HRTG
NEUTRALAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Ref P/E, PEG, Graham Number
- P/E of 4.73 is deeply undervalued
- Price is well below Graham Number ($49.47)
- Low valuation may reflect market skepticism of earnings quality
Ref Growth rates
- Massive YoY earnings growth (226%)
- Revenue growth is nearly flat (2.4%)
- Q/Q revenue growth is sharply negative (-32.27%)
Ref Historical trends
- Consistent earnings beats in the last 4 quarters
- Strong 3Y and 5Y price appreciation
- High volatility in historical quarterly EPS
Ref Altman Z-Score, Piotroski F-Score
- Low Debt/Equity ratio
- Piotroski F-Score of 3/9 is weak
- Current ratio below 1.0 indicates liquidity risk
Ref Yield, Payout
- No dividend payments
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HRTG and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HRTG
Heritage Insurance Holdings, Inc.
Primary
|
+230.6% | +825.7% | +58.3% | +27.1% | +15.8% | +9.5% |
|
MBWM
Mercantile Bank Corporation
Peer
|
+101.4% | +106.2% | +36.6% | +21.2% | +9.5% | -0.1% |
|
AWF
AllianceBernstein Global High Income Fund
Peer
|
+32.4% | +32.7% | +5.2% | -0.2% | -1.0% | +0.7% |
|
BFST
Business First Bancshares, Inc.
Peer
|
+34.8% | +98.0% | +22.3% | +14.3% | +5.5% | -2.5% |
|
CHY
Calamos Convertible and High Income Fund
Peer
|
+18.4% | +43.7% | +38.4% | +5.6% | +1.1% | +4.7% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HRTG
Heritage Insurance Holdings, Inc.
|
NEUTRAL | $918.56M | 4.73 | 49.1% | 23.1% | $29.9 | |
|
MBWM
Mercantile Bank Corporation
|
NEUTRAL | $919.96M | 9.83 | 13.6% | 37.2% | $53.26 | Compare |
|
AWF
AllianceBernstein Global...
|
NEUTRAL | $914.03M | 12.47 | 7.4% | 98.9% | $10.6 | Compare |
|
BFST
Business First Bancshares, Inc.
|
BULLISH | $923.88M | 10.13 | 10.4% | 28.1% | $28.26 | Compare |
|
CHY
Calamos Convertible and...
|
BULLISH | $912.29M | 4.87 | 21.1% | 851.2% | $11.4 | Compare |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-20 | GARATEIX ERNESTO J | Chief Executive Officer | Sale | 8,334 | $229,653 |
| 2026-04-02 | MOURA TIMOTHY | Officer | Sale | 50,490 | $1,301,437 |
| 2026-04-01 | BINNUN SHARON | Officer | Sale | 9,200 | $236,588 |
| 2026-03-20 | GARATEIX ERNESTO J | Chief Executive Officer | Sale | 8,334 | $211,579 |
| 2026-03-19 | MOURA TIMOTHY | Officer | Sale | 29,133 | $775,761 |
| 2026-03-17 | BINNUN SHARON | Officer | Sale | 7,893 | $223,751 |
| 2026-03-05 | JOHNS TIMOTHY E. | Officer | Stock Award | 2,599 | - |
| 2026-03-05 | GARATEIX ERNESTO J | Chief Executive Officer | Stock Award | 107,085 | - |
| 2026-03-05 | BINNUN SHARON | Officer | Stock Award | 15,184 | - |
| 2026-03-05 | LUSK KIRK H. | Chief Financial Officer | Stock Award | 42,758 | - |
| 2026-03-05 | MOURA TIMOTHY | Officer | Stock Award | 20,599 | - |
| 2026-02-20 | GARATEIX ERNESTO J | Chief Executive Officer | Sale | 8,334 | $200,999 |
| 2026-01-20 | GARATEIX ERNESTO J | Chief Executive Officer | Sale | 8,334 | $216,916 |
| 2025-12-22 | GARATEIX ERNESTO J | Chief Executive Officer | Sale | 8,334 | $245,669 |
| 2025-12-12 | GARATEIX ERNESTO J | Chief Executive Officer | Sale | 8,000 | $228,112 |
SEC Filings
Recent regulatory filings from the SEC EDGAR database
HRTG's 10-Q filing identifies key operational risks centered on the execution of its core business plan, liquidity, and the potential for rising material and labor costs. The company also notes uncertainties regarding geographic expansion, legislative impacts, and the management of claims. No specific financial performance metrics were provided in the available excerpts.
HRTG's 10-Q filing dated August 8, 2025, identifies key operational risks centered on the execution of its core business plan and geographic expansion. Financial risks include potential increases in material and labor costs, as well as the impact of legislation and claims-related expenses. No specific financial performance metrics were provided in the available excerpts.
Wall Street Analysts
Professional analyst ratings and price targets
Past News Coverage
Recent headlines mentioning HRTG from our newsroom.