Heritage Insurance Holdings, Inc. (HRTG)Financial Services | Insurance - Property & Casualty | Tampa, United States | NYSE
33.86 USD
-0.29
(-0.849%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 34.77 +0.91 (2.675%) ⇧ (Aug. 28, 2026, 7:30 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 2:42 a.m. EDT
The long-term investment case is exceptionally strong, driven by a fortress balance sheet with a 45% return on equity and robust free cash flow generation. Despite a low P/E, the business quality is evident, supported by a multi-year price trajectory that has delivered a +74.5% cumulative gain without recent structural deterioration. The stock trades at a discount relative to its earnings power, making it a compelling buy-and-hold candidate. However, the short-term outlook faces headwinds due to aggressive speculative positioning. Options data reveals a significant 'put wall' with heavy open interest at strikes well below the current price, signaling that market makers and speculators are pricing in a potential drop toward the $20–$25 zone. This fear contrasts with the company's solid fundamentals and recent earnings beat expectations. While the statistical forecast model offers no directional bias, the divergence between the company's excellent operational health and the market's fear of a price collapse suggests a potential buying opportunity for patient investors willing to navigate the near-term volatility. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.196997 |
| AutoETS | 0.204501 |
| AutoARIMA | 0.204506 |
| AutoTheta | 0.271122 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 35% |
| H-stat | 10.13 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.090 |
| Excess Kurtosis | -1.56 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2022-06-12 |
| Last Dividend Date | 2022-06-12 |
| Debt to Equity Ratio | 16.176 |
| Revenue per Share | 27.893 |
| Market Cap | 1,006,739,648 |
| Trailing P/E | 4.87 |
| Forward P/E | 6.53 |
| Beta | 0.91 |
| Profit Margins | 25.19% |
| Website | https://www.heritagepci.com |
As of Aug. 22, 2026, 2:42 a.m. EDT: Speculators are heavily positioned for downside protection, with massive open interest in out-of-the-money puts (strikes 20 and 25) compared to negligible call volume. This creates a 'put wall' suggesting fear of a drop to the $20–$25 range. Conversely, call activity is concentrated in-the-money, indicating some buyers believe the stock will stay above current levels, but the overwhelming sentiment is hedging against a decline.
| Date | Dividend | Yield % |
|---|---|---|
| 2022-06-13 | 0.06 | 1.690141 |
| 2022-03-16 | 0.06 | 0.892857 |
| 2021-12-14 | 0.06 | 1.036269 |
| 2021-09-14 | 0.06 | 0.955414 |
| 2021-06-14 | 0.06 | 0.674157 |
| 2021-03-12 | 0.06 | 0.518583 |
| 2020-12-14 | 0.06 | 0.629591 |
| 2020-09-14 | 0.06 | 0.483092 |
| 2020-06-12 | 0.06 | 0.492207 |
| 2020-03-13 | 0.06 | 0.575264 |
| 2019-12-13 | 0.06 | 0.454201 |
| 2019-09-13 | 0.06 | 0.398936 |
| 2019-06-13 | 0.06 | 0.384862 |
| 2019-03-14 | 0.06 | 0.407332 |
| 2018-12-13 | 0.06 | 0.410397 |
| 2018-09-13 | 0.06 | 0.380228 |
| 2018-06-14 | 0.06 | 0.364963 |
| 2018-03-14 | 0.06 | 0.350672 |
| 2017-11-16 | 0.06 | 0.360794 |
| 2017-09-14 | 0.06 | 0.470219 |
| 2017-06-13 | 0.06 | 0.454890 |
| 2017-03-13 | 0.06 | 0.427960 |
| 2016-12-13 | 0.06 | 0.380952 |
| 2016-09-13 | 0.06 | 0.446761 |
| 2016-06-13 | 0.06 | 0.483092 |
| 2016-03-11 | 0.05 | 0.318471 |
| 2015-12-29 | 0.05 | 0.223115 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.4606501 |
| Address1 | 1,401 N. Westshore Blvd. |
| All Time High | 36.5 |
| All Time Low | 1.12 |
| Ask | 35.08 |
| Ask Size | 100 |
| Audit Risk | 7 |
| Average Daily Volume10 Day | 249,280 |
| Average Daily Volume3 Month | 377,991 |
| Average Volume | 377,991 |
| Average Volume10Days | 249,280 |
| Beta | 0.914 |
| Bid | 32.45 |
| Bid Size | 200 |
| Board Risk | 8 |
| Book Value | 19.666 |
| City | Tampa |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 5 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 33.86 |
| Current Ratio | 0.817 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 34.6501 |
| Day Low | 33.855 |
| Debt To Equity | 16.176 |
| Display Name | Heritage Insurance |
| Dividend Date | 1,656,979,200 |
| Earnings Call Timestamp End | 1,786,021,200 |
