Business Description
Heritage Insurance Holdings Inc
NAICS : 524126
SIC : 6331
ISIN : US42727J1025
Total Employee Number:
542Description
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.
Financial Strength
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 6.4 | |||||
Equity-to-Asset | 0.23 | |||||
Debt-to-Equity | 0.16 | |||||
Debt-to-EBITDA | 0.3 | |||||
Interest Coverage | 41.78 | |||||
Piotroski F-Score | 9/9 | |||||
Beneish M-Score | -2.9 | |||||
WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -0.2 | |||||
3-Year Book Growth Rate | 47.3 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | -6.22 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 64.46 | |||||
9-Day RSI | 65.98 | |||||
14-Day RSI | 65.95 | |||||
3-1 Month Momentum % | 15.25 | |||||
6-1 Month Momentum % | 14.47 | |||||
12-1 Month Momentum % | 30.28 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -6.5 | |||||
Shareholder Yield % | 5.64 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 27.04 | |||||
EBITDA Margin % | 38.6 | |||||
FCF Margin % | 37.4 | |||||
OCF Margin % | 38.27 | |||||
ROE % | 44.59 | |||||
ROA % | 9.3 | |||||
ROIC % | 15.66 | |||||
3-Year ROIIC % | -68.44 | |||||
Years of Profitability over Past 10-Year | 7 | |||||
Moat Score | 2 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 4.8 | |||||
Forward PE Ratio | 6.45 | |||||
PE Ratio without NRI | 4.8 | |||||
Shiller PE Ratio | 46.26 | |||||
Price-to-Owner-Earnings | 3.4 | |||||
PS Ratio | 1.3 | |||||
PB Ratio | 1.76 | |||||
Price-to-Tangible-Book | 1.85 | |||||
Price-to-Free-Cash-Flow | 3.46 | |||||
Price-to-Operating-Cash-Flow | 3.38 | |||||
EV-to-EBIT | 1.72 | |||||
EV-to-EBITDA | 1.65 | |||||
EV-to-Revenue | 0.64 | |||||
EV-to-FCF | 1.7 | |||||
Price-to-GF-Value | 1.25 | |||||
Price-to-Projected-FCF | 0.76 | |||||
Price-to-Median-PS-Value | 1.88 | |||||
Price-to-Graham-Number | 0.63 | |||||
Earnings Yield (Greenblatt) % | 58.14 | |||||
FCF Yield % | 29.72 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Heritage Insurance Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 685.139 | ||
| EPS (TTM) (€) | 6.033 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | 47.14 | ||
| 14-Day RSI | 65.95 | ||
| 14-Day ATR (€) | 1.024856 | ||
| 20-Day SMA (€) | 26.746 | ||
| 12-1 Month Momentum % | 30.28 | ||
| 52-Week Range (€) | 17.62 - 30.28 | ||
| Shares Outstanding (Mil) | 29.73 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Heritage Insurance Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Heritage Insurance Holdings Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-11-06 09:00 | In 80 days | ||
| Third quarter earnings results for 2026 | 2026-11-05 | In 78 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-06 09:00 | 26.06 (+1.48%) | ||
| Second quarter earnings results for 2026 | 2026-08-05 | 25.88 (-0.69%) | ||
| Sidoti Small-Cap Virtual Investor Conference | 2026-06-11 13:00 | 19.16 (+3.51%) | ||
| General meeting for 2026 | 2026-06-10 10:00 | 18.68 (+0.92%) | ||
| First quarter earnings conference call for 2026 | 2026-05-08 09:00 | 23.92 (-1.32%) | ||
| First quarter earnings results for 2026 | 2026-05-07 | 24.42 (-0.08%) | ||
| Sidoti Small Cap Virtual Conference | 2026-03-18 15:15 | 24.40 (-0.81%) | ||
| Annual report for 2025 | 2026-03-12 | 23.00 (+0.88%) |
Show
Entries
Heritage Insurance Holdings Inc Frequently Asked Questions
What is Heritage Insurance Holdings Inc(STU:11H)'s stock price today?
The current price of STU:11H is €29.08. The 52 week high of STU:11H is €30.28 and 52 week low is €17.62.
When is next earnings date of Heritage Insurance Holdings Inc(STU:11H)?
The next earnings date of Heritage Insurance Holdings Inc(STU:11H) is 2026-11-05 Est..
Does Heritage Insurance Holdings Inc(STU:11H) pay dividends? If so, how much?
Heritage Insurance Holdings Inc(STU:11H) does not pay dividend.
Press Release
Articles on Heritage Insurance Holdings Inc
No articles.
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers