Heritage Insurance Holdings, Inc. HRTG | NYSE
$35.44
$0.61 | 1.75%
TREND SIGNAL:
|2026-10-07
|2026-10-07
Company Overview:
Market Cap:
$1.04B
Trailing PE:
5x
FWD PE *:
7.1x
Payout Ratio (TTM):
0.0%
52-Week Range:
$20.48 - $36.50
* Forward PE is based on street estimates.
10 Year HRTG Performance Metrics:
Total Return (with DRIP):
222.7% (12.43% CAGR)
Total Return (no DRIP):
192.2% (11.32% CAGR)
Share Price:
181.3% (10.90% CAGR)
Yield on Cost (with DRIP):
2.19%
Total Invested:
$10,000
Total Value (with DRIP):
$32,270
Total Return $ (with DRIP):
$22,270
Dividend Increase:
0.0% (0.00% CAGR)
Dividend Yield (FWD):
0.68% ($0.24)
HRTG 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
HRTG Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
HRTG Price CAGR:1Y: 40.80%2Y: 82.59%5Y: 38.88%10Y: 10.90%
HRTG Dividend Charts
HRTG Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 2.86%
HRTG Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
HRTG Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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HRTG Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
HRTG Revenue CAGR:1Y: 2.96%2Y: 2.58%5Y: 7.36%10Y: 6.39%
HRTG EPS CAGR:1Y: 32.26%2Y: 83.32%5Y: 0.00%10Y: 12.70%
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HRTG Net Income CAGR:1Y: 28.50%2Y: 80.84%5Y: 0.00%10Y: 12.88%
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HRTG EBITDA CAGR:1Y: 27.86%2Y: 70.32%5Y: 0.00%10Y: 3.30%
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HRTG Free Cash Flow CAGR:1Y: 243.67%2Y: -2.11%5Y: 17.76%10Y: 11.93%
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HRTG Free Cash Flow / Share CAGR:1Y: 253.21%2Y: -1.09%5Y: 16.05%10Y: 11.79%
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HRTG Operating Income CAGR:1Y: 30.43%2Y: 72.41%5Y: 0.00%10Y: 10.69%
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HRTG Gross Profit CAGR:1Y: 71.55%2Y: -13.27%5Y: 0.39%10Y: 2.88%
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HRTG Shares Outstanding CAGR:1Y: -2.70%2Y: -1.04%5Y: 1.51%10Y: 0.14%
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HRTG Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 7.73%
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HRTG Stock-Based Comp CAGR:1Y: 2.30%2Y: 42.35%5Y: 42.53%10Y: 3.44%
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HRTG Expenses CAGR:1Y: 18.31%2Y: -14.13%5Y: 40.99%10Y: 9.10%
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HRTG Revenue CAGR:1Y: 2.96%2Y: 2.58%5Y: 7.36%10Y: 6.39%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
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HRTG Actual Revenue CAGR:1Y: 2.96%2Y: 2.58%5Y: 7.36%10Y: 6.39%
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HRTG Actual EPS CAGR:1Y: 32.26%2Y: 83.32%5Y: 0.00%10Y: 12.70%
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HRTG Actual Net Income CAGR:1Y: 28.50%2Y: 80.84%5Y: 0.00%10Y: 12.88%
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HRTG Actual EBITDA CAGR:1Y: 27.86%2Y: 70.32%5Y: 0.00%10Y: 3.30%
Ratios, Profit Margins & Return on Capital:
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HRTG Net Profit Margin CAGR:1Y: 24.83%2Y: 76.29%5Y: 0.00%10Y: 6.10%
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HRTG Gross Profit Margin CAGR:1Y: 66.60%2Y: -15.45%5Y: -6.49%10Y: -3.30%
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HRTG Price to Earnings CAGR:1Y: -21.32%2Y: 7.22%5Y: 0.00%10Y: -4.14%
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HRTG Price To Sales Ratio CAGR:1Y: -1.18%2Y: 89.22%5Y: 18.05%10Y: 1.73%
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HRTG Return on Capital Employed CAGR:1Y: -77.36%2Y: -3.87%5Y: 0.00%10Y: 0.02%
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HRTG Return on Invested Capital CAGR:1Y: -72.84%2Y: -2.30%5Y: 0.00%10Y: -2.21%
HRTG Dividends Info:
Annual Dividend:
$0.24
Forward Yield:
0.68%
Ex-Dividend Date:
2022-06-13
