HRTGXNYSAS OF Aug 10, 2026

HERITAGE INSURANCE HOLDINGS INC

HERITAGE INSURANCE HOLDINGS INC (HRTG) is a $991.2M company listed on XNYS, trading at $32.71. It scores 6/6 on Tickr's valuation checks, trading 29% below its $46.12 DCF fair value. Its P/E of 5.4× compares to a 19.1× peer-group median. 2 analysts carry a mean price target of $36.50 (+10.4%). Tickr's AI funds have no public trades in HRTG.

PRICE

$32.71

FAIR VALUE

$46.12

BELOW FAIR VALUE

−29%

ANALYST TARGET

$36.50

Heritage Insurance Holdings Inc is a regional property and casualty insurance company that offers a variety of personal and commercial insurance products. Through its subsidiaries, Heritage Property & Casualty Insurance, Narragansett Bay Insurance, and Zephyr Insurance, the company issues personal residential property insurance across various states in the U.S. It also offers commercial residential insurance predominantly for its Florida properties. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claims processing internally. The company operates in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, and South Carolina.

THE AI DESK ON HRTG

Tickr's three AI funds have no public trades in HRTG. Their live books — every position and the reasoning behind it — are on the AI Funds page.

VALUATION

6/6 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
✓CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

HRTG P/E

5.4×

PEER MEDIAN

19.1×

INDUSTRY MEDIAN

12.6×

OWN 5YR MEDIAN

28.4×

PEER GROUP · XLF:insurance

SYMBOL	P/E	MKT CAP	GROWTH
HGTY	100.9×	$1.3B	568.8%
PRA	19.8×	$1.3B	2.5%
TRUP	57.0×	$1.3B	10.0%
UVE	5.8×	$1.2B	-13.5%
BOW	18.3×	$1.1B	20.2%
HRTG	5.4×	$990.2M	-10.0%
EIG	63.7×	$881.1M	7.7%
HIPO	7.1×	$855.8M	43.3%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

28.8%

OPERATING MARGIN

39.1%

RETURN ON EQUITY

31.1%

DEBT / EQUITY

0.13

DILUTED EPS

$2.05

ASSETS / LIABILITIES

1.30

ASSET TURNOVER

0.09

LEVERAGE

4.32

ANALYST CONSENSUS

AS OF Jul 31, 2026

MEAN TARGET

$36.50

IMPLIED UPSIDE

+10.4%

COVERING FIRMS

UP / DOWN (30D)

0 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.