HRTG
Heritage Insurance Holdings, Inc.
NYSEUSDEQUITY
DELAYED
Last price
33.84
▲ 0.21 (0.62%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
33.09
Prev close
33.63
Day high
34.19
Day low
33.52
Volume
162.09K
Market cap
—
P/E (TTM)
—
52W range
20.48 – 36.50
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
-0.35%
+1.0%
1M
+28.77%
+25.0%
3M
+44.31%
+41.2%
6M
+40.41%
+29.3%
YTD
+15.65%
+3.4%
1Y
+47.64%
+27.6%
3Y
+496.83%
+422.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap—
Enterprise value—
Revenue (TTM)—
Gross profit—
EBITDA—
Net income—
EPS (TTM)—
Free cash flow—
Total cash—
Total debt—
Book value / share—
Shares outstanding—
Float—
Short % of float—
Dividend yield—
Beta (5Y)—
Valuation & profitability ratios
Trailing P/E—
Forward P/E—
PEG ratio—
Price / sales—
Price / book—
EV / revenue—
EV / EBITDA—
Gross margin—
Operating margin—
Profit margin—
Return on equity—
Return on assets—
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $774.43M | $766.68M | $670.70M | $662.46M | +1.0% |
| Operating revenue | $774.43M | $766.68M | $670.70M | $662.46M | +1.0% |
| Selling, general & admin | $74.87M | $72.64M | $61.68M | $70.40M | +3.1% |
| Net interest income | -$7.89M | -$10.93M | -$11.21M | -$8.81M | +27.9% |
| Pre-tax income | $259.26M | $82.68M | $52.01M | -$166.17M | +213.6% |
| Tax provision | $63.67M | $21.14M | $6.70M | -$11.81M | +201.2% |
| Net income | $195.59M | $61.54M | $45.31M | -$154.36M | +217.8% |
| Net income to common | $195.59M | $61.54M | $45.31M | -$154.36M | +217.8% |
| Basic EPS | 6.33 | 2.01 | 1.73 | -5.86 | +214.9% |
| Diluted EPS | 6.32 | 2.01 | 1.73 | -5.86 | +214.4% |
| EBIT | $267.15M | $93.61M | $63.22M | -$157.36M | +185.4% |
| Basic shares | 30.89M | 30.60M | 26.19M | 26.34M | +1.0% |
| Diluted shares | 30.95M | 30.65M | 26.25M | 26.34M | +1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $559.27M | $452.67M | $463.64M | $280.88M | +23.6% |
| Cash & short-term investments | $658.68M | $544.00M | $553.17M | $394.56M | +21.1% |
| Accounts receivable | $413.92M | $842.34M | $571.92M | $897.81M | -50.9% |
| Property, plant & equipment | $45.73M | $59.01M | $57.66M | $53.20M | -22.5% |
| Goodwill & intangibles | $30.19M | $36.37M | $42.55M | $49.58M | -17.0% |
| Total assets | $2.20B | $2.47B | $2.12B | $2.39B | -11.1% |
| Current debt | $74.06M | $80.13M | $89.63M | $99.13M | -7.6% |
| Long-term debt | $4.37M | $36.19M | $30.11M | $29.82M | -87.9% |
| Total debt | $99.81M | $141.34M | $148.19M | $160.19M | -29.4% |
| Total liabilities | $1.69B | $2.18B | $1.90B | $2.26B | -22.4% |
| Retained earnings | $283.25M | $87.66M | $26.12M | -$19.19M | +223.1% |
| Shareholder equity | $505.25M | $290.80M | $220.28M | $131.04M | +73.7% |
| Net tangible assets | $475.06M | $254.43M | $177.72M | $81.46M | +86.7% |
| Shares issued | 43.17M | 42.84M | 42.45M | 37.77M | +0.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $195.59M | $61.54M | $45.31M | -$154.36M | — | +217.8% |
| Depreciation & amortisation | $12.70M | $9.55M | $8.69M | $8.36M | — | +33.0% |
| Stock-based compensation | $5.39M | $3.25M | $1.36M | $2.01M | — | +65.6% |
| Change in working capital | -$28.85M | $18.62M | $15.48M | $24.96M | — | -254.9% |
| Operating cash flow | $182.24M | $87.09M | $70.42M | -$34.26M | — | +109.2% |
| Capital expenditure | -$8.07M | -$8.23M | -$9.89M | -$12.38M | — | +1.9% |
| Investing cash flow | -$32.67M | -$91.60M | $100.81M | -$37.86M | — | +64.3% |
| Share buybacks | -$2.28M | -$3.00K | $0 | -$7.34M | — | -76,000.0% |
| Dividends paid | — | — | -$11.00K | -$4.77M | -$6.71M | — |
| Financing cash flow | -$40.63M | -$5.19M | $14.55M | -$5.06M | — | -682.8% |
| Free cash flow | $174.16M | $78.86M | $60.52M | -$46.64M | — | +120.8% |
| End cash position | $572.58M | $463.64M | $473.34M | $287.57M | — | +23.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $214.19M | $227.26M | $142.42M | $212.46M | $208.03M | -5.7% |
| Operating revenue | $214.19M | $227.26M | $142.42M | $212.46M | $208.03M | -5.7% |
| Selling, general & admin | $23.78M | $28.51M | $4.27M | $22.34M | $24.40M | -16.6% |
