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Heritage Insurance Holdings, Inc. (HRTG)

Financial Services · Insurance - Property & Casualty · Small-cap · updated October 16, 2026

ON OUR BUY LIST
What this means. Heritage Insurance Holdings, Inc. is a strong business by our measures, its shares look cheap compared with other stocks, and its share price has been doing well.
Value73
Quality76
Price trend74
Overall74
14 of 2764rank among the US stocks we score (our core model buys the top 15)
99%of US stocks we score rank below it

Scores are 0 to 100 against every US stock we track; 50 is average. Recomputed after every US market close.

The business in numbers

Fiscal year to December 2025, from the company's annual filing with the SEC.

Salesyearly sales$847.3M
Sales growthchange from the year before+3.7%
Operating marginshare of sales left after running the business31.5%
Net marginshare of sales kept as profit23.1%
Free-cash-flow marginspare cash generated per $100 of sales20.6%
Return on invested capitalprofit made on each $100 put into the business36.2%
Return on equityprofit vs. shareholders' accounting value38.7%
Debt / equitydebt vs. shareholders' accounting value0.16
Change in share countnegative = the company is buying back its shares+1.0%

Insider trades, last 90 days

1 insider sold $276K (all under pre-arranged plans) on the open market.

Binnun SharonChief Accounting OfficerSold (plan)Aug 39,200 shat $30.03 · $276K

From Form 4 filings with the SEC. Open-market trades only. "Plan" = a sale set up in advance under a 10b5-1 plan, usually routine.

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