Lifetime Dividends / Share:
$1.60
HRTG Dividend History: Dates, Payments & Yield list
Below is a schedule of all HRTG dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 06/13/2022 | 07/05/2022 | $0.060 | 6.76% | 9.2% | $2.61 |
| 03/16/2022 | 04/06/2022 | $0.060 | 3.57% | 3.76% | $6.39 |
| 12/14/2021 | 01/06/2022 | $0.060 | 4.15% | 3.7% | $6.48 |
| 09/14/2021 | 10/06/2021 | $0.060 | 3.82% | 3.4% | $7.06 |
| 06/14/2021 | 07/06/2021 | $0.060 | 2.7% | 2.8% | $8.56 |
| 03/12/2021 | 04/06/2021 | $0.060 | 2.07% | 2.19% | $10.94 |
| 12/14/2020 | 01/05/2021 | $0.060 | 2.52% | 2.31% | $10.41 |
| 09/14/2020 | 10/02/2020 | $0.060 | 1.93% | 2.35% | $10.23 |
| 06/12/2020 | 07/06/2020 | $0.060 | 1.97% | 1.88% | $12.75 |
| 03/13/2020 | 04/03/2020 | $0.060 | 2.3% | 2.31% | $10.40 |
| 12/13/2019 | 01/03/2020 | $0.060 | 1.82% | 1.83% | $13.08 |
| 09/13/2019 | 10/03/2019 | $0.060 | 1.6% | 1.69% | $14.20 |
| 06/13/2019 | 07/03/2019 | $0.060 | 1.54% | 1.5% | $16.03 |
| 03/14/2019 | 04/03/2019 | $0.060 | 1.63% | 1.65% | $14.56 |
| 12/13/2018 | 01/04/2019 | $0.060 | 1.64% | 1.6% | $15.00 |
| 09/13/2018 | 10/03/2018 | $0.060 | 1.52% | 1.68% | $14.32 |
| 06/14/2018 | 07/06/2018 | $0.060 | 1.46% | 1.44% | $16.63 |
| 03/14/2018 | 04/03/2018 | $0.060 | 1.4% | 1.58% | $15.18 |
| 11/16/2017 | 12/15/2017 | $0.060 | 1.44% | 1.37% | $17.51 |
| 09/14/2017 | 10/02/2017 | $0.060 | 1.88% | 1.71% | $14.00 |
| 06/13/2017 | 07/05/2017 | $0.060 | 1.82% | 1.87% | $12.82 |
| 03/13/2017 | 04/04/2017 | $0.060 | 1.71% | 1.89% | $12.70 |
| 12/13/2016 | 01/04/2017 | $0.060 | 1.52% | 1.49% | $16.08 |
| 09/13/2016 | 10/03/2016 | $0.060 | 1.79% | 1.69% | $14.17 |
| 06/13/2016 | 07/01/2016 | $0.060 | 1.93% | 2.01% | $11.97 |
| 03/11/2016 | 04/05/2016 | $0.050 | 1.27% | 1.35% | $14.78 |
| 12/29/2015 | 01/13/2016 | $0.050 | 0.89% | 1.04% | $19.30 |
Projected Future Returns & Dividends for HRTG
Based on past 10-year performance, here are HRTG growth metrics:
Share price CAGR of +10.9%
Dividend CAGR of +2.86%
Using HRTG CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| HRTG (DRIP) | HRTG - No DRIP | |
|---|---|---|
| Current Price | $35.44 | $35.44 |
| Start Shares | 282.17 | 282.17 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 296.45 | 282.17 |
| Dividends Payment | $0.08 | $0.08 |
| Annual Dividends | $94 | $90 |
| Yield on cost | 0.94% | 0.90% |
| Share Price | $99.68 | $99.68 |
| Total Dividends | $793 | $771 |
| Final Value | $29,550 | $28,898 |
Estimated Future Value + Dividends - HRTG
NOTE: Above numbers are our estimate based on HRTG's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Heritage Insurance Holdings, Inc. (HRTG) had its IPO on 2014-05-23, and is traded on NYSE stock exchange.
Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The company also holds a licensing credential in the state of Pennsylvania. Beyond its core insurance offerings, Heritage Insurance Holdings, Inc. also delivers various supplementary services, such as restoration, emergency and recovery operations, property management, and reinsurance services. The distribution of its personal line policies is facilitated through diverse channels, including a network of retail independent agents, wholesale agents, and a dedicated partnership with a direct agency. Furthermore, its market reach indirectly extends to approximately 1,500 retail locations via eight distinct wholesale agency relationships. Both personal and commercial insurance policies are also offered through a network comprising around 70 independent agencies. Established in 2012, Heritage Insurance Holdings, Inc. is headquartered in Tampa, Florida.
HRTG website: https://investors.heritagepci.com
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DCF Model — HRTG
Value from:
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vs current price $35.44
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Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
