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The historical rank and industry rank for Heritage Insurance Holdings's Cyclically Adjusted PS Ratio or its related term are showing as below:
STU:11H'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.48 Max: 1.32
Current: 1.31
During the past years, Heritage Insurance Holdings's highest Cyclically Adjusted PS Ratio was 1.32. The lowest was 0.07. And the median was 0.48.
STU:11H's Cyclically Adjusted PS Ratio is ranked worse than 54.11% of 414
companies
in the Insurance industry
Industry Median: 1.215
vs STU:11H: 1.31
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Heritage Insurance Holdings's adjusted revenue per share data for the three months ended in Jun. 2026 was €6.182. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is €22.59 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Heritage Insurance Holdings (STU:11H) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Heritage Insurance Holdings Cyclically Adjusted PS Ratio Related Terms
Heritage Insurance Holdings Cyclically Adjusted PS Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Heritage Insurance Holdings Cyclically Adjusted PS Ratio Chart
STU:11H vs ROOT, HIPO, DGICA: Cyclically Adjusted PS Ratio Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Heritage Insurance Holdings Cyclically Adjusted PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's Cyclically Adjusted PS Ratio falls into.
Heritage Insurance Holdings Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 1.26 mean?
Heritage Insurance Holdings (STU:11H) has a Cyclically Adjusted PS Ratio of 1.26 as of Aug. 20, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Heritage Insurance Holdings and its competitors. This is 163% above median its historical median of 0.48. Over the past decade, Heritage Insurance Holdings' Cyclically Adjusted PS Ratio has ranged from 0.07 to 1.32. According to the industry distribution chart, Heritage Insurance Holdings ranks #224 out of 414 companies in the Insurance industry, placing it in the top 54.1%.
Is Heritage Insurance Holdings' Cyclically Adjusted PS Ratio too high?
Heritage Insurance Holdings' current Cyclically Adjusted PS Ratio of 1.26 is 163% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 1.32. The Insurance industry median Cyclically Adjusted PS Ratio is 1.22. Heritage Insurance Holdings' value of 1.26 is 3.7% above this industry median. Based on the distribution chart, Heritage Insurance Holdings ranks #224 out of 414 companies in the Insurance industry, which is below the industry midpoint. Overall, Heritage Insurance Holdings has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does Heritage Insurance Holdings' Cyclically Adjusted PS Ratio compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #224 out of 414 companies for Cyclically Adjusted PS Ratio. This places Heritage Insurance Holdings in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 1.22. Heritage Insurance Holdings' value of 1.26 is 3.7% above this benchmark. Historically, Heritage Insurance Holdings' own Cyclically Adjusted PS Ratio has ranged from 0.07 to 1.32 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 1.22, Heritage Insurance Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.22, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Insurance Holdings's current Cyclically Adjusted PS Ratio of 1.26 is 3.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Heritage Insurance Holdings and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current Cyclically Adjusted PS Ratio is 1.26, which is 163% above median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Heritage Insurance Holdings stock overvalued right now?
Heritage Insurance Holdings (STU:11H) has a current Cyclically Adjusted PS Ratio of 1.26. The stock's GF Value™ is €23.19, compared to a current price of €28.56 — trading 23.2% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 1.26, which is 163% above median its 10-year median of 0.48 and 3.7% above the Insurance industry median of 1.22. Heritage Insurance Holdings' overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Heritage Insurance Holdings (STU:11H), the current Cyclically Adjusted PS Ratio is 1.26 as of Aug. 20, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Heritage Insurance Holdings (STU:11H) Overvalued in 2026?
Based on GuruFocus' analysis, Heritage Insurance Holdings stock appears to be overvalued.
The current stock price of €28.56 is trading 23.2% above its estimated GF Value™ of €23.19.
Key valuation signals for STU:11H:
Cyclically Adjusted PS Ratio: 1.26 (163% above median its 10-year median of 0.48)
GF Value™: €23.19 vs. price of €28.56 (23.2% above fair value)
Industry Position: 3.7% above the Insurance median (#224 of 414)
No single metric tells the full story. See the STU:11H stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
63GF Score
Get the complete analysis for STU:11H
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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