HRTG
Heritage Insurance Holdings, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Buy
+46/100
Last price
34.17
▲ 0.18 (0.53%)
MARKET · —
Price
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Interval
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
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H —
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Range —
Vol —
vs
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Open
—
Prev close
33.99
Day high
34.66
Day low
33.91
Volume
135.09K
Market cap
$1.02B
P/E (TTM)
4.87
52W range
20.48 – 36.50
Trailing performance
Returnvs SPY
1W
+2.03%
+0.1%
1M
+0.65%
-0.5%
3M
+25.39%
+20.9%
6M
+28.65%
+10.5%
YTD
+16.78%
+2.5%
1Y
+38.34%
+21.9%
3Y
+426.50%
+344.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on HRTG open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-78.83K
Net selling
Buy transactions
7
39.18K shares
Sell transactions
15
118.00K shares
Net transactions
+22
Buys less sells
Sell : buy shares
3.0 : 1
Mixed
Insider-held shares
5.70M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 18, 26 | JOHNS TIMOTHY E. Officer |
SELL | 3.50K | $121.58K | Direct |
| Sep 14, 26 | GARATEIX ERNIE J Chief Executive Officer |
SELL | 2.50K | $88.14K | Direct |
| Sep 9, 26 | BINNUN SHARON Officer |
SELL | 6.57K | $222.00K | Direct |
| Sep 3, 26 | GARATEIX ERNIE J Chief Executive Officer |
SELL | 2.50K | $87.75K | Direct |
| Sep 1, 26 | BINNUN SHARON Officer |
SELL | 9.20K | $311.99K | Direct |
| Aug 24, 26 | GARATEIX ERNIE J Chief Executive Officer |
SELL | 10.00K | $348.75K | Direct |
| Aug 19, 26 | JOHNS TIMOTHY E. Officer |
SELL | 3.50K | $117.86K | Direct |
| Aug 18, 26 | GARATEIX ERNIE J Chief Executive Officer |
SELL | 10.00K | $344.27K | Direct |
| Aug 17, 26 | LUSK KIRK H. Chief Financial Officer |
SELL | 10.00K | $341.59K | Direct |
| Aug 10, 26 | MOURA TIMOTHY Officer |
SELL | 15.10K | $490.68K | Direct |
| Aug 3, 26 | BINNUN SHARON Officer |
SELL | 9.20K | $276.29K | Direct |
| Jul 1, 26 | BINNUN SHARON Officer |
SELL | 9.20K | $244.49K | Direct |
| Jun 22, 26 | BINNUN SHARON Officer |
SELL | 9.20K | $224.10K | Direct |
| Jun 11, 26 | WHITING PAUL L Director |
STOCK | 9.66K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
APOSTOLOU PANAGIOTIS |
Director | 169.97K | Stock Award(Grant) |
BARLAS IRINI |
Director | — | Stock Award(Grant) |
BERSET MARK S |
Director | 761.48K | Stock Award(Grant) |
BINNUN SHARON |
Officer | 80.62K | Sale |
GARATEIX ERNIE J |
Chief Executive Officer | 1.04M | Sale |
LUSK KIRK H. |
Chief Financial Officer | 492.52K | Sale |
MOURA TIMOTHY |
Officer | 144.94K | Sale |
WALVEKAR VIJAY |
Director | — | Sale |
WHITING PAUL L |
Director | 157.04K | Stock Gift |
WIDDICOMBE RICHARD A |
Director | 451.75K | Stock Award(Grant) |
Fundamentals
Market cap$1.02B
Enterprise value$490.68M
Revenue (TTM)$854.63M
Gross profit$387.91M
EBITDA$307.41M
Net income$215.29M
EPS (TTM)$7.01
Free cash flow$257.34M
Total cash$587.60M
Total debt$91.83M
Book value / share$19.67
Shares outstanding29.73M
Float22.66M
Short % of float3.17%
Dividend yield0.00%
Beta (5Y)0.92
Valuation & profitability ratios
Trailing P/E4.87
Forward P/E6.59
PEG ratio—
Price / sales—
Price / book1.74
EV / revenue0.57
EV / EBITDA1.60
Gross margin45.39%
Operating margin39.15%
Profit margin25.19%
Return on equity45.28%
Return on assets7.38%
Debt / equity16.18
Current ratio0.82
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% |
Options analytics
Put / call volume
0.26
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
20.00
-41.5% from spot
ATM implied vol
3.1%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
23
Contracts, this expiry
Put volume
6
Contracts, this expiry
Heaviest call OI
30.00
0 contracts
Heaviest put OI
20.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.25 | 2.05 | +64.6% |
| Mar 2026 | 1.53 | 1.19 | -22.5% |
| Dec 2025 | 1.74 | 2.15 | +24.1% |
| Sep 2025 | 0.53 | 1.56 | +194.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.77 | 3 | $217.06M | +2.2% |
| Next quarter | 1.33 | 3 | $217.75M | +1.1% |
| Current year | 5.18 | 2 | $861.67M | +1.7% |
| Next year | 5.18 | 3 | $898.74M | +4.3% |
Analyst targets & ownership
Mean target$39.00
High target$42.00
Low target$36.00
Implied upside14.14%
Analyst count2
ConsensusBUY
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders19.74%
Held by institutions67.42%
Institutions holding268
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
33.54
+1.88% from price
SMA 20
34.04
+0.37% from price
SMA 50
33.36
+2.42% from price
SMA 100
28.95
+18.04% from price
SMA 200
27.90
+22.49% from price
EMA 12
33.83
+0.99% from price
EMA 26
33.70
+1.40% from price
EMA 50
32.67
+4.60% from price
RSI (14)
55.4
Neutral
MACD (12,26,9)
0.14
Hist -0.08
ATR (14)
0.77
2.26% of price
Realised vol 30D
20.3%
Annualised
Bollinger upper
35.42
20, 2σ
Bollinger lower
32.67
20, 2σ
50 / 200 cross
Golden
33.36 vs 27.90
Trend bias
Above 200
+22.49%
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.
Risk profile
Beta vs SPY
-0.13
Less volatile than market
Correlation to SPY
-0.03
Largely independent
Realised vol 30D
20.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-32.9%
Peak to trough
Max drawdown 5Y
-81.9%
Peak to trough
ATR 14
0.77
2.26% of price
Beta (reported)
0.92
5Y monthly, from filing
Short interest
Shares short
852.46K
Prior 661.85K
Change vs prior
+28.8%
Shorts adding
% of float
3.17%
Normal
% of shares out
2.87%
Against total outstanding
Days to cover
3.5
Liquid
Float
22.66M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 7, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Jul 15, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 11, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Mar 10, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Nov 7, 25 | Truist Securities | MAINTAINED | Buy | Buy |
| Sep 19, 25 | Truist Securities | MAINTAINED | Buy | Buy |
| May 8, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 8, 25 | Truist Securities | MAINTAINED | Buy | Buy |
| Mar 13, 25 | Citizens Capital Markets | MAINTAINED | Market Perform | Market Perform |
| Aug 9, 24 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Aug 8, 24 | Truist Securities | MAINTAINED | Buy | Buy |
| Apr 15, 24 | JMP Securities | MAINTAINED | — | Market Perform |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield2.74%
Payout ratio0.00%
Ex-dividend dateJun 13, 2022
Next pay dateJul 5, 2022
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-06-11
Corporate Changes & Voting Matters
8-K · 2026-05-29
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-07
Proxy Statements
DEF 14A · 2026-04-30
Periodic Financial Reports
10-K/A · 2026-03-19
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