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Heritage Insurance HoldingsHRTG -1.07%63 OCF Yield % is 30.74 as of Aug. 19, 2026, which is 25% above its 10-year median of 24.56. 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 504 Insurance companies, Heritage Insurance Holdings ranks better than 89.48% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Heritage Insurance Holdings OCF Yield % Related Terms
Heritage Insurance Holdings OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's OCF Yield % 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 OCF Yield % of 30.74 as of Aug. 19, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Heritage Insurance Holdings and its competitors. This is 25% above median its historical median of 24.56. According to the industry distribution chart, Heritage Insurance Holdings ranks #53 out of 504 companies in the Insurance industry, placing it in the top 10.5%.
Is Heritage Insurance Holdings' OCF Yield % too high?
Heritage Insurance Holdings' current OCF Yield % of 30.74 is 25% above median its 10-year median of 24.56. The Insurance industry median OCF Yield % is 8.01. Heritage Insurance Holdings' value of 30.74 is 283.8% above this industry median. Based on the distribution chart, Heritage Insurance Holdings ranks #53 out of 504 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' OCF Yield % compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #53 out of 504 companies for OCF Yield %. This places Heritage Insurance Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median OCF Yield % is 8.01. Heritage Insurance Holdings' value of 30.74 is 283.8% above this benchmark. While the company's 10-year median is 24.56 vs. the industry median of 8.01, 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 OCF Yield % for an Insurance company?
The median OCF Yield % among Insurance companies is 8.01, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Insurance Holdings's current OCF Yield % of 30.74 is 283.8% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Heritage Insurance Holdings and its competitors. For the Insurance industry, the median OCF Yield % is 8.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current OCF Yield % is 30.74, which is 25% above median its own 10-year median of 24.56. 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 OCF Yield % is 30.74, which is 25% above median its 10-year median of 24.56 and 283.8% above the Insurance industry median of 8.01. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current OCF Yield % is 30.74 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:
OCF Yield %: 30.74 (25% above median its 10-year median of 24.56)
GF Value™: $26.87 vs. price of $33.33 (24% above fair value)
Industry Position: 283.8% above the Insurance median (#53 of 504)
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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