US · HRTG
Heritage Insurance Holdings, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Tampa, FL 33607
- Website
- investors.heritagepci.com
Price · as of 2024-12-31
$28.73
Market cap 861.5M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $28.09 | -2.23% |
| Intrinsic Value(DCF) | $19.30 | -32.82% |
| Graham-Dodd Method(GD) | $19.54 | -32% |
| Graham Formula(GF) | $37.52 | +30.58% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | $8.69 | $1,884.11 | |||
| 2014 | $18.97 | $86.73 | $3,419,703.77 | $19.97 | $266.05 |
| 2015 | $13.59 | $85.22 | $133,412.52 | $27.06 | $227.58 |
| 2016 | $12.80 | $52.99 | $1,775.12 | $12.78 | $21.54 |
| 2017 | $15.69 | $54.60 | $9.92 | $3.66 | $0.00 |
| 2018 | $12.67 | $55.55 | $11.24 | $12.06 | $26.53 |
| 2019 | $11.33 | $24.88 | $12.80 | $11.47 | $13.97 |
| 2020 | $10.92 | $29.35 | $57.43 | $8.35 | $7.81 |
| 2021 | $6.08 | $77.38 | $9.37 | $0.00 | $0.00 |
| 2022 | $3.47 | $33.53 | $0.77 | $0.00 | $0.00 |
| 2023 | $6.98 | $198.48 | $204.21 | $17.05 | $32.26 |
| 2024 | $11.38 | $28.09 | $319.57 | $19.54 | $37.52 |
AI valuation
Our deep-learning model estimates Heritage Insurance Holdings, Inc.'s (HRTG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $28.09
- Current price
- $28.73
- AI upside
- -2.23%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$19.30
-32.82% upside
Graham-Dodd
$19.54
-32% upside
Graham Formula
$37.52
+30.58% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HRTG | Heritage Insurance Holdin… | $28.73 | 861.5M | -2% | -33% | -32% | +31% | 5.66 | 1.20 | 0.43 | -0.53 | 34.96 | 1.37 | 21.88% | 10.12% | 7.53% | 24.08% | -41.50% | 2.68% | 0.49 | 7.56 | — | — | -3.02 | 1618.00% | 1108.00% | 3030.00% | 22.65% | — | -53.19% | 0.02% | 0.10% | 0.02% | -0.66 | -0.69 | -0.07 | 0.59 |
| ACIC | American Coastal Insuranc… | $11.39 | 555.44M | +870% | +21% | -65% | +181% | 7.14 | 2.29 | 1.82 | 3.33 | — | 3.17 | 52.70% | 37.62% | 25.52% | 37.44% | 193.20% | 6.65% | 0.65 | 9.30 | — | — | 0.12 | -7808.00% | 1251.00% | -27877.00% | 45.06% | — | 561.53% | 4.46% | 31.80% | 4.46% | 3.65 | 1.67 | 1.37 | 0.66 |
| AMAL | Amalgamated Financial Cor… | $38.49 | 1.15B | +2% | +44% | -14% | +93% | 8.32 | 1.25 | 2.03 | -3.12 | 41.01 | 1.28 | 70.33% | 33.38% | 24.45% | 16.46% | -16.33% | 1.31% | 0.47 | 1.22 | 0.24 | 0.24 | 1.81 | 2028.00% | 1382.00% | 565.00% | 13.82% | 0.02 | -18.80% | 1.61% | 13.40% | 1.75% | -3.24 | -3.85 | -1.08 | -0.53 |
| ASIC | Ategrity Specialty Holdin… | $22.12 | 1.06B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| BOW | Bowhead Specialty Holding… | $25.33 | 830.4M | +227% | +2,362% | -14% | +136% | 15.58 | 1.87 | 1.52 | -11.06 | 67.01 | 1.87 | 40.16% | 12.20% | 9.75% | 13.14% | -6.07% | 2.67% | 0.00 | 33.43 | 5110.75 | 5110.75 | -3.37 | 2326.00% | 2961.00% | -10013.00% | -0.05% | -1.22 | 0.04% | 0.00% | 0.00% | 16.26% | -11.39 | 2006.63 | -1.39 | 1.47 |
