Heritage Insurance Hldgs Inc (HRTG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Heritage Insurance Hldgs Inc stock (HRTG) is currently trading at $26.41. Heritage Insurance Hldgs Inc PE ratio is 4.06. Heritage Insurance Hldgs Inc PS ratio (Price-to-Sales) is 0.94. Analyst consensus price target for HRTG is $36.50. WallStSmart rates HRTG as Moderate Buy.
- HRTG PE ratio analysis and historical PE chart
- HRTG PS ratio (Price-to-Sales) history and trend
- HRTG intrinsic value — DCF, Graham Number, EPV models
- HRTG stock price prediction 2025 2026 2027 2028 2029 2030
- HRTG fair value vs current price
- HRTG insider transactions and insider buying
- Is HRTG undervalued or overvalued?
- Heritage Insurance Hldgs Inc financial analysis — revenue, earnings, cash flow
- HRTG Piotroski F-Score and Altman Z-Score
- HRTG analyst price target and Smart Rating
Heritage Insurance Hldgs Inc
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HRTG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Heritage Insurance Hldgs Inc (HRTG)
HRTG trades at a significant discount to its Graham intrinsic value of $295.78, offering a 91% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Heritage Insurance Hldgs Inc (HRTG) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Concerns around revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Heritage Insurance Hldgs Inc (HRTG) Key Strengths (7)
Every $100 of shareholder equity generates $49 in profit
Keeps $42 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Earnings per share surging 226.00% year-over-year
Keeps $23 of every $100 in revenue as net profit
Trading at 1.56x book value, attractively priced
65.83% held by institutions, strong professional interest
Supporting Valuation Data
Heritage Insurance Hldgs Inc (HRTG) Areas to Watch (2)
Revenue growing slowly at 2.40% annually
Small-cap company with higher risk but more growth potential
Heritage Insurance Hldgs Inc (HRTG) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.4/10) while 2 fall into concern territory (avg 3.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Price/Sales. Valuation metrics including Price/Sales (0.94), Price/Book (1.56) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 49.10%, Operating Margin at 41.60%, Profit Margin at 23.10%. Growth metrics are encouraging with EPS Growth at 226.00%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap. Growth concerns include Revenue Growth at 2.40%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 49.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 2.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Return on Equity and Operating Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HRTG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HRTG's Price-to-Sales ratio of 0.94x sits near its historical average of 1.1x (56th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 85% below its historical high of 6.15x set in Dec 2014, and 1237% above its historical low of 0.07x in Oct 2022. Over the past 12 months, the PS ratio has expanded from ~0.6x, reflecting growing market expectations outpacing revenue growth.
Compare HRTG with Competitors
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Data-driven financial summary for Heritage Insurance Hldgs Inc (HRTG) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Heritage Insurance Hldgs Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 847M with 240% growth year-over-year. Profit margins are strong at 23.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 240% YoY, reaching 847M. This pace significantly outperforms most INSURANCE - PROPERTY & CASUALTY peers.
ROE of 4910.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Heritage Insurance Hldgs Inc maintain 240%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Heritage Insurance Hldgs Inc.
Bottom Line
Heritage Insurance Hldgs Inc offers an attractive blend of growth (240% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(23 last 3 months)
| Insider | Type | Shares |
|---|---|---|
GARATEIX, ERNIE J Director, Chief Executive Officer | Sell | -8,334 |
| Insider | Type | Shares |
|---|---|---|
BINNUN, SHARON Chief Accounting Officer | Sell | -7,893 |
Data sourced from SEC Form 4 filings
Last updated: 8:25:15 AM
About Heritage Insurance Hldgs Inc(HRTG)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.