value at $78.41, with the price 57% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 80.5% a year since 2020.Growth 74
- High return on equityReturn on equity 39.4% over the last 12 months.Profitability 89
- Modestly valuedP/E 4.6, Insurance (Property & Casualty) median 12.3, own median 13.5.Valuation 100
Weaknesses
- Margin may fall backOperating margin 30.6%, average of the prior years 0.4%, which ranged from −25.1% to 10.1%. After peaks like this, the margin was more than a quarter lower two years later in 44 of 100 cases, against 24 of 100 for other companies with high margins.
- Analysts expect falling earningsDown 16.2% a year through 2027 (estimates from 3 analysts).
- Volatile share priceVolatility 48% a year over the last 12 months.Stability 68
Its standout strengths are valuation and profitability.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 76 to 75.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high price swings
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $56.01 and expensive above $130.69 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $67.34 (excess return model) and $89.49 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $72.80, at 7.8% it would be $86.83.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.3).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 6.4% on the twelve months before. Revenue has grown strongly since 2012, at around 47% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 31%, net 23%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 8 Mar 2027in 115 days
- Last reported
- 28 Oct 2026EPS reported $1.72 (expected $0.93)above expectations
Analyst estimates
- Earnings per share
- $6.09+11.4%
- Revenue
- $861.17M−0.1%
- Earnings per share
- $5.13−1.4%
- Revenue
- $857.19M−4.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +2.6%Heritage reaffirms its expectation of a return to personal lines policy count growth in 2027, but does not state a specific raised or lowered revenue or profit forecast.
“Based on those trends, we continue to expect a return to personal lines policy count growth in 2027.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $376,950 in total. 5 insiders sold, $3.35M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Johns Timothy ESale
19 Oct 2026, See Remarks
- Shares
- 3,500
- Price
- $35.91
- Value
- $125,686
- Johns Timothy ESale
18 Sept 2026, See Remarks
- Shares
- 3,500
- Price
- $34.74
- Value
- $121,579
- Garateix Ernie JSale
14 Sept 2026, Chief Executive Officer
- Shares
- 2,500
- Price
- $35.25
- Value
- $88,135
Show 13 more
- Binnun SharonSale
9 Sept 2026, Chief Accounting Officer
- Shares
- 6,565
- Price
- $33.82
- Value
- $221,995
- Garateix Ernie JSale
3 Sept 2026, Chief Executive Officer
- Shares
- 2,500
- Price
- $35.10
- Value
- $87,750
- Binnun SharonSale
1 Sept 2026, Chief Accounting Officer
- Shares
- 9,200
- Price
- $33.91
- Value
- $311,994
- Garateix Ernie JSale
24 Aug 2026, Chief Executive Officer
- Shares
- 10,000
- Price
- $34.88
- Value
- $348,750
- Johns Timothy ESale
19 Aug 2026, See Remarks
- Shares
- 3,500
- Price
- $33.68
- Value
- $117,864
- Garateix Ernie JSale
18 Aug 2026, Chief Executive Officer
- Shares
- 5,000
- Price
- $34.55
- Value
- $172,725
- Garateix Ernie JSale
17 Aug 2026, Chief Executive Officer
- Shares
- 5,000
- Price
- $34.31
- Value
- $171,550
- Lusk KirkSale
17 Aug 2026, Chief Financial Officer
- Shares
- 10,000
- Price
- $34.16
- Value
- $341,587
- Moura TimothySale
10 Aug 2026, See Remarks
- Shares
- 15,104
- Price
- $32.49
- Value
- $490,681
- Binnun SharonSale
3 Aug 2026, Chief Accounting Officer
- Shares
- 9,200
- Price
- $30.03
- Value
- $276,285
- Binnun SharonSale
1 Jul 2026, Chief Accounting Officer
- Shares
- 9,200
- Price
- $26.58
- Value
- $244,493
- Binnun SharonSale
22 Jun 2026, Chief Accounting Officer
- Shares
- 9,200
- Price
- $24.36
- Value
- $224,103
- Whiting Paul LPurchase
19 May 2026, Board
- Shares
- 16,000
- Price
- $23.56
- Value
- $376,950
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Heritage Insurance Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 75
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- United Fire GroupUFCS $1.32B64
- Stewart Information ServicesSTC $1.27B47
- Ategrity Specialty HoldingsASIC $1.17B70
- Bowhead Specialty HoldingsBOW $1.12B75
- Hippo HoldingsHIPO $983.94M51
- FBD HoldingsEG7.IR $776.75M79
- Donegal GroupDGICA $709.47M59
- RootROOT $671.9M54
ETFs that hold Heritage Insurance Holdings
Held by 11 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.08% | 0.39% | €1.47B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.06% | 0.30% | €185.82M |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.03% | 0.30% | €4.22B |
Show 5 more
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.03% | 0.30% | €2.17B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.03% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.01% | 0.35% | €434.1M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.01% | 0.35% | €8.19B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 12 Jun 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.