Heritage Insurance Holdings, Inc. (HRTG) Stock Price & Analysis

Heritage Insurance Holdings, Inc. (HRTG) closed at USD 34.73 on Wednesday, October 28, 2026, down 4.09% on the day. The US market is currently closed; this is not a live price.

The prior close was USD 36.21; the Oct 28, 2026 session ranged USD 34.55–36 on volume of 209,982 shares. Market capitalization is $1.03B, with a 52-week range of USD 20.48–37.87 (NYQ). Source: Nexqual, retrieved October 29, 2026 at 06:54 UTC.

Also available as compact Markdown for AI agents: nexqual.com/HRTG.md

Latest Earnings Results (HRTG)

Heritage Insurance Holdings, Inc. (HRTG) reported Q3 2026 results on Oct 28, 2026, 4:25:14 PM ET: GAAP EPS $1.72 vs. estimate $0.93 (beat), revenue $219.24M vs. estimate $217.34M (beat). Source: SEC 8-K filing. Nexqual published it 41 seconds after release. Read the SEC filing.

Reported actuals captured by Nexqual from SEC 8-K filings and company press releases; each figure confirmed by two independent extraction methods.

Key facts (HRTG)

• Last four reported quarters (through Jun 30, 2026): revenue $855M, net income $215M (25.2% margin), free cash flow $298M (SEC filings).
• Valuation: P/E 4.8x (avg 4.8x at the last 3 fiscal year-ends), EV/EBITDA 1.7x, net cash $516M.
• Insider open-market sales, last ~7 months: 16 Form 4 filings, $3.8M; 7 not under a Rule 10b5-1 plan ($1.9M); 5 by opportunistic insiders (4 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Insider open-market purchases, last ~7 months: 1 Form 4 filing, $377K; 1 by opportunistic insiders, 0 by routine insiders.
• Analysts: Buy (mean 2.25 on a 1–5 scale) (4 analysts), mean target USD 39 (range 36–42).
• Total return with dividends: 1Y +50.5% vs S&P 500 +13.6%; 5Y +450.6% vs S&P 500 +79.8%.
• Next earnings: 2026-10-28, EPS estimate USD 1.19, revenue estimate $216M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (HRTG)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (HRTG)

P/E 4.8x · P/S 1.2x · EV/EBITDA 1.7x · EV/Sales 0.6x · P/FCF 3.5x · P/B 1.8x · FCF yield 28.83% · Earnings yield 20.85% · Net cash $516M · EV $516M

P/E at fiscal year-ends: Dec 2025 4.6x, Dec 2024 6.0x, Dec 2023 3.8x.

Insider sales (SEC Form 4, open-market, last ~7 months) (HRTG)

9 of 16 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Insider purchases (SEC Form 4, open-market, last ~7 months) (HRTG)

1 purchase, $377K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.

Analysts (HRTG)

Consensus Buy (mean 2.25 on a 1–5 scale), 4 analysts; mean target USD 39 (low 36, high 42).

Rating changes, last 120 days:

Total return (dividends reinvested) (HRTG)

HRTG earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

HRTG recent SEC filings (last 120 days)

Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.

HRTG suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Mar 12, 2026.

HRTG analyst estimates and revisions

HRTG options: expected move

30-day implied volatility 70.4% vs 26.9% realized over the last 30 trading days. Put/call ratio (volume) 1.79. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 29, 2026 at 06:54 UTC)

Technical Analysis (HRTG)

Nexqual's technical model rates HRTG "BUY" based on 4 bullish and 2 bearish signals across 127 daily candles, as of October 29, 2026 at 06:54 UTC.

Analyst Ratings (HRTG)

Wall Street analysts rate HRTG "Buy" based on 4 analysts, with a mean price target of USD 39 (range USD 36–42), per Nexqual as of October 29, 2026 at 06:54 UTC.

Earnings (HRTG)

Recent Earnings History

Source: Nexqual, October 29, 2026 at 06:54 UTC.

Financials & Fundamentals (HRTG)

Source: Nexqual, October 29, 2026 at 06:54 UTC.

Financial Health Score (HRTG)

Nexqual rates Heritage Insurance Holdings, Inc.'s overall financial health "Solid" across five dimensions, as of October 29, 2026 at 06:54 UTC.

Ownership (HRTG)

Source: Nexqual, October 29, 2026 at 06:54 UTC.

Leadership (HRTG)

Heritage Insurance Holdings, Inc. is led by Ernesto Jose Garateix CPCU, CEO & Director, per Nexqual as of October 29, 2026 at 06:54 UTC.

Major Backers & Investors (HRTG)

Notable institutional backers of Heritage Insurance Holdings, Inc. include American Century Companies Inc, Fidelity, Connor Clark & Lunn Investment Management Ltd, according to Nexqual as of October 29, 2026 at 06:54 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 29, 2026 at 06:54 UTC.

From Heritage Insurance Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-03-12)

Key Strengths & Strategy (as disclosed to the SEC)

• We believe our proprietary data analytics capabilities and underwriting processes allow us to make better risk selections leading to profitability and high levels of policy retention.
• Our underwriting team leverages our proprietary data analytics, which include a number of automated processes, to analyze a number of risk evaluation factors, including the age, construction, location and value of the residence, premiums to be received from insuring the residence, geographic concentrations of policies and the cost of reinsurance.
• We are vertically integrated and control or manage substantially all aspects of insurance underwriting, customer service, financial reporting and actuarial analysis, distribution and claims processing and adjusting.
• To encourage our Florida policyholders to allow us to manage their claims from beginning to end, we developed a program that provides participating customers with a 10% discount on their claim deductible, and gives us control over inspection, claims adjusting and repair services.

Partnerships

• As further described in Note 13 Reserve for Losses, the Company's 2017 reinsurance agreement with the FHCF was commuted during the third quarter of 2023.
• NBIC writes personal residential insurance policies through a network of retail independent agents, wholesale agents and a partnership with a large direct agency.

Legal & Regulatory Risks (Item 1A, quoted)

• We are subject to extensive regulation which may reduce our profitability or limit our growth. Moreover, if we fail to comply with these regulations, we may be subject to penalties, including fines and suspensions, which may adversely affect our financial condition and results of operations.
• We cannot predict with certainty the effect any enacted, proposed or future state or federal legislation or NAIC initiatives may have on the conduct of our business.
• Our insurance subsidiaries are subject to minimum capital and surplus requirements, and our failure to meet these requirements could subject us to regulatory action.
• Litigation or regulatory actions could have a material adverse impact on us.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 06:54 UTC. This page is informational and not investment advice.

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