| DGICA | Donegal Group Inc. | $17.62 | 639.97M | +187% | -52% | +91% | +2% | 6.85 | 0.85 | 0.56 | 5.58 | 16.14 | 0.95 | 42.30% | 9.98% | 8.11% | 13.38% | 19.18% | 3.36% | 0.05 | 72.24 | — | — | 0.08 | 4248.00% | -117.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 5.66 | — | 0.56 | 0.92 |
| SAFT | Safety Insurance Group, I… | $77.63 | 1.16B | -25% | +214% | -51% | +79% | 11.43 | 1.27 | 0.90 | 8.84 | 28.45 | 1.31 | 36.43% | 10.10% | 7.91% | 11.54% | 17.20% | 4.19% | 0.08 | 82.80 | 25.00 | 25.00 | 0.00 | 4017.00% | 1301.00% | 5443.00% | 16.93% | 12.34 | 33.27% | 4.75% | 54.30% | 4.75% | 8.95 | 5.91 | 0.90 | 1.77 |
| SBSI | Southside Bancshares, Inc… | $31.32 | 941.67M | +55% | +190% | +749% | -98% | 13.83 | 0.11 | 2.28 | -7.02 | — | 0.12 | 55.84% | 19.72% | 16.52% | 1.48% | 1.90% | 0.56% | 0.00 | 0.45 | — | — | -0.98 | -2158.00% | -812.00% | -6832.00% | 3.00% | — | 0.79% | 4.53% | 62.70% | 78.45% | -7.02 | -20.19 | -1.38 | 0.23 |
| UFCS | United Fire Group, Inc. | $38.86 | 991.78M | -1% | +141% | +26% | +113% | 8.77 | 1.10 | 0.75 | 5.53 | 10.03 | 1.10 | 44.86% | 10.67% | 8.52% | 13.72% | 42.55% | 3.23% | 0.00 | 13.13 | — | — | -0.98 | 8745.00% | 1075.00% | -1983.00% | 25.41% | — | 94.79% | 1.57% | 13.80% | 8.56% | 5.95 | 3.34 | 0.63 | 0.75 |
| UVE | Universal Insurance Holdi… | $35.17 | 986.48M | +173% | -20% | +49% | +141% | 5.53 | 1.84 | 0.63 | 2.55 | 2.58 | 1.85 | 38.21% | 15.23% | 11.47% | 39.59% | 159.97% | 8.36% | 0.18 | 50.30 | 19.39 | 19.39 | -1.51 | 21443.00% | 494.00% | 19006.00% | 37.24% | 13.36 | 329.68% | 0.00% | 0.00% | 21.65% | 2.61 | 1.68 | 0.40 | 2.93 |
| UVSP | Univest Financial Corpora… | $33.55 | 955.36M | -48% | -10% | -13% | +9% | 10.79 | 1.04 | 1.89 | 11.35 | 48.00 | 1.29 | 61.04% | 21.87% | 17.51% | 9.92% | 7.92% | 1.10% | 0.40 | 0.60 | 0.40 | 0.00 | 3.17 | 2248.00% | 358.00% | 3462.00% | 9.90% | 0.07 | 8.46% | 2.59% | 27.90% | 6.12% | 11.99 | 14.03 | 2.62 | 0.16 |
About Heritage Insurance Holdings, Inc.
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners, and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, and emergency and recovery services; and property management, and reinsurance services. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as indirectly to approximately 1,500 retail locations through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.
- CEO
- Ernesto Jose Garateix
- Employees
- 540
- Beta
- 0.96
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($19.30 ÷ $28.73) − 1 = -32.82% (DCF, example).