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Heritage Insurance HoldingsHRTG -1.07%63 EV-to-EBITDA is 1.61 as of Aug. 19, 2026, which is 32% below its 10-year median of 2.38. GuruFocus rates HRTG with a GF Score™ of 63/100 and a GF Value™ of $26.87 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 346 Insurance companies, Heritage Insurance Holdings ranks better than 94.51% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Heritage Insurance Holdings's enterprise value is $495.2 Mil.
Heritage Insurance Holdings's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $307.4 Mil. Therefore, Heritage Insurance Holdings's EV-to-EBITDA for today is 1.61.
The historical rank and industry rank for Heritage Insurance Holdings's EV-to-EBITDA or its related term are showing as below:
HRTG'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -114.01 Med: 2.38 Max: 140.11
Current: 1.61
During the past 13 years, the highest EV-to-EBITDA of Heritage Insurance Holdings was 140.11. The lowest was -114.01. And the median was 2.38.
HRTG's EV-to-EBITDA is ranked better than 94.51% of 346
companies
in the Insurance industry
Industry Median: 8.135
vs HRTG: 1.61
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Heritage Insurance Holdings's PE Ratio (TTM) for today is calculated as:
Heritage Insurance Holdings's share price for today is $33.33.
Heritage Insurance Holdings's 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 $7.020.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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.
HRTG vs ROOT, HIPO, DGICA: EV-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's EV-to-EBITDA falls into.
Heritage Insurance Holdings's current Enterprise Value is $495.2 Mil.
Heritage Insurance Holdings's EBITDA 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 $307.4 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.
Heritage Insurance Holdings (HRTG) has a EV-to-EBITDA of 1.61 as of Aug. 19, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Heritage Insurance Holdings. This is 32% below median its historical median of 2.38. According to the industry distribution chart, Heritage Insurance Holdings ranks #19 out of 346 companies in the Insurance industry, placing it in the top 5.5%.
Is Heritage Insurance Holdings' EV-to-EBITDA too high?
Heritage Insurance Holdings' current EV-to-EBITDA of 1.61 is 32% below median its 10-year median of 2.38. The Insurance industry median EV-to-EBITDA is 8.14. Heritage Insurance Holdings' value of 1.61 is 80.2% below this industry median. Based on the distribution chart, Heritage Insurance Holdings ranks #19 out of 346 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Heritage Insurance Holdings has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Heritage Insurance Holdings' EV-to-EBITDA compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #19 out of 346 companies for EV-to-EBITDA. This places Heritage Insurance Holdings in the top 6% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 8.14. Heritage Insurance Holdings' value of 1.61 is 80.2% below this benchmark. While the company's 10-year median is 2.38 vs. the industry median of 8.14, Heritage Insurance Holdings has consistently been below 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.14, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Insurance Holdings's current EV-to-EBITDA of 1.61 is 80.2% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Heritage Insurance Holdings. For the Insurance industry, the median EV-to-EBITDA is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current EV-to-EBITDA is 1.61, which is 32% below median its own 10-year median of 2.38. 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 $26.87, compared to a current price of $33.33 — trading 24% above its estimated fair value. The current EV-to-EBITDA is 1.61, which is 32% below median its 10-year median of 2.38 and 80.2% below the Insurance industry median of 8.14. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current EV-to-EBITDA is 1.61 as of Aug. 19, 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 $33.33 is trading 24% above its estimated GF Value™ of $26.87.
GuruFocus considers Heritage Insurance Holdings to be Modestly Overvalued.
Key valuation signals for HRTG:
EV-to-EBITDA: 1.61 (32% below median its 10-year median of 2.38)
GF Value™: $26.87 vs. price of $33.33 (24% above fair value)
Industry Position: 80.2% below the Insurance median (#19 of 346)
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.
63GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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