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Upturn AI SWOT - About
HRTG 
Heritage Insurance Hldgs Inc (HRTG)
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Upturn Advisory Summary
09/12/2025: HRTG (4-star) is a STRONG-BUY. BUY since 7 days. Simulated Profits (0.49%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $29
1 Year Target Price $29
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 170.44% | Avg. Invested days 33 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 762.72M USD | Price to earnings Ratio 7.09 | 1Y Target Price 29 |
Price to earnings Ratio 7.09 | 1Y Target Price 29 | ||
Volume (30-day avg) 3 | Beta 1.06 | 52 Weeks Range 8.70 - 26.64 | Updated Date 09/14/2025 |
52 Weeks Range 8.70 - 26.64 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.47 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.71% | Operating Margin (TTM) 31.18% |
Management Effectiveness
Return on Assets (TTM) 3.67% | Return on Equity (TTM) 33.49% |
Valuation
Trailing PE 7.09 | Forward PE - | Enterprise Value 404743046 | Price to Sales(TTM) 0.91 |
Enterprise Value 404743046 | Price to Sales(TTM) 0.91 | ||
Enterprise Value to Revenue 0.48 | Enterprise Value to EBITDA - | Shares Outstanding 31017600 | Shares Floating 21727881 |
Shares Outstanding 31017600 | Shares Floating 21727881 | ||
Percent Insiders 22 | Percent Institutions 60.79 |
Upturn AI SWOT
Heritage Insurance Hldgs Inc
Company Overview
History and Background
Heritage Insurance Holdings, Inc. was founded in 2012. It has grown through organic expansion and acquisitions, focusing on providing property and casualty insurance, primarily in coastal states. A significant milestone was its IPO and subsequent expansion into multiple states.
Core Business Areas
- Personal Residential: Provides personal residential property insurance, including homeowners, dwelling fire, and wