HRTG
Strong BuyFull HouseAI neutralHeritage Insurance Holdings, Inc. · Financial Services · United States · $1.1B cap · $9.6M/day traded
$37.10 +0.8% · close 26 Oct · scored 27 Oct
Full House: Strong business, sensible price, market agrees. The rare full house.
Report expected 4 Nov: the next-year EPS estimate has risen 7.5% over the last 14 weeks.
As of 27 Oct 2026, MoatMap's StockRank for Heritage Insurance Holdings, Inc. (HRTG) is 94/100, ranked against 24,000+ stocks in 35 markets (Quality 74, Value 61, Momentum 67, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Heritage Insurance provides property and casualty coverage across coastal regions, supported by recent rate hardening that has bolstered underwriting profitability. However, recent net share sales by executive officers signal caution following the stock's operational turnaround. Given catastrophe exposure inherent in its core markets, insider selling advises a neutral posture.
ABOUT HERITAGE INSURANCE HOLDINGS, INC.
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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% | 854.6M | 785.9M | 810.9M | 2.3% |
| EPS | -5.86 | 1.73 | 2.01 | 6.33 | 91.3% | 7.01 | 5.31 | 5.15 | -9.8% |
| Shares | 25.5M | 30.2M | 30.6M | 30.8M | +20.7% | 29.7M | — | — | — |
| Debt | 160.2M | 148.2M | 141.3M | 99.8M | -14.6% | 91.8M | — | — | — |
| Equity | 131.0M | 220.3M | 290.8M | 505.3M | 56.8% | — | — | — | — |
| Op CF | -34.3M | 70.4M | 87.1M | 182.2M | 60.9% | 304.7M | — | — | — |
| Inv CF | -37.9M | 100.8M | -91.6M | -32.7M | — | — | — | — | — |
| Fin CF | -5.1M | 14.5M | -5.2M | -40.6M | — | — | — | — | — |
Above its 200-day average and 2% below its 52-week high.
Swung more than 63% of stocks we rank over the past year (50% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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) | $1.1B | 94 | Strong Buy |
| UVE | Universal Insurance Holdings, Inc. | $1.4B | 93 | Strong Buy |
| HIPO | Hippo Holdings Inc. | $1.0B | 88 | Strong Buy |
| UFCS | United Fire Group, Inc. | $1.5B | 86 | Strong Buy |
| AII | American Integrity Insurance Group, Inc. | $565M | 98 | Strong Buy |
| HCI | HCI Group, Inc. | $2.5B | 94 | Strong Buy |
| DGICB | Donegal Group Inc. | $890M | 77 | Buy |
| SLDE | Slide Insurance Holdings, Inc. | $3.3B | 96 | Strong Buy |
| BOW | Bowhead Specialty Holdings Inc. | $1.1B | 71 | Buy |
| SAFT | Safety Insurance Group, Inc. | $1.5B | 76 | Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.7%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.