Stock HRTG HERITAGE INSURANCE HOLDINGS, INC.
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Financials Heritage Insurance Holdings, Inc.

Equities

HRTG

US42727J1025

Property & Casualty Insurance

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
10.29 USD -1.34% Intraday chart for Heritage Insurance Holdings, Inc. +7.41% +57.82%
Mar. 21 Heritage Insurance's Board Authorizes New $10 Million Share Repurchase Program MT
Mar. 13 Financials Rise as Traders Hedge on Growth Views -- Financials Roundup DJ

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 383.8 280.9 162.5 45.38 197.4 315.2 -
Enterprise Value (EV) 1 383.8 -39.02 -76.06 45.38 197.4 315.2 315.2
P/E ratio - 30.7 x -2.19 x -0.31 x 3.77 x 6.75 x 5.8 x
Yield - - - - - - -
Capitalization / Revenue 0.75 x 0.47 x 0.26 x 0.07 x 0.27 x 0.41 x 0.39 x
EV / Revenue 0.75 x 0.47 x 0.26 x 0.07 x 0.27 x 0.41 x 0.39 x
EV / EBITDA - - - - - - -
EV / FCF - 1,657,900 x 2,748,833 x - - - -
FCF Yield - 0% 0% - - - -
Price to Book 0.85 x 0.64 x 0.46 x 0.35 x 0.89 x 1.14 x 0.98 x
Nbr of stocks (in thousands) 28,964 27,734 27,639 25,208 30,284 30,636 -
Reference price 2 13.25 10.13 5.880 1.800 6.520 10.29 10.29
Announcement Date 2/27/20 3/3/21 3/7/22 3/2/23 3/11/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 511.3 593.4 631.6 662.5 735.5 770.9 812.8
EBITDA - - - - - - -
EBIT 1 49.57 10.18 -7.564 -65.4 63.98 66.77 74.1
Operating Margin 9.69% 1.72% -1.2% -9.87% 8.7% 8.66% 9.12%
Earnings before Tax (EBT) 1 - 2.213 -76.03 -166.2 52 54.87 64.41
Net income 1 - 9.326 -74.73 -154.4 45.31 41.14 48.32
Net margin - 1.57% -11.83% -23.3% 6.16% 5.34% 5.94%
EPS 2 - 0.3300 -2.690 -5.860 1.730 1.525 1.775
Free Cash Flow - 169.5 59.12 - - - -
FCF margin - 28.56% 9.36% - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - 1,817.03% - - - - -
Dividend per Share - - - - - - -
Announcement Date 2/27/20 3/3/21 3/7/22 3/2/23 3/11/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 167.4 166.7 158.6 163.8 165.5 174.6 176.9 185.3 186.3 187 189 191.7 193.4 196.7 199.3
EBITDA - - - - - - - - - - - - - - -
EBIT 1 -15.38 17.64 -39.41 5.222 -47.31 14.91 20.09 17.16 -9.435 36.17 17.34 22.18 3.479 23.78 18.9
Operating Margin -9.19% 10.58% -24.85% 3.19% -28.59% 8.54% 11.36% 9.26% -5.06% 19.35% 9.17% 11.57% 1.8% 12.09% 9.48%
Earnings before Tax (EBT) 1 -17.53 -44.88 -41.38 -87.3 -49.34 11.85 17.21 13.65 -12.03 33.17 21.7 13.39 -4.203 23.98 24.19
Net income 1 -16.41 -49.22 -30.76 -87.87 -48.24 12.5 14.01 7.779 -7.424 30.94 16.34 9.984 -3.203 18.01 18.22
Net margin -9.8% -29.52% -19.39% -53.65% -29.15% 7.16% 7.92% 4.2% -3.98% 16.55% 8.64% 5.21% -1.66% 9.16% 9.14%
EPS 2 -0.5900 -1.790 -1.150 -3.320 -1.830 0.4800 0.5500 0.3000 -0.2800 1.150 0.6050 0.3700 -0.1200 0.6650 0.6700
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 11/4/21 3/7/22 5/5/22 8/4/22 11/8/22 3/2/23 5/4/23 8/8/23 11/2/23 3/11/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - 320 239 - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - 169 59.1 - - - -
ROE (net income / shareholders' equity) 6.6% 2.09% -3.6% -26.8% 25.8% 18.3% 18.3%
ROA (Net income/ Total Assets) - - - - - - -
Assets 1 - - - - - - -
Book Value Per Share 2 15.70 15.90 12.80 5.130 7.290 9.010 10.50
Cash Flow per Share - - - - - - -
Capex - 0.76 1.01 - - - -
Capex / Sales - 0.13% 0.16% - - - -
Announcement Date 2/27/20 3/3/21 3/7/22 3/2/23 3/11/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Heritage Insurance Holdings, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
3
Last Close Price
10.29 USD
Average target price
10 USD
Spread / Average Target
-2.82%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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