| Earnings Call Timestamp Start | 1,786,021,200 |
| Earnings Growth | 0.323 |
| Earnings Quarterly Growth | 0.285 |
| Earnings Timestamp | 1,785,960,000 |
| Earnings Timestamp End | 1,793,822,400 |
| Earnings Timestamp Start | 1,793,822,400 |
| Ebitda | 307,409,984 |
| Ebitda Margins | 0.35970002 |
| Enterprise To Ebitda | 1.567 |
| Enterprise To Revenue | 0.564 |
| Enterprise Value | 481,726,944 |
| Eps Current Year | 5.175 |
| Eps Forward | 5.18333 |
| Eps Trailing Twelve Months | 6.95 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,655,078,400 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 29.2332 |
| Fifty Day Average Change | 4.6268005 |
| Fifty Day Average Change Percent | 0.15827212 |
| Fifty Two Week Change Percent | 46.06501 |
| Fifty Two Week High | 36.5 |
| Fifty Two Week High Change | -2.6399994 |
| Fifty Two Week High Change Percent | -0.072328754 |
| Fifty Two Week Low | 20.48 |
| Fifty Two Week Low Change | 13.380001 |
| Fifty Two Week Low Change Percent | 0.6533204 |
| Fifty Two Week Range | 20.48 - 36.5 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,400,851,800,000 |
| Five Year Avg Dividend Yield | 3.46 |
| Float Shares | 22,082,439 |
| Forward Eps | 5.18333 |
| Forward P E | 6.5324802 |
| Free Cashflow | 257,338,000 |
| Full Exchange Name | NYSE |
| Full Time Employees | 542 |
| Fullday Change | -0.290001 |
| Fullday Change Percent | -0.849197 |
| Fullday Price | 34.7657 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.45389 |
| Gross Profits | 387,912,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.20036 |
| Held Percent Institutions | 0.68171 |
| Implied Shares Outstanding | 29,732,416 |
| Industry | Insurance - Property & Casualty |
| Industry Disp | Insurance - Property & Casualty |
| Industry Key | insurance-property-casualty |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,655,078,400 |
| Last Dividend Value | 0.06 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida. |
| Long Name | Heritage Insurance Holdings, Inc. |
| Market | us_market |
| Market Cap | 1,006,739,648 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_262391792 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 215,290,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 1,015,362,006 |
| Number Of Analyst Opinions | 2 |
| Open | 34.14 |
| Operating Cashflow | 304,662,016 |
| Operating Margins | 0.39147 |
| Overall Risk | 6 |
| Payout Ratio | 0.0 |
| Phone | 727 362 7200 |
| Post Market Change | 0.9057007 |
| Post Market Change Percent | 2.6748395 |
| Post Market Price | 34.7657 |
| Post Market Time | 1,787,959,804 |
| Previous Close | 34.15 |
| Price Eps Current Year | 6.542995 |
| Price Hint | 2 |
| Price To Book | 1.7217532 |
| Price To Sales Trailing12 Months | 1.177983 |
| Profit Margins | 0.25191 |
| Quick Ratio | 0.379 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.290001 |
| Regular Market Change Percent | -0.849197 |
| Regular Market Day High | 34.6501 |
| Regular Market Day Low | 33.855 |
| Regular Market Day Range | 33.855 - 34.6501 |
| Regular Market Open | 34.14 |
| Regular Market Previous Close | 34.15 |
| Regular Market Price | 33.86 |
| Regular Market Time | 1,787,947,203 |
| Regular Market Volume | 195,277 |
| Return On Assets | 0.07379 |
| Return On Equity | 0.45275003 |
| Revenue Growth | 0.03 |
| Revenue Per Share | 27.893 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 4 |
| Shares Outstanding | 29,732,416 |
| Shares Percent Shares Out | 0.0223 |
| Shares Short | 661,848 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 918,505 |
| Short Name | Heritage Insurance Holdings, In |
| Short Percent Of Float | 0.024600001 |
| Short Ratio | 1.97 |
| Source Interval | 15 |
| State | FL |
| Symbol | HRTG |
| Target High Price | 42.0 |
| Target Low Price | 36.0 |
| Target Mean Price | 39.0 |
| Target Median Price | 39.0 |
| Total Cash | 587,596,992 |
| Total Cash Per Share | 20.354 |
| Total Debt | 91,834,000 |
| Total Revenue | 854,630,016 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 6.95 |
| Trailing P E | 4.8719425 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 27.1735 |
| Two Hundred Day Average Change | 6.6865005 |
| Two Hundred Day Average Change Percent | 0.24606696 |
| Type Disp | Equity |
| Volume | 195,277 |
| Website | https://www.heritagepci.com |
| Zip | 33,607 |