Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HRTG
STRONG BUYFLAGHeritage Insurance Holdings, Inc. · Financial Services · United States · $842M · Avg Vol: $10M/d
Heritage Insurance has Q73 V73 and a plus 3.3% revision, but momentum at M42 is below the calibrated floor and the insider picture is net selling (0.09% against 0.05% bought). Florida property insurance after a favourable reform period.
COMPANY DESCRIPTION
Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company providing residential and commercial coverages. The company maintains a strong regional presence in coastal states through a multi-channel distribution network and disciplined underwriting practices. It operates as a specialized niche insurer focused on managing catastrophe-exposed property risks.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 662.5M | 670.7M | 766.7M | 774.4M | 5.3% | 848.5M | 787.0M | 822.0M | 3.0% |
| EPS | -5.86 | 1.73 | 2.01 | 6.33 | 91.3% | 6.52 | 4.42 | 4.79 | -13.0% |
| Shares | 25.5M | 30.2M | 30.6M | 30.8M | +20.7% | 30.3M | — | — | — |
| Debt | 160.2M | 148.2M | 141.3M | 99.8M | -14.6% | 99.0M | — | — | — |
| Equity | 131.0M | 220.3M | 290.8M | 505.3M | 56.8% | — | — | — | — |
| Op CF | -34.3M | 70.4M | 87.1M | 182.2M | 60.9% | 206.3M | — | — | — |
| Inv CF | -37.9M | 100.8M | -91.6M | -32.7M | — | — | — | — | — |
| Fin CF | -5.1M | 14.5M | -5.2M | -40.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HRTG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HRTG | Heritage Insurance Holdings, Inc.(you) | $842M | 92 | STRONG BUY |
| UFCS | United Fire Group, Inc. | $1.3B | 93 | STRONG BUY |
| ASIC | Ategrity Specialty Insurance Company Holdings | $1.1B | 84 | STRONG BUY |
| BOW | Bowhead Specialty Holdings Inc. | $1.0B | 82 | STRONG BUY |
| UVE | Universal Insurance Holdings, Inc. | $1.2B | 99 | STRONG BUY |
| SAFT | Safety Insurance Group, Inc. | $1.5B | 84 | STRONG BUY |
| AII | American Integrity Insurance Group, Inc. | $366M | 88 | STRONG BUY |
| HCI | HCI Group, Inc. | $2.3B | 93 | STRONG BUY |
| KINS | Kingstone Companies, Inc. | $288M | 93 | STRONG BUY |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.5B | 90 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%