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Heritage Insurance HoldingsHRTG -1.07%63 FCF Margin % is 65.84% as of Jun. 2026, which is 357% above its 10-year median of 14.41. 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 502 Insurance companies, Heritage Insurance Holdings ranks better than 90.44% on this metric.
* 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: FCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's FCF Margin % falls into.
* 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 FCF Margin % of 65.84% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Heritage Insurance Holdings and its competitors. This is 357% above median its historical median of 14.41. According to the industry distribution chart, Heritage Insurance Holdings ranks #48 out of 502 companies in the Insurance industry, placing it in the top 9.6%.
Is Heritage Insurance Holdings' FCF Margin % too high?
Heritage Insurance Holdings' current FCF Margin % of 65.84% is 357% above median its 10-year median of 14.41. The Insurance industry median FCF Margin % is 8.92. Heritage Insurance Holdings' value of 65.84% is 638.1% above this industry median. Based on the distribution chart, Heritage Insurance Holdings ranks #48 out of 502 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' FCF Margin % compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #48 out of 502 companies for FCF Margin %. This places Heritage Insurance Holdings in the top 10% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 8.92. Heritage Insurance Holdings' value of 65.84% is 638.1% above this benchmark. While the company's 10-year median is 14.41 vs. the industry median of 8.92, Heritage Insurance Holdings has consistently been above 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 8.92, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Insurance Holdings's current FCF Margin % of 65.84% is 638.1% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Heritage Insurance Holdings and its competitors. For the Insurance industry, the median FCF Margin % is 8.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current FCF Margin % is 65.84%, which is 357% above median its own 10-year median of 14.41. 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 FCF Margin % is 65.84%, which is 357% above median its 10-year median of 14.41 and 638.1% above the Insurance industry median of 8.92. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current FCF Margin % is 65.84% 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 $33.33 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:
FCF Margin %: 65.84% (357% above median its 10-year median of 14.41)
GF Value™: $26.87 vs. price of $33.33 (24% above fair value)
Industry Position: 638.1% above the Insurance median (#48 of 502)
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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