NYSE:HRTG (USA)

Heritage Insurance Holdings Inc

$ 13.95 -0.13 (-0.92%)
Volume: 5,438 Avg Vol (1m): 184,250
Market Cap $: 418.68 Mil Enterprise Value $: -248,230,000.00
P/E (TTM): 19.66 P/B: 0.93
Earnings Power Value 22.27
Net Current Asset Value 0
Tangible Book 7.04
Projected FCF 68.82
Median P/S Value 18.68
Graham Number 10.6
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4.4/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 1.99
Cash-To-Debt range over the past 10 years
Min: 0.83, Med: 10000, Max: 10000
Current: 1.99
0.83
10000
Equity-to-Asset 0.26
Equity-to-Asset range over the past 10 years
Min: 0.19, Med: 0.35, Max: 0.44
Current: 0.26
0.19
0.44
Debt-to-Equity 0.32
Debt-to-Equity range over the past 10 years
Min: 0.04, Med: 0.35, Max: 0.63
Current: 0.32
0.04
0.63
Debt-to-EBITDA 3.94
Debt-to-EBITDA range over the past 10 years
Min: -0.27, Med: -0.27, Max: 3.94
Current: 3.94
-0.27
3.94
Beneish M-Score -3.63
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 7.5%
WACC 6.06%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 3.97
Net Margin range over the past 10 years
Min: -97.09, Med: 7.71, Max: 27.41
Current: 3.97
-97.09
27.41
ROE % 4.76
ROE range over the past 10 years
Min: -19.44, Med: 9.48, Max: 63.3
Current: 4.76
-19.44
63.3
ROA % 1.06
ROA range over the past 10 years
Min: -6.68, Med: 3.62, Max: 18.81
Current: 1.06
-6.68
18.81
3-Year Total Revenue Growth Rate 6.70
3-Year Revenue Growth Rate range over the past 10 years
Min: 12.2, Med: 24.95, Max: 144
Current: 12.2
12.2
144
3-Year EPS w/o NRI Growth Rate -30.10
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: -15.05, Max: -21.5
Current: -30.1
0
-21.5

» HRTG's 30-Y Financials

Financials (Next Earnings Date: 2019-08-02)

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Business Description

Industry Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS : 524126    SIC : 6331
Compare HSTC:PVI BKK:AYUD TPE:2850 NAS:GBLI HKSE:00222 BKK:TIP NAS:DGICB NYSE:HCI NAS:NODK SGX:U13 XKRX:000400 XKRX:000370 ISX:ABDA XKRX:000540 NAS:PTVCB BKK:SMK XTAE:ZUR NAS:FNHC NAS:HALL TSE:8715
Traded in other countries
Address 2600 McCormick Drive, Suite 300, Clearwater, FL, USA, 33759
Heritage Insurance Holdings Inc is a provider of property and casualty insurance products. The company primarily offers personal residential insurance for single-family homeowners and condominium owners, rental property insurance, and commercial residential insurance in Florida and North Carolina. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claim processing internally.

Ratios

Current vs industry vs history
PE Ratio (TTM) 19.66
PE Ratio range over the past 10 years
Min: 5.68, Med: 14.22, Max: 1743
Current: 19.66
5.68
1743
PE Ratio without NRI 19.66
PE without NRI range over the past 10 years
Min: 5.68, Med: 14.22, Max: 1743
Current: 19.66
5.68
1743
Price-to-Owner-Earnings 2.54
Price-to-Owner-Earnings range over the past 10 years
Min: 2.39, Med: 5.78, Max: 7.83
Current: 2.54
2.39
7.83
PB Ratio 0.93
PB Ratio range over the past 10 years
Min: 0.73, Med: 1.16, Max: 2.61
Current: 0.93
0.73
2.61
PS Ratio 0.78
PS Ratio range over the past 10 years
Min: 0.65, Med: 1.04, Max: 2.5
Current: 0.78
0.65
2.5
Price-to-Free-Cash-Flow 2.11
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.87, Med: 3.38, Max: 31.94
Current: 2.11
1.87
31.94
Price-to-Operating-Cash-Flow 2.06
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.83, Med: 3.32, Max: 31.36
Current: 2.06
1.83
31.36
EV-to-EBIT -9.54
EV-to-EBIT range over the past 10 years
Min: -89.6, Med: 8.95, Max: 166.1
Current: -9.54
-89.6
166.1
EV-to-EBITDA -7.09
EV-to-EBITDA range over the past 10 years
Min: -145.7, Med: 6.55, Max: 164.3
Current: -7.09
-145.7
164.3
EV-to-Revenue -0.51
EV-to-Revenue range over the past 10 years
Min: -0.6, Med: 0.9, Max: 2.3
Current: -0.51
-0.6
2.3

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.72
Trailing Dividend Yield range over the past 10 years
Min: 0.22, Med: 1.54, Max: 2.56
Current: 1.72
0.22
2.56
Dividend Payout Ratio 0.34
Dividend Payout Ratio range over the past 10 years
Min: 0.02, Med: 0.2, Max: 0.34
Current: 0.34
0.02
0.34
3-Year Dividend Growth Rate (Per Share) 68.70
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 68.7
Current: 68.7
0
68.7
Forward Dividend Yield % 1.70
N/A
Yield-on-Cost (5-Year) % 1.73
Yield-on-Cost (5y) range over the past 10 years
Min: 0.22, Med: 1.54, Max: 2.56
Current: 1.73
0.22
2.56
3-Year Share Buyback Rate 4.40
3-Year Share Buyback Rate range over the past 10 years
Min: -69.2, Med: 2.25, Max: 4.6
Current: 4.4
-69.2
4.6

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.98
Price-to-Tangible-Book range over the past 10 years
Min: 1.19, Med: 1.97, Max: 3.71
Current: 1.98
1.19
3.71
Price-to-Projected-FCF 0.20
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.2, Med: 0.21, Max: 0.32
Current: 0.2
0.2
0.32
Price-to-Median-PS-Value 0.75
Price-to-Median-PS-Value range over the past 10 years
Min: 0.73, Med: 0.99, Max: 2.28
Current: 0.75
0.73
2.28
Price-to-Graham-Number 1.33
Price-to-Graham-Number range over the past 10 years
Min: 0.55, Med: 1, Max: 8.83
Current: 1.33
0.55
8.83
Earnings Yield (Joel Greenblatt) % -10.38
Earnings Yield (Greenblatt) range over the past 10 years
Min: -14.26, Med: 4.3, Max: 13.7
Current: -10.38
-14.26
13.7

More Statistics

Revenue (TTM) (Mil) $ 486.41
EPS (TTM) $ 0.71
Beta 0.67
Volatility % 27.4
52-Week Range $ 12.85 - 17.9
Shares Outstanding (Mil) 30.01

Analyst Estimate

Piotroski F-Score Details