Heritage Insurance Holdings (STU:11H) EBIT: €253.1 Mil (TTM As of Jun. 2026)

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STU:11H Heritage Insurance Holdings Inc STU:11H
63 GF Score
Price €29.08
GF Value €23.19
! 6 Warning Signs
View Full Analysis

What is Heritage Insurance Holdings EBIT?

Heritage Insurance Holdings STU:11H -0.95% 63 EBIT is €253.1 Mil as of Jun. 2026. GuruFocus rates STU:11H with a GF Score™ of 63/100 and a GF Value™ of €23.19. The stock has 6 warning signs investors should review.

Heritage Insurance Holdings's earnings before interest and taxes (EBIT) for the three months ended in Jun. 2026 was €72.8 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2026 was €253.1 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Heritage Insurance Holdings's annualized ROC % for the quarter that ended in Jun. 2026 was 18.48%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Heritage Insurance Holdings's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 57.94%.


Heritage Insurance Holdings  (STU:11H) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Heritage Insurance Holdings's annualized ROC % for the quarter that ended in Jun. 2026 is calculated as:

ROC % (Q: Jun. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2026 ) + Invested Capital (Q: Jun. 2026 ))/ count )
=291.128 * ( 1 - 24.89% )/( (1206.3299 + 1159.94405)/ 2 )
=218.6662408/1183.136975
=18.48 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=1748.151 - 104.384 - ( 447.266 - 5% * 196.578 )
=1206.3299

Invested Capital(Q: Jun. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=2128.714 - 468.032 - ( 510.034 - 5% * 185.921 )
=1159.94405

Note: The EBIT data used here is four times the quarterly (Jun. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Heritage Insurance Holdings's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jun. 2026 )
=253.106/436.806
=57.94 %

* 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 EBIT Related Terms


Heritage Insurance Holdings EBIT Historical Data

* Premium members only.

The historical data trend for Heritage Insurance Holdings's EBIT can be seen below:

* 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 EBIT Chart

Heritage Insurance Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only -60.24 -148.55 57.97 89.40 228.15

Heritage Insurance Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 56.24 59.78 76.59 43.96 72.78

STU:11H vs ROOT, HIPO, DGICA: EBIT Comparison

For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Heritage Insurance Holdings's EV-to-EBIT falls into.


STU:11H
63GF Score
Heritage Insurance Holdings Inc STU:11H
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Heritage Insurance Holdings EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT 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 €253.1 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of €253.1 Mil mean?
Heritage Insurance Holdings (STU:11H) has a EBIT of €253.1 Mil as of Jun. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Heritage Insurance Holdings.
Is Heritage Insurance Holdings' EBIT too high?
Heritage Insurance Holdings' current EBIT is €253.1 Mil. 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' EBIT compare to ROOT and HIPO?
Heritage Insurance Holdings' EBIT of €253.1 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Heritage Insurance Holdings. Heritage Insurance Holdings's current EBIT is €253.1 Mil. 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 EBIT of €253.1 Mil. The stock's GF Value™ is €23.19, compared to a current price of €29.08 — trading 25.4% above its estimated fair value. The current EBIT is €253.1 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Heritage Insurance Holdings (STU:11H), the current EBIT is €253.1 Mil 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 (STU:11H) Overvalued in 2026?

Based on GuruFocus' analysis, Heritage Insurance Holdings stock appears to be overvalued. The current stock price of €29.08 is trading 25.4% above its estimated GF Value™ of €23.19.

Key valuation signals for STU:11H:

  • EBIT: €253.1 Mil
  • GF Value™: €23.19 vs. price of €29.08 (25.4% above fair value)
  • GF Score™: 63/100 with 6 warning signs

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 Business Description

Other Exchanges HRTG:USA
Address 1401 North Westshore Boulevard, Tampa, FL, USA, 33607
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

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€29.08
Price
€23.19
GF Value