Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-19), Heritage Insurance Holdings's 3-1 Month Momentum % is 16.80%.
The industry rank for Heritage Insurance Holdings's 3-1 Month Momentum % or its related term are showing as below:
HRTG's 3-1 Month Momentum % is ranked better than 75.52% of 580
companies
in the Insurance industry
Industry Median: 5
vs HRTG: 16.80
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Heritage Insurance Holdings 3-1 Month Momentum % Related Terms
HRTG vs ROOT, HIPO, DGICA: 3-1 Month Momentum % Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's 3-1 Month Momentum % 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 3-1 Month Momentum % of 16.80% as of Aug. 19, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Heritage Insurance Holdings and its competitors. According to the industry distribution chart, Heritage Insurance Holdings ranks #142 out of 580 companies in the Insurance industry, placing it in the top 24.5%.
Is Heritage Insurance Holdings' 3-1 Month Momentum % too high?
Heritage Insurance Holdings' current 3-1 Month Momentum % is 16.80%. The Insurance industry median 3-1 Month Momentum % is 5.00. Heritage Insurance Holdings' value of 16.80% is 236% above this industry median. Based on the distribution chart, Heritage Insurance Holdings ranks #142 out of 580 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' 3-1 Month Momentum % compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #142 out of 580 companies for 3-1 Month Momentum %. This places Heritage Insurance Holdings in the top 25% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 5.00. Heritage Insurance Holdings' value of 16.80% is 236% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for an Insurance company?
The median 3-1 Month Momentum % among Insurance companies is 5.00, based on 580 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heritage Insurance Holdings's current 3-1 Month Momentum % of 16.80% is 236% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Heritage Insurance Holdings and its competitors. For the Insurance industry, the median 3-1 Month Momentum % is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current 3-1 Month Momentum % is 16.80%. 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 3-1 Month Momentum % is 16.80% and 236% above the Insurance industry median of 5.00. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current 3-1 Month Momentum % is 16.80% 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:
3-1 Month Momentum %: 16.80%
GF Value™: $26.87 vs. price of $33.33 (24% above fair value)
Industry Position: 236% above the Insurance median (#142 of 580)
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
Get the complete analysis for HRTG
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HRTG has been successfully added to your 
