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The historical rank and industry rank for Heritage Insurance Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
During the past 13 years, Heritage Insurance Holdings's highest Yield on Cost was 13.24. The lowest was 1.10. And the median was 1.89.
HRTG's 5-Year Yield-on-Cost % is not ranked *
in the Insurance industry.
Industry Median: 3.755 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Heritage Insurance Holdings 5-Year Yield-on-Cost % Related Terms
HRTG vs ROOT, HIPO, DGICA: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Heritage Insurance Holdings (HRTG) has a 5-Year Yield-on-Cost % of 0.00 as of Aug. 19, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Heritage Insurance Holdings and its competitors. Over the past decade, Heritage Insurance Holdings' 5-Year Yield-on-Cost % has ranged from 1.10 to 13.24. According to the industry distribution chart, Heritage Insurance Holdings ranks #999999 out of 422 companies in the Insurance industry.
Is Heritage Insurance Holdings' 5-Year Yield-on-Cost % too high?
Heritage Insurance Holdings' current 5-Year Yield-on-Cost % is 0.00. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 13.24. Based on the distribution chart, Heritage Insurance Holdings ranks #999999 out of 422 companies in the Insurance industry, which is in the bottom quartile 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' 5-Year Yield-on-Cost % compare to ROOT and HIPO?
According to the Insurance industry distribution chart, Heritage Insurance Holdings ranks #999999 out of 422 companies for 5-Year Yield-on-Cost %. This places Heritage Insurance Holdings in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.76. Historically, Heritage Insurance Holdings' own 5-Year Yield-on-Cost % has ranged from 1.10 to 13.24 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.76, based on 422 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Heritage Insurance Holdings and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heritage Insurance Holdings's current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current 5-Year Yield-on-Cost % is 0.00 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:
5-Year Yield-on-Cost %: 0.00
GF Value™: $26.87 vs. price of $33.33 (24% above fair value)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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