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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Heritage Insurance Holdings Inc. (HRTG) surged +4.06% to $36.14, trading at 90% of its 52-week range ($20.48 – $37.87). High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
Heritage Insurance came into this Q3 2026 report with a powerful story in the background. Over the last 90 days the stock gained about 21% and the trailing P/E sat near 4.7x, which put expectations for another clean quar
Heritage Insurance (NYSE:HRTG) reported third-quarter net income of $51.1 million, or $1.72 per diluted share, as the insurer absorbed higher catastrophe and weather losses while benefiting from lower reinsurance costs,
Truist Securities analyst Mark Hughes maintains Heritage Insurance Hldgs (NYSE:HRTG) with a Buy and raises the price target from $42 to $44.
Heritage Insurance Holdings has delivered very strong multi year gains, so the practical question now is whether the current share price lines up with what its earnings can support. After such a move, the stock is no lon
Book value surged 42.9% as reinsurance savings offset catastrophe losses and competitive pressure.
Heritage Insurance Holdings, Inc. (HRTG) Q3 2026 Earnings Call October 29, 2026 9:00 AM EDTCompany ParticipantsKirk Lusk - CFO, Company Secretary &...
Moby summary of Heritage Insurance Holdings, Inc.'s Q3 2026 earnings call
Heritage Insurance (HRTG) Q3 2026 earnings: EPS beat estimates, revenue came in slightly below, and shares rose after hours on strong profitability.
The headline numbers for Heritage Insurance (HRTG) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on HRTG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for HRTG. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why HRTG Stock surged +4.06% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.