Heritage Insurance Holdings Inc
Research Heritage Insurance Holdings Inc (HRTG) on Bullrun: valuation model: 37.2% undervalued, market cap USD 1.02B, P/E 4.9. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerHRTG
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryInsurance-Property & Casualty
- CurrencyUSD
- Valuation signal37.2% undervalued
- Market capUSD 1.02B
- P/E4.9
- Financial periodQ2 2026
- RevenueUSD 214.20M
- Net incomeUSD 61.71M
- Free cash flowUSD 141.03M
Valuation Snapshot
Bullrun's latest valuation model marks Heritage Insurance Holdings Inc as 37.2% undervalued; latest market cap is USD 1.02B; P/E is 4.9.
Peer valuation comparison
Latest P/E is 4.87x versus a Financial Services sector median of 13.84x (64.8% below).
Latest P/E is 4.87x versus a United States median of 24.87x (80.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 847.33M | USD 195.59M | USD 174.16M | n/a | 6.32 | USD 559.27M | USD 78.43M | USD 505.25M |
| FY2024 | USD 816.99M | USD 61.54M | USD 78.87M | n/a | 2.01 | USD 452.67M | USD 116.32M | USD 290.80M |
| FY2023 | USD 735.50M | USD 45.31M | USD 60.53M | n/a | 1.73 | USD 463.64M | USD 119.73M | USD 220.28M |
| FY2022 | USD 662.46M | -USD 154.36M | -USD 42.82M | n/a | -5.86 | USD 280.88M | USD 128.94M | USD 131.04M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 1.02B | 4.9 | n/a | n/a |
| 2025 | 2025-12-31 | USD 902.20M | 4.6 | n/a | n/a |
| 2024 | 2024-12-31 | USD 370.34M | 6.0 | n/a | n/a |
| 2023 | 2023-12-29 | USD 197.45M | 6.2 | n/a | n/a |
| 2022 | 2022-12-30 | USD 46.58M | n/a | 6.7% | 0.12 |
| 2021 | 2021-12-31 | USD 157.31M | n/a | 4.1% | 0.24 |
Dividend history
| Year | Dividends/share |
|---|---|
| FY2022 | 0.24 USD |
About Heritage Insurance Holdings Inc
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York.
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Frequently asked questions
Is Heritage Insurance Holdings Inc overvalued or undervalued?
Bullrun's valuation model currently marks Heritage Insurance Holdings Inc as 37.2% undervalued.
What is Heritage Insurance Holdings Inc's market cap?
Heritage Insurance Holdings Inc's market capitalization is USD 1.02B.
What is Heritage Insurance Holdings Inc's P/E ratio?
Heritage Insurance Holdings Inc's price-to-earnings (P/E) ratio is 4.9.
What does Heritage Insurance Holdings Inc do?
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program.