| Net interest income | -$1.69M | -$1.78M | -$1.73M | -$1.85M | -$1.88M | +5.0% |
| Pre-tax income | $82.16M | $49.04M | $87.95M | $68.32M | $62.99M | +67.5% |
| Tax provision | $20.45M | $12.56M | $21.27M | $17.89M | $14.97M | +62.9% |
| Net income | $61.71M | $36.48M | $66.67M | $50.42M | $48.02M | +69.1% |
| Net income to common | $61.71M | $36.48M | $66.67M | $50.42M | $48.02M | +69.1% |
| Basic EPS | 2.06 | 1.19 | 2.16 | 1.63 | 1.55 | +73.1% |
| Diluted EPS | 2.05 | 1.19 | 2.15 | 1.63 | 1.55 | +72.3% |
| EBIT | $83.85M | $50.82M | $89.68M | $70.17M | $64.87M | +65.0% |
| Basic shares | 30.02M | 30.68M | 30.90M | 30.96M | 31.00M | -2.2% |
| Diluted shares | 30.08M | 30.74M | 30.96M | 31.02M | 31.06M | -2.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $587.60M | $517.07M | $559.27M | $560.43M | $473.46M | +13.6% |
| Cash & short-term investments | $715.50M | $625.06M | $658.68M | $666.38M | $571.29M | +14.5% |
| Accounts receivable | $399.21M | $355.17M | $413.92M | $467.01M | $623.77M | +12.4% |
| Property, plant & equipment | $45.17M | $46.75M | $45.73M | $46.01M | $58.02M | -3.4% |
| Goodwill & intangibles | $27.15M | $28.64M | $30.19M | $31.73M | $33.28M | -5.2% |
| Total assets | $2.45B | $2.02B | $2.20B | $2.37B | $2.54B | +21.3% |
| Current debt | $72.19M | $73.13M | $74.06M | $75.00M | $75.38M | -1.3% |
| Long-term debt | -$901.00K | $4.49M | $4.37M | $4.25M | $16.99M | -120.1% |
| Total debt | $91.83M | $99.05M | $99.81M | $101.66M | $115.49M | -7.3% |
| Total liabilities | $1.88B | $1.50B | $1.69B | $1.93B | $2.15B | +25.6% |
| Retained earnings | $381.44M | $319.73M | $283.25M | $216.57M | $166.15M | +19.3% |
| Shareholder equity | $567.73M | $520.37M | $505.25M | $437.25M | $383.30M | +9.1% |
| Net tangible assets | $540.58M | $491.73M | $475.06M | $405.52M | $350.02M | +9.9% |
| Shares issued | 29.73M | 43.04M | 43.17M | 43.25M | 43.25M | -30.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $61.71M | $36.48M | $66.67M | $50.42M | $48.02M | +69.2% |
| Depreciation & amortisation | $2.90M | $3.15M | $3.54M | $3.30M | $2.98M | -7.9% |
| Stock-based compensation | $1.69M | $986.00K | $1.24M | $1.24M | $1.65M | +71.2% |
| Change in working capital | $75.63M | -$17.01M | -$58.44M | $71.92M | -$18.75M | +544.7% |
| Operating cash flow | $141.69M | $24.86M | $13.81M | $124.30M | $43.29M | +469.9% |
| Capital expenditure | -$657.00K | -$1.82M | -$2.86M | -$1.58M | -$1.53M | +63.8% |
| Investing cash flow | -$52.58M | -$44.30M | -$11.57M | -$24.36M | $6.72M | -18.7% |
| Share buybacks | -$14.58M | -$10.01M | $0 | -$2.28M | $0 | -45.8% |
| Financing cash flow | -$21.02M | -$19.85M | -$3.38M | -$13.15M | -$2.45M | -5.9% |
| Free cash flow | $141.03M | $23.05M | $10.95M | $122.72M | $41.76M | +511.9% |
| End cash position | $601.38M | $533.29M | $572.58M | $573.73M | $486.93M | +12.8% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
Consensus—
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders—
Held by institutions—
Institutions holding—
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
33.37
+1.40% from price
SMA 20
31.98
+5.82% from price
SMA 50
28.29
+19.62% from price
SMA 100
26.73
+26.59% from price
SMA 200
27.02
+25.25% from price
EMA 12
32.96
+2.68% from price
EMA 26
31.27
+8.21% from price
EMA 50
29.36
+15.27% from price
RSI (14)
65.3
Neutral
MACD (12,26,9)
1.68
Hist -0.03
ATR (14)
1.51
4.47% of price
Realised vol 30D
59.3%
Annualised
Bollinger upper
35.89
20, 2σ
Bollinger lower
28.07
20, 2σ
50 / 200 cross
Golden
28.29 vs 27.02
Trend bias
Above 200
+25.25%
Risk profile
Beta vs SPY
-0.11
Less volatile than market
Correlation to SPY
-0.02
Largely independent
Realised vol 30D
59.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-32.9%
Peak to trough
Max drawdown 5Y
-81.9%
Peak to trough
ATR 14
1.51
4.47% of price
Beta (reported)
—
5Y monthly, from filing
Headlines
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Heritage Insurance Holdings (HRTG) Q2 2026 Earnings Call Transcript
Motley Fool · 10d ago
PRIVATE STRATEGY · BY QUALIFICATION
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