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Heritage Insurance Holdings, Inc.

Datakwaliteit: 100%
HRTG
NYSE Financial Services Insurance - Property & Casualty
€ 26,65
▼ € 0,13 (-0,49%)
Marktkapitalisatie: 823,79M
Dagbereik
€ 26,21 € 26,94
52-Weeksbereik
€ 13,28 € 31,98
Volume
114.177
50D / 200D Gem.
€ 26,36 / € 25,15
Vorige Slotkoers
€ 26,78

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (854 peers)

Metriek Aandeel Sector Mediaan
P/E 4,2 10,3
P/B 1,6 1,1
ROE % 49,1 11,6
Net Margin % 23,1 16,8
Rev Growth 5Y % 7,6 11,6
D/E 0,2 0,5

Koersdoel Analisten

Hold
€ 39,00 +46.3%
Forward K/W
5,9
Forward WPA
€ 4,57
WPA Groei (sch.)
+0,0%
Omzet Sch.
890 M

Winstschattingen

Periode WPA Sch. Omzet Sch. Analisten
FY2027 € 4,85
€ 4,34 – € 5,35
950 M 2
FY2026 € 4,57
€ 4,28 – € 4,86
890 M 2

Insider Trading Activity

Buy ratio (90d) 0.0%
20 transactions
Date Insider Type Shares Price Value
Mar 19, 2026
Moura Timothy
See Remarks
sell 29.133 € 26,60 € 775.761
Mar 17, 2026
Binnun Sharon
Chief Accounting Officer
sell 7.893 € 28,35 € 223.751
Mar 12, 2026
Lusk Kirk
Chief Financial Officer
other 72.549 € 28,14 € 2.041.529
Mar 5, 2026
Garateix Ernie J
Chief Executive Officer
grant 107.085
Mar 5, 2026
Moura Timothy
See Remarks
grant 20.599
Mar 5, 2026
Binnun Sharon
Chief Accounting Officer
grant 15.184
Jan 20, 2026
Garateix Ernie J
Chief Executive Officer
sell 8.334 € 26,02 € 216.916
Dec 22, 2025
Garateix Ernie J
Chief Executive Officer
sell 8.334 € 29,48 € 245.669
Dec 15, 2025
Binnun Sharon
Chief Accounting Officer
other 4.635 € 29,57 € 137.057
Dec 15, 2025
Lusk Kirk
Chief Financial Officer
other 18.112 € 29,57 € 535.572
Dec 15, 2025
Garateix Ernie J
Chief Executive Officer
other 40.634 € 29,57 € 1.201.547
Dec 15, 2025
JOHNS TIMOTHY E
See Remarks
other 2.112 € 29,57 € 62.452
Dec 15, 2025
Moura Timothy
See Remarks
other 9.516 € 29,57 € 281.388
Dec 12, 2025
Garateix Ernie J
Chief Executive Officer
sell 1.709 € 28,85 € 49.298
Dec 11, 2025
Garateix Ernie J
Chief Executive Officer
sell 6.291 € 28,42 € 178.814
Dec 9, 2025
Garateix Ernie J
Chief Executive Officer
sell 7.000 € 28,36 € 198.538
Nov 18, 2025
WIDDICOMBE RICHARD A
Director
sell 50.000 € 29,40 € 1.470.085
Nov 12, 2025
Garateix Ernie J
Chief Executive Officer
sell 5.000 € 30,39 € 151.950
Nov 11, 2025
Garateix Ernie J
Chief Executive Officer
sell 10.000 € 29,10 € 290.976
Oct 20, 2025
Garateix Ernie J
Chief Executive Officer
sell 8.334 € 23,01 € 191.774

Belangrijkste Punten

Revenue grew 7,62% annually over 5 years — modest growth
Earnings grew 217,84% over the past year
ROE of 49,14% indicates high profitability
Net margin of 23,08% shows strong profitability
Debt/Equity of 0,20 — conservative balance sheet
Generating 174,16M in free cash flow

Groei

Revenue Growth (5Y)
7,62%
Revenue (1Y)3,71%
Earnings (1Y)217,84%
FCF Growth (3Y)69,63%

Kwaliteit

Return on Equity
49,14%
ROIC33,11%
Net Margin23,08%
Op. Margin31,53%

Veiligheid

Debt / Equity
0,20
Current Ratio152,87
Interest Coverage33,87

Waardering

P/E Ratio
4,21
P/B Ratio1,63
EV/EBITDA1,36
Dividend Yield0,00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 3,71% Revenue Growth (3Y) 7,33%
Earnings Growth (1Y) 217,84% Earnings Growth (3Y) 107,78%
Revenue Growth (5Y) 7,62% Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 847,33M Net Income (TTM) 195,59M
ROE 49,14% ROA 8,91%
Gross Margin 63,03% Operating Margin 31,53%
Net Margin 23,08% Free Cash Flow (TTM) 174,16M
ROIC 33,11% FCF Growth (3Y) 69,63%
Safety
Debt / Equity 0,20 Current Ratio 152,87
Interest Coverage 33,87 Dividend Yield 0,00%
Valuation
P/E Ratio 4,21 P/B Ratio 1,63
P/S Ratio 0,97 PEG Ratio 0,02
EV/EBITDA 1,36 Dividend Yield 0,00%
Market Cap 823,79M Enterprise Value 364,33M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 847,33M 816,99M 735,50M 662,46M 631,56M
Net Income 195,59M 61,54M 45,31M -154,36M -74,73M
EPS (Diluted) 6,32 2,01 1,73 -5,86 -2,69
Gross Profit 534,08M 178,75M 141,76M 4,99M 58,22M
Operating Income 267,15M 82,68M 52,01M -166,17M -76,03M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2,20B 2,47B 2,12B 2,39B 1,98B
Total Liabilities 1,69B 2,18B 1,90B 2,26B 1,64B
Shareholders' Equity 505,25M 290,80M 220,28M 131,04M 343,05M
Total Debt 99,82M 141,34M 148,19M 160,19M 151,93M
Cash & Equivalents 559,27M 452,67M 463,64M 280,88M 359,34M
Current Assets 654,61M 0,0 0,0 0,0 0,0
Current Liabilities 4,28M 0,0 0,0 0,0 0,0

Strategiescores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches

Recente Activiteit

Ingestapt Contrarian Investing (David Dreman)
Mar 24, 2026
Ingestapt Value Investing (Warren Buffett)
Mar 24, 2026