Heritage Insurance Holdings (HRTG) Stock Price
Heritage Insurance Holdings Price
Heritage Insurance Holdings (HRTG) Stock | ISIN US42727J1025 | WKN A113GG. The current Heritage Insurance Holdings stock price is 22.01 USD (2026). Revenue is 924.17 M USD. Net income is 134.45 M USD. The P/E ratio is 5.02. Market capitalization is 674.71 M USD. Heritage Insurance Holdings operates in the Finance sector.
Heritage Insurance Holdings stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Heritage Insurance Holdings over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Heritage Insurance Holdings stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Heritage Insurance Holdings's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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Heritage Insurance Holdings Revenue, EBIT, Net Income
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Heritage Insurance Holdings Income Statement, Balance Sheet, Cash Flow Statement
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Heritage Insurance Holdings generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Heritage Insurance Holdings retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Heritage Insurance Holdings's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Heritage Insurance Holdings has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Heritage Insurance Holdings's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Heritage Insurance Holdings stock margins
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Heritage Insurance Holdings Stock Revenue, EBIT, Earnings per Share
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Heritage Insurance Holdings business model & stock analysis
Heritage Insurance Holdings SWOT Analysis
Strengths
Heritage Insurance Holdings Inc boasts several key strengths that contribute to its success in the insurance industry. Firstly, the company has a strong financial position, backed by robust capital reserves and healthy cash flows. This stability allows Heritage Insurance to provide reliable coverage and handle claims efficiently. Additionally, the company has built a solid reputation for its exceptional customer service, ensuring high levels of customer satisfaction and loyalty. Moreover, Heritage Insurance benefits from a diverse product portfolio, offering a wide range of insurance solutions tailored to meet various needs and preferences.
Weaknesses
Despite its strengths, Heritage Insurance faces certain weaknesses that warrant attention. The company operates primarily in a specific geographic region, which exposes it to regional risks such as hurricanes and other natural disasters. This concentration increases the vulnerability of Heritage Insurance to unpredictable market conditions. Additionally, as a smaller player in the industry, Heritage Insurance may lack the same level of brand recognition and market share as larger competitors. This could pose challenges in terms of attracting new customers and expanding its reach.
Opportunities
Heritage Insurance can leverage several opportunities to further its growth and success. The increasing demand for insurance coverage presents a significant opportunity for the company to expand its customer base. By offering innovative and customizable insurance solutions, Heritage Insurance can differentiate itself from competitors and tap into new market segments. Furthermore, the company can explore strategic partnerships or acquisitions to enhance its geographic reach and diversify its product offerings. Embracing technology advancements and digitalization can also provide opportunities for streamlining operations and enhancing efficiency.
Threats
The insurance industry is not without threats, and Heritage Insurance must remain vigilant to mitigate potential risks. External factors such as changing regulatory environments and compliance requirements pose ongoing challenges. Moreover, the impact of climate change and the increasing frequency of natural disasters present significant threats to the company's operations, primarily in its concentrated geographic region. Furthermore, intense competition within the insurance market could exert pressure on pricing and profit margins. It is crucial for Heritage Insurance to adapt swiftly to emerging trends and remain agile in order to tackle these threats effectively.
Heritage Insurance Holdings Segments
Heritage Insurance Holdings Revenue by Segment
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Heritage Insurance Holdings Eulerpool Fair Value
Heritage Insurance Holdings historical P/E ratio, EBIT multiple, and P/S ratio
Heritage Insurance Holdings annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Heritage Insurance Holdings shares outstanding
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Heritage Insurance Holdings Dividend History
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Heritage Insurance Holdings dividend history and estimates
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Heritage Insurance Holdings dividend payout ratio
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Heritage Insurance Holdings Earnings Estimates
Heritage Insurance Holdings Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 5/7/2026 | 1.56USD | 221 MUSD | 2026 Q1 |
| 5/6/2026 | 1.56USD | 221 MUSD | 2026 Q1 |
| 5/4/2026 | 1.56USD | 221 MUSD | 2026 Q1 |
| 3/9/2026 | 1.38USD | 216.85 MUSD | 2025 Q4 |
| 2/26/2026 | 1USD | 216.85 MUSD | 2025 Q4 |
| 5/2/2024 | 0.61USD | 193.27 MUSD | 2024 Q1 |
| 2/29/2024 | 0.42USD | 188.81 MUSD | 2023 Q4 |
| 8/2/2023 | 0.19USD | 166.12 MUSD | 2023 Q2 |
| 5/3/2023 | 0.17USD | 162.37 MUSD | 2023 Q1 |
| 3/6/2023 | 0.13USD | 175.58 MUSD | 2022 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Heritage Insurance Holdings stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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Heritage Insurance Holdings shareholder structure
| % | Name |
|---|---|
7.10909% | |
5.37189% | |
5.2293% | |
4.63122% | |
4.00964% | |
3.07349% | |
2.59865% | |
2.48406% | |
2.1164% | |
1.88799% |
Heritage Insurance Holdings Executives and Management Board
Mr. Ernie Garateix
(53)Chief Executive Officer, Director · since 2012
Mr. Kirk Lusk
(64)Chief Financial Officer
Mr. Tim Moura
(52)President - Narragansett Bay Insurance Company
Ms. Sharon Binnun
(63)Chief Accounting Officer
Mr. Tim Johns
(69)President - Zephyr Insurance Company
Heritage Insurance Holdings Supply Chain
Frequently asked questions about Heritage Insurance Holdings
The business model of Heritage Insurance Holdings Inc is focused on providing property and casualty insurance products and services. As a leading insurance company, Heritage Insurance Holdings Inc operates through a network of trusted insurance agents to offer homeowners insurance, commercial residential insurance, and personal lines insurance. The company's business strategy revolves around managing risks, underwriting policies, and effectively handling claims to provide optimal coverage and protection for policyholders. With a strong emphasis on customer satisfaction and reliable insurance solutions, Heritage Insurance Holdings Inc aims to remain a trusted name in the insurance industry.
Heritage Insurance Holdings stock
Heritage Insurance Holdings Peer Group
Heritage Insurance Holdings Ticker
Heritage Insurance Holdings FIGI
All fundamentals and in-depth analysis of Heritage Insurance Holdings
Our stock analysis for Heritage Insurance Holdings Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Heritage Insurance Holdings Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.