Heritage Insurance Holdings, Inc. (HRTG) stock analysis

In our weekly check, Heritage Insurance Holdings, Inc. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 14 pass, warnings: 6, red flags: 3.

About Heritage Insurance Holdings, Inc.

Heritage Insurance Holdings, Inc. is a Financial Services company (Insurance - Property & Casualty) based in the United States, listed on NYSE as HRTG.

What our checks show for HRTG

Red flags

• Analysts expect the net margin to shrink by 9.8 points from today's 27.5%.
• The price swings a lot: 50.4% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 95% from a peak. Would you have held through that?

Warning signs

• Analysts expect earnings per share to shrink about 14.5% a year.
• Analysts expect only about 2.3% a year of growth in revenue.
• A small company (market value $1.09 billion): usually riskier and followed by fewer analysts.
• Recovering from its deepest fall took about 2.8 years.
• The share count grew by 17.9% in 2 years: each shareholder owns a smaller slice.
• Thinly traded (about 286 thousand shares a day): buying and selling can move the price.

Strengths

• The net margin rose by 39.4 points over 5 years, to 27.5%.
• The gross margin is 58.9% and has risen by 49.7 points: pricing power is holding.
• The company keeps 27.5% of its revenue as net profit.
• Free cash flow is 22.3% of revenue: cash for dividends, buybacks or growth.
• The price is 5.2 times earnings (P/E), reasonable for its growth.
• Pay in shares is only 3% of free cash flow.

Next earnings report: 2026-10-28

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Questions

What grade does Heritage Insurance Holdings, Inc. (HRTG) have?

In our weekly check, Heritage Insurance Holdings, Inc. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 14 pass, warnings: 6, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of HRTG stock?

This week's biggest flags for Heritage Insurance Holdings, Inc.: Margins expected to shrink, Very volatile, Deep past fall. In total 9 of 23 checks show a warning or a red flag.

What does Heritage Insurance Holdings, Inc. do?

Heritage Insurance Holdings, Inc. is a Financial Services company (Insurance - Property & Casualty) based in the United States, listed on NYSE as HRTG.

When does Heritage Insurance Holdings, Inc. report earnings next?

The next earnings report is expected on 2026-10-28. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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