Stock Ratings / Financials / HRTG / insiders

IGIC (58) BOW (62) ASIC (69) HIPO (58) ⌘ Pro Terminal →

Heritage Insurance Holdings Inc. (HRTG) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$36.14 +4.06% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.49

Heritage Insurance Holdings Inc. (HRTG) earns a Roarable Rating of B+ (Buy) with 79/100 RQD Confidence. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 79/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.1% avg 90D alpha vs SPY • 71.0% hit rate) →

ROARABLE B+ • BUY Cap $1.07B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $36.49 (+0.97%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 20.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 79/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.1% avg 90D alpha vs SPY • 71.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+9.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HRTG)Realized 20D OHLCV Swing Band: ±7.4%

Deterministic 5-Pillar Attribution (79/100 Composite)

🔍 WHY HRTG SCORES 79/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (23% of score)

FRED Regime × Technicals: 90% of 52W Range • RSI-14 at 50.9 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Cash Engine Quality+17/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 20.6% FCF Margin ($174.2M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$34.83+2.7% Next Q

Q2 (-2Q)

Grade B+$35.77+2.9% Next Q

Q3 (-1Q)

Grade B+$36.82-1.8% Next Q

Current

Grade B+$36.14+8.1% Hist 90D α

Trajectory: B (71) → B+ (79)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HRTG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 79/100 (B+) score, HRTG faces multiple-compression risk if 5.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.80) or 200D SMA ($28.62) invalidates the momentum regime and cuts Target Base ($39.56) toward Bear Floor ($29.63).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HRTG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HRTG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 79%NO 21%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

HRTG Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (HRTG)

No recent open-market Form 4 cluster sales or emergency dumps flagged on HRTG. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (HRTG Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HRTG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.26%▼ SUPPORT BREAKDOWN

2026-10-30O $35.91H $36.14L $34.01C $36.14VOL 407.4K

RES: $38.19SUP: $36.45SMA50: $34.80SMA200: $28.62

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HRTG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HRTG Butterfly Map → + Track HRTG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-12.3%/yr Implied 5Y Growth

vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HRTG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HRTG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HRTG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HRTG)

Financials Rank #12 of 1096 ⚔️ IGIC vs HRTG Full Matrix →

1. Head-to-Head Financials Peer Comparison (HRTG vs. IGIC, BOW, ASIC, HIPO)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Heritage Insurance Holdings Inc. (HRTG) ranks #12 by composite RQD confidence (79/100, grade B+) and #536 by equity capitalization ($1.07B). Within this direct 5-issuer industry benchmark cohort, HRTG leads on earnings valuation at 5.5x trailing P/E, while HRTG leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. HRTG currently leads its immediate peer cohort in composite quantitative strength at 79/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HRTG ACTIVE Heritage Insurance Holdings Inc.	B+	79/100	5.5x	—	85.0%	+4.06%	$1.07B	Benchmark Subject
IGIC International General Insurance Holdings Ltd. Ordinary Share	D+	58/100	8.3x	—	17.9%	+1.69%	$1.06B	/igic-vs-hrtg →
BOW Bowhead Specialty Holdings Inc.	C	62/100	20.9x	—	12.0%	-0.23%	$1.12B	/bow-vs-hrtg →
ASIC Ategrity Specialty Insurance Company Holdings	C+	69/100	15.8x	—	12.0%	+5.08%	$1.17B	/asic-vs-hrtg →
HIPO Hippo Holdings Inc.	D+	58/100	15.7x	—	14.4%	-1.46%	$980.6M	/hipo-vs-hrtg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001598665

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Heritage Insurance Holdings Inc. (HRTG) reported GAAP revenue of $847.3M (+3.7% vs. FY2024 revenue of $817.0M , and +15.2% cumulative change since FY2023) , GAAP net income of $195.6M, operating cash flow of $182.2M, and free cash flow of $174.2M (+120.8% YoY). On the balance sheet, HRTG closed FY2025 with $2.20B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$847.3M	$195.6M	$182.2M	$174.2M	$2.20B	—
FY2024 (FY)	2024-12-31	$817.0M	$61.5M	$87.1M	$78.9M	$2.47B	—
FY2023 (FY)	2023-12-31	$735.5M	$45.3M	$70.4M	$70.4M	—	—

3. HRTG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HRTG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Heritage Insurance Holdings Inc. (NYSE: HRTG) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 79/100 at a spot price of $36.14 (+4.06% 1D, market cap $1.07B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, HRTG ranks #12 in composite RQD confidence.

How does HRTG compare to IGIC and BOW in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), HRTG carries a Roarable B+ (79/100 RQD), trailing P/E of 5.5x, gross margin of —, and ROIC of 85.0%. By comparison, IGIC (International General Insurance Holdings Ltd. Ordinary Share) holds a D+ grade (58/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.06B) and BOW (Bowhead Specialty Holdings Inc.) posts a C grade (62/100 RQD, P/E 20.9x, ROIC 12.0%, cap $1.12B). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HRTG?

Per HRTG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001598665), Heritage Insurance Holdings Inc. generated $847.3M in revenue (+3.7% YoY), $195.6M in net income, and $174.2M in free cash flow against $2.20B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HRTG trading relative to its 50-day, 200-day, and 52-week technical levels?

HRTG last traded at $36.14 (+4.06% on volume of 382,686 shares), positioning the stock +3.85% above its 50-day simple moving average ($34.80) and +26.28% above its 200-day simple moving average ($28.62). Across its 52-week range of $20.48 to $37.87, HRTG sits at the 90.1% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±7.4% ($33.47 to $38.81).

HRTG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are HRTG insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies HRTG leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: HRTG RQD Cockpit HRTG 12M Forecast HRTG Earnings & Move HRTG Dividends & DRIP HRTG Insiders & 13F HRTG Whale Options HRTG Profit Sankey HRTG News & Why