A Business at a Glance
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Heritage Insurance Holdings, Inc. operates in the Fire, Marine & Casualty Insurance industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 842M | 817M | 735M | 662M | 632M | 593M |
| Net Income | 149M | 62M | 45M | -154M | -75M | 9.3M |
| EPS | $4.83 | $2.01 | $1.73 | $-5.86 | $-2.69 | $0.33 |
| Free Cash Flow | 105M | 79M | 61M | -43M | 59M | 169M |
| ROIC | 466.0% | 27.3% | 25.0% | -55.9% | -13.5% | 35.1% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.18 | 0.40 | 0.54 | 0.98 | 0.35 | 0.27 |
| Dividends/Share | $0.00 | - | - | $0.18 | $0.24 | $0.24 |
| Operating Income | 209M | 94M | 63M | -157M | -68M | 10M |
| Operating Margin | 24.8% | 11.5% | 8.6% | -23.8% | -10.8% | 1.7% |
| ROE | 34.1% | 24.1% | 20.6% | -117.8% | -21.8% | 2.1% |
| Shares Outstanding | 31M | 31M | 26M | 26M | 28M | 28M |
Heritage Insurance Holdings, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Heritage Insurance Holdings, Inc. trades at 5.5x trailing earnings, compared to its 15-year median P/E of 12.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 7.8x vs a median of 3.7x. The company's 5-year average ROIC is 3.6%. At current prices, the estimated annualized return to fair value is -11.1%.
Heritage Insurance Holdings, Inc. (HRTG) has a current P/E ratio of 5.5, compared to its historical median P/E of 12.2. The stock is currently considered Fair based on its historical valuation range.
Heritage Insurance Holdings, Inc. (HRTG) has a 5-year average return on invested capital (ROIC) of 3.6%. This is below average and may indicate limited pricing power.
Heritage Insurance Holdings, Inc. (HRTG) has a market capitalization of $815M. It is classified as a small-cap stock.
Heritage Insurance Holdings, Inc. (HRTG) does not currently pay a regular dividend.
Based on historical P/E analysis, Heritage Insurance Holdings, Inc. (HRTG) appears fair. The current P/E of 5.5 is 55% below its historical median of 12.2. The estimated fair value CAGR (P/E method) is 27.5%.
Heritage Insurance Holdings, Inc. (HRTG) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
Heritage Insurance Holdings, Inc. (HRTG) reported annual revenue of $817 million in its most recent fiscal year, based on SEC EDGAR filings.
Heritage Insurance Holdings, Inc. (HRTG) has a net profit margin of 7.5%. This is a modest margin.
Heritage Insurance Holdings, Inc. (HRTG) generated $79 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Heritage Insurance Holdings, Inc. (HRTG) has a debt-to-equity ratio of 0.40. This indicates a conservatively financed balance sheet.
Heritage Insurance Holdings, Inc. (HRTG) reported earnings per share (EPS) of $2.01 in its most recent fiscal year.
Heritage Insurance Holdings, Inc. (HRTG) has a return on equity (ROE) of 24.1%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 12 years of financial data for Heritage Insurance Holdings, Inc. (HRTG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Heritage Insurance Holdings, Inc. (HRTG) has a book value per share of $9.50, based on its most recent annual SEC filing.