Valuation dashboard for Heritage Insurance Holdings, Inc. (HRTG) with P/E 5.05, P/B 1.88, EV/EBITDA 1.79 and dividend yield 0.00%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S.
Analysis Summary
Heritage Insurance Holdings, Inc. reported revenue of $847.3M in the most recent fiscal year, growing at a 5-year CAGR of 7.4%. Net income reached $195.6M, with a 83.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 58.9%, operating margin 36.8%, net margin 27.5%.
At the current price of $34.96, HRTG trades at a P/E of 5.05 and an ROE of 42.41%. Market capitalisation stands at $1.1B.
Balance sheet quality for HRTG: current ratio of 0.9. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 5.05 |
| Price / Book | 1.88 |
| EV / EBITDA | 1.79 |
| Dividend Yield | 0.00% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| HRTG | Heritage Insurance Holdings, Inc. | $1.1B | 5.05 | 1.88 | 42.4% |
| 0VQD.L | Chubb Limited | $134.6B | 12.41 | 1.74 | 14.0% |
| CB | Chubb Limited | $131.8B | 12.13 | 1.80 | 15.2% |
| 0KOC.L | The Progressive Corporation | $128.0B | 10.97 | 3.72 | 35.4% |
| PGR | The Progressive Corporation | $126.2B | 11.03 | 3.74 | 35.4% |
| 0R03.L | The Travelers Companies, Inc. | $82.7B | 10.61 | 2.01 | 19.1% |
| TRV | The Travelers Companies, Inc. | $79.0B | 10.28 | 2.48 | 25.6% |
| 0HCZ.L | The Allstate Corporation | $67.3B | 5.09 | 1.96 | 43.1% |
Price
| Price | $34.96 |
| Market Cap | $1.1B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 42.41% |
| Return on Invested Capital | 9.12% |
| Return on Assets | 8.80% |
| Gross Margin | 58.93% |
| Operating Margin | 36.77% |
| Net Margin | 27.54% |
Related companies: ACIC · AMAL · ASIC · BOW · DGICA · SAFT · SBSI
Explore sector: Financial Services · Insurance - Property & Casualty
More sections of HRTG: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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