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During the past 13 years, Heritage Insurance Holdings's highest 3-Year average EPS without NRI Growth Rate was 74.60% per year. The lowest was -40.00% per year. And the median was -5.25% per year.
Heritage Insurance Holdings (NYSE:HRTG) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Heritage Insurance Holdings Earnings per Share (Diluted) Related Terms
Heritage Insurance Holdings Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
HRTG vs ROOT, HIPO, DGICA: Earnings per Share (Diluted) Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's PE Ratio distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's PE Ratio falls into.
Heritage Insurance Holdings Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Heritage Insurance Holdings's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.02
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $7.02 mean?
Heritage Insurance Holdings (HRTG) has a Earnings per Share (Diluted) of $7.02 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Heritage Insurance Holdings and its competitors. According to the industry distribution chart, Heritage Insurance Holdings ranks #999999 out of 398 companies in the Insurance industry.
Is Heritage Insurance Holdings' Earnings per Share (Diluted) too high?
Heritage Insurance Holdings' current Earnings per Share (Diluted) is $7.02. The Insurance industry median Earnings per Share (Diluted) is 16.55. Heritage Insurance Holdings' value of $7.02 is 57.6% below this industry median. Based on the distribution chart, Heritage Insurance Holdings ranks #999999 out of 398 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Heritage Insurance Holdings has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Heritage Insurance Holdings' Earnings per Share (Diluted) compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #999999 out of 398 companies for Earnings per Share (Diluted). This places Heritage Insurance Holdings in the lower half of its industry. The industry median Earnings per Share (Diluted) is 16.55. Heritage Insurance Holdings' value of $7.02 is 57.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for an Insurance company?
The median Earnings per Share (Diluted) among Insurance companies is 16.55, based on 398 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Insurance Holdings's current Earnings per Share (Diluted) of $7.02 is 57.6% below 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Heritage Insurance Holdings and its competitors. For the Insurance industry, the median Earnings per Share (Diluted) is 16.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current Earnings per Share (Diluted) is $7.02. 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?
Based on GuruFocus' analysis, Heritage Insurance Holdings (HRTG) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.73, compared to a current price of $33.86 — trading 26.7% above its estimated fair value. The current Earnings per Share (Diluted) is $7.02 and 57.6% below the Insurance industry median of 16.55. Heritage Insurance Holdings' overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current Earnings per Share (Diluted) is $7.02 as of Jun. 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 (HRTG) Overvalued in 2026?
Based on GuruFocus' analysis, Heritage Insurance Holdings stock appears to be overvalued.
The current stock price of $33.86 is trading 26.7% above its estimated GF Value™ of $26.73.
GuruFocus considers Heritage Insurance Holdings to be Modestly Overvalued.
Key valuation signals for HRTG:
Earnings per Share (Diluted): $7.02
GF Value™: $26.73 vs. price of $33.86 (26.7% above fair value)
Industry Position: 57.6% below the Insurance median (#999999 of 398)
No single metric tells the full story. See the HRTG 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.
65GF Score
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