Stocktoria
Heritage Insurance Holdings, Inc. HRTG
Heritage Insurance Holdings, Inc. (HRTG) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 0.00% (safety: no dividend). FY2025 revenue was $847.3M at a 23.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| HRTG | Heritage Insurance Holdings, Inc. | 5/9 | — | 4 | +3.7% |
| EIG | Employers Holdings, Inc. | 5/9 | — | 85.7 | -2.5% |
| PLMR | Palomar Holdings, Inc. | 5/9 | — | 17 | +58.2% |
| HCI | HCI Group, Inc. | 5/9 | — | 7.7 | +20.1% |
| LMND | Lemonade, Inc. | 3/9 | — | — | +40.2% |
| GLRE | GREENLIGHT CAPITAL RE, LTD. | 6/9 | — | 7.4 | +4.8% |
| DGICA | DONEGAL GROUP INC | 3/9 | — | 9.2 | -1.2% |
All Finance, Insurance & Real Estate companies →
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. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
FAQ
Is HRTG financially healthy?
Heritage Insurance Holdings, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does HRTG pay a dividend, and is it safe?
Yes. Heritage Insurance Holdings, Inc. pays a dividend yielding about 0.00% with a None payout ratio, rated “no dividend” for safety.
How profitable is HRTG?
In FY2025, Heritage Insurance Holdings, Inc. had a net margin of 23.1% and a return on equity of 38.7%.
Is HRTG overvalued or undervalued?
Heritage Insurance Holdings, Inc. trades at about 5.2× trailing earnings — below its 10-year norm (10-year range 3.5×–28.2×, median 10.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for HRTG?
The average Wall-Street price target for Heritage Insurance Holdings, Inc. is $31.50, about 4.4% below the recent price, from 2 analysts (consensus: buy).
Is HRTG a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Heritage Insurance Holdings, Inc.: a Piotroski F-score of 5/9, a P/E of about 4.0×, a dividend yield of 0.00%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.