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Heritage Insurance HoldingsHRTG -1.07%63 EV-to-OCF is 1.63 as of Aug. 19, 2026, which is 29% above its 10-year median of 1.26. 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 505 Insurance companies, Heritage Insurance Holdings ranks better than 70.69% on this metric.
The historical rank and industry rank for Heritage Insurance Holdings's EV-to-OCF or its related term are showing as below:
HRTG'
s EV-to-OCF Range Over the Past 10 Years
Min: -53.75 Med: 1.26 Max: 65.43
Current: 1.63
During the past 13 years, the highest EV-to-OCF of Heritage Insurance Holdings was 65.43. The lowest was -53.75. And the median was 1.26.
HRTG's EV-to-OCF is ranked better than 70.69% of 505
companies
in the Insurance industry
Industry Median: 6.45
vs HRTG: 1.63
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Heritage Insurance Holdings EV-to-OCF Related Terms
Heritage Insurance Holdings EV-to-OCF 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.
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's EV-to-OCF falls into.
Heritage Insurance Holdings's current Enterprise Value is $495.2 Mil.
Heritage Insurance Holdings's Cash Flow from Operations 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 $304.7 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-OCF of 1.63 as of Aug. 19, 2026. This is 29% above median its historical median of 1.26. According to the industry distribution chart, Heritage Insurance Holdings ranks #148 out of 505 companies in the Insurance industry, placing it in the top 29.3%.
Is Heritage Insurance Holdings' EV-to-OCF too high?
Heritage Insurance Holdings' current EV-to-OCF of 1.63 is 29% above median its 10-year median of 1.26. The Insurance industry median EV-to-OCF is 6.45. Heritage Insurance Holdings' value of 1.63 is 74.7% below this industry median. Based on the distribution chart, Heritage Insurance Holdings ranks #148 out of 505 companies in the Insurance industry, which is above the industry midpoint. 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-OCF compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #148 out of 505 companies for EV-to-OCF. This puts Heritage Insurance Holdings in the upper half of its industry. The industry median EV-to-OCF is 6.45. Heritage Insurance Holdings' value of 1.63 is 74.7% below this benchmark. While the company's 10-year median is 1.26 vs. the industry median of 6.45, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.45, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Insurance Holdings's current EV-to-OCF of 1.63 is 74.7% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current EV-to-OCF is 1.63, which is 29% above median its own 10-year median of 1.26. 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-OCF is 1.63, which is 29% above median its 10-year median of 1.26 and 74.7% below the Insurance industry median of 6.45. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current EV-to-OCF is 1.63 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-OCF: 1.63 (29% above median its 10-year median of 1.26)
GF Value™: $26.87 vs. price of $33.33 (24% above fair value)
Industry Position: 74.7% below the Insurance median (#148 of 505)
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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