HRTG
Heritage Insurance Holdings
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: HRTG
- PE Ratio
The current PE ratio for Heritage Insurance Holdings stock as of Jun 23, 2026 is 3.82. This is calculated based on the current EPS of $6.53 and the stock price of $24.95 per share. The PE ratio has decreased by 27% from the past four quarters average of 5.3.
HRTG PE ratio history
The average historical PE ratio of Heritage Insurance Holdings for the last ten years is 61.45. The current P/E ratio of 3.82 is 94% lower than the historical average. In the past ten years, HRTG's PE ratio peaked in the Sep 2017 quarter at 1,321, when the stock price was $13.21 and the EPS was $0.01. The lowest point was in the Jun 2024 quarter, when it reached 3.56 with a price of $7.08 and an EPS of $1.99.
Heritage Insurance Holdings PE ratio by year
Maximum annual increase: 127.07% in 2020
Maximum annual decrease: -30.04% in 2015
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 4.62 | -23.26% | $29.26 | $6.33 |
| 2024 | 6.02 | 59.68% | $12.1 | $2.01 |
| 2023 | 3.77 | N/A | $6.52 | $1.73 |
| 2022 | N/A | N/A | $1.8 | -$5.86 |
| 2021 | N/A | N/A | $5.88 | -$2.69 |
| 2020 | 30.7 | 127.07% | $10.13 | $0.33 |
| 2019 | 13.52 | -3.57% | $13.25 | $0.98 |
| 2018 | 14.02 | N/A | $14.72 | $1.05 |
| 2017 | N/A | N/A | $18.02 | -$0.04 |
| 2016 | 13.75 | 94.21% | $15.67 | $1.14 |
| 2015 | 7.08 | -30.04% | $21.82 | $3.08 |
| 2014 | 10.12 | N/A | $19.43 | $1.92 |
| 2013 | N/A | N/A | N/A | $2.39 |
| 2012 | N/A | N/A | N/A | $2.39 |
Heritage Insurance Holdings PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 4.02 | -12.99% | $26.25 | $6.53 |
| Dec 2025 | 4.62 | -11.32% | $29.26 | $6.33 |
| Sep 2025 | 5.21 | -27.54% | $25.18 | $4.83 |
| Jun 2025 | 7.19 | 26.58% | $24.94 | $3.47 |
| Mar 2025 | 5.68 | -5.65% | $14.42 | $2.54 |
| Dec 2024 | 6.02 | 24.9% | $12.1 | $2.01 |
| Sep 2024 | 4.82 | 35.39% | $12.24 | $2.54 |
| Jun 2024 | 3.56 | -44.2% | $7.08 | $1.99 |
| Mar 2024 | 6.38 | 69.23% | $10.65 | $1.67 |
| Dec 2023 | 3.77 | -41.91% | $6.52 | $1.73 |
| Sep 2023 | 6.49 | N/A | $6.49 | $1 |
| Jun 2023 | N/A | N/A | $3.85 | -$0.55 |
| Mar 2023 | N/A | N/A | $3.08 | -$4.17 |
| Dec 2022 | N/A | N/A | $1.8 | -$5.86 |
| Sep 2022 | N/A | N/A | $2.26 | -$8.08 |
HRTG Price vs fair value
HRTG average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, HRTG's PE ratio is lower than the 3, 5 and 10-year averages.
PE comparison
Heritage Insurance Holdings's P/E of 3.82 is below the Financial Services sector and the industry average. In comparison with its Financial Services sector average of 12.95, Heritage Insurance Holdings's P/E is 71% lower.
HRTG PE vs peers
In comparison to its peer stocks PGR and WRB, HRTG's PE ratio is lower.
| Stock name | PE ratio | Market cap |
|---|---|---|
| HRTG Heritage Insurance Holdings Inc | 3.82 | $757.23M |
| PGR Progressive Corp | 10.93 | $126.04B |
| RLI Rli Corp | 12.52 | $4.95B |
| WRB Berkley W R Corp | 14.55 | $25.67B |
| TEAD Teads Holding Co. | N/A | $113M |
Frequently asked questions
What is Heritage Insurance Holdings's PE ratio?
HRTG's price to earnings ratio is 3.82 as of Jun 23, 2026.
What is the 3-year average PE ratio for Heritage Insurance Holdings (HRTG)?
Over the last 3 years, the average price to earnings ratio for HRTG stock is 5.25.
What is the 5-year average PE ratio for Heritage Insurance Holdings (HRTG)?
Over the last 5 years, the average price to earnings ratio for HRTG stock is 5.25.
What is the highest PE ratio for HRTG?
Over the last ten years, the quarterly PE ratio reached a historic high of 1,321 in the Sep 2017 quarter.
How does the current PE ratio for HRTG compare to its historical average?
The current price to earnings ratio of HRTG is 94% lower than the 10-year historical average.
Why is Heritage Insurance Holdings's PE ratio so low?
HRTG's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is HRTG's PE ratio calculated (Heritage Insurance Holdings PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jun 23, 2026), Heritage Insurance Holdings's stock price is $24.95. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $6.53. Therefore, Heritage Insurance Holdings's PE ratio for today is 3.82. PE RATIO(3.82) = STOCK PRICE($24.95) / TTM EPS($6.53)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.