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Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Heritage Insurance Holdings (STU:11H) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Heritage Insurance Holdings's EV-to-EBIT for today is
Heritage Insurance Holdings's current Enterprise Value is €436.8 Mil.
Heritage Insurance Holdings's 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.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Heritage Insurance Holdings's EV-to-EBITDA for today is:
Heritage Insurance Holdings's current Enterprise Value is €436.8 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 €264.2 Mil.
Heritage Insurance Holdings's current Enterprise Value is €436.8 Mil.
Heritage Insurance Holdings's Revenue 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 €685.1 Mil.
Heritage Insurance Holdings's current Enterprise Value is €436.8 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 €262.2 Mil.
Heritage Insurance Holdings's current Enterprise Value is €436.8 Mil.
Heritage Insurance Holdings's Free Cash Flow 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 €256.3 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 Enterprise Value Related Terms
Heritage Insurance Holdings Enterprise Value 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 Enterprise Value Chart
STU:11H vs ROOT, HIPO, DGICA: Enterprise Value Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's Enterprise Value falls into.
Heritage Insurance Holdings Enterprise Value Calculation
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
* 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 (STU:11H) has a Enterprise Value of €436.8 Mil as of Aug. 19, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Heritage Insurance Holdings and its competitors.
Is Heritage Insurance Holdings' Enterprise Value too high?
Heritage Insurance Holdings' current Enterprise Value is €436.8 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' Enterprise Value compare to ROOT and HIPO?
Heritage Insurance Holdings' Enterprise Value of €436.8 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 Enterprise Value for an Insurance company?
A good Enterprise Value depends on the Insurance industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Heritage Insurance Holdings and its competitors. Heritage Insurance Holdings's current Enterprise Value is €436.8 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 Enterprise Value of €436.8 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 Enterprise Value is €436.8 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Heritage Insurance Holdings (STU:11H), the current Enterprise Value is €436.8 Mil 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 (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:
Enterprise Value: €436.8 Mil
GF Value™: €23.19 vs. price of €29.08 (25.4% above fair value)
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
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