HERITAGE INSURANCE HOLDINGS INC (HRTG)
Financials · Property and casualty insurance (coastal homeowners) · NYSE
A coastal property insurer specializing in homeowners and dwelling coverage in hurricane-prone states, leveraging proprietary analytics and vertical integration to manage catastrophic weather risk.
What HERITAGE INSURANCE HOLDINGS INC does
Heritage Insurance Holdings is a property and casualty insurance company that provides homeowners and dwelling fire insurance, primarily in coastal states including Florida, California, Hawaii, and other regions exposed to hurricane and wildfire risks. The company underwrites personal lines of insurance and utilizes proprietary data analytics and underwriting models to assess and price risks. Heritage operates through a network of independent agents and direct channels, and employs reinsurance strategies to manage its exposure to catastrophic weather events.
Themes: ["Coastal property insurance"]
Fundamentals
- Price$27.12 as of 2026-07-09 close
- Market cap$827M as of 2026-07-10
- 1-year return+21.9% as of 2026-07-09 close
- P/E4.10 as of 2026-07-10
- Net margin+23.8% as of 2026-07-10
- ROE+43.7% as of 2026-07-10
- Debt / equity0.18 as of 2026-07-10
- Revenue growth (YoY)+1.4% as of 2026-07-10
- Revenue CAGR (3y)+8.6% SEC XBRL
- Beta0.94 as of 2026-07-10
Dividend: yield +2.8%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration of business in coastal states exposes the company to significant hurricane, winter storm, and weather-related catastrophe losses that could exceed reserves; actual claims may materially exceed loss reserve estimates."]
Competitors & peers
- State Farm
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.