HRTG Heritage Insurance Holdings Inc
Price (delayed)
$15.13
Market cap
$648.16M
P/E Ratio
7.53
Dividend/share
N/A
EPS
$2.01
Enterprise value
$325.85M
Heritage Insurance Holdings, Inc. is a super-regional property and casualty insurance holding company. Through its insurance subsidiaries and a large network of experienced agents, the Company writes over $1 billion
Highlights
Heritage Insurance Holdings's equity has increased by 32% YoY and by 4.1% QoQ
The gross profit is up by 20% year-on-year
HRTG's net income is up by 36% year-on-year but it is down by 15% since the previous quarter
HRTG's EPS is down by 21% since the previous quarter but it is up by 16% year-on-year
HRTG's P/E is 45% higher than its last 4 quarters average of 5.2
Key stats
What are the main financial stats of HRTG
Market
Valuations
Earnings
Shares outstanding
42.84M
Market cap
$648.16M
Enterprise value
$325.85M
Price to earnings (P/E)
7.53
Price to book (P/B)
1.6
Price to sales (P/S)
0.57
EV/EBIT
3.48
EV/EBITDA
3.16
EV/Sales
0.4
Revenue
$816.99M
Gross profit
$369.94M
Operating income
$93.61M
Net income
$61.54M
EBIT
$93.61M
EBITDA
$103.16M
Free cash flow
$78.87M
Per share
Balance sheet
Liquidity
EPS
$2.01
EPS diluted
$2.01
Free cash flow per share
$2.58
Book value per share
$9.48
Revenue per share
$26.7
TBVPS
$79.51
Total assets
$2.47B
Total liabilities
$2.18B
Debt
$141.34M
Equity
$290.8M
Working capital
N/A
Debt to equity
0.49
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.12
Margins
Efficiency
Dividend
EBITDA margin
12.6%
Gross margin
45.3%
Net margin
7.5%
Operating margin
11.5%
Return on assets
2.6%
Return on equity
23.2%
Return on invested capital
4.6%
Return on capital employed
N/A
Return on sales
11.5%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
HRTG stock price
How has the Heritage Insurance Holdings stock price performed over time
Intraday
4.92%
1 week
8.3%
1 month
28.77%
1 year
37.67%
YTD
25.04%
QTD
4.92%
Financial performance
How have Heritage Insurance Holdings's revenue and profit performed over time
Revenue
$816.99M
Gross profit
$369.94M
Operating income
$93.61M
Net income
$61.54M
Gross margin
45.3%
Net margin
7.5%
HRTG's operating income is up by 48% YoY but it is down by 4.7% from the previous quarter
HRTG's net income is up by 36% year-on-year but it is down by 15% since the previous quarter
The operating margin has grown by 34% YoY but it has contracted by 7% from the previous quarter
HRTG's net margin is up by 21% YoY but it is down by 18% QoQ
Growth
What is Heritage Insurance Holdings's growth rate over time
Valuation
What is Heritage Insurance Holdings stock price valuation
P/E
7.53
P/B
1.6
P/S
0.57
EV/EBIT
3.48
EV/EBITDA
3.16
EV/Sales
0.4
HRTG's P/E is 45% higher than its last 4 quarters average of 5.2
HRTG's EPS is down by 21% since the previous quarter but it is up by 16% year-on-year
HRTG's price to book (P/B) is 129% higher than its 5-year quarterly average of 0.7 and 33% higher than its last 4 quarters average of 1.2
Heritage Insurance Holdings's equity has increased by 32% YoY and by 4.1% QoQ
The P/S is 90% above the 5-year quarterly average of 0.3 and 43% above the last 4 quarters average of 0.4
The revenue has grown by 11% YoY and by 2.9% from the previous quarter
Efficiency
How efficient is Heritage Insurance Holdings business performance
The ROIC has increased by 48% YoY but it has decreased by 10% QoQ
HRTG's return on sales is up by 34% year-on-year but it is down by 7% since the previous quarter
Heritage Insurance Holdings's return on assets has increased by 30% YoY but it has decreased by 16% QoQ
The return on equity has declined by 21% since the previous quarter and by 12% year-on-year
Dividends
What is HRTG's dividend history
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
Dividend history
Special dividends are included in TTM DPS and yield
Financial health
How did Heritage Insurance Holdings financials performed over time
The total assets is 13% greater than the total liabilities
The total assets has increased by 16% year-on-year and by 4% since the previous quarter
The total liabilities has grown by 15% YoY and by 4% from the previous quarter
HRTG's debt is 51% lower than its equity
Heritage Insurance Holdings's equity has increased by 32% YoY and by 4.1% QoQ
The debt to equity is down by 27% year-on-year and by 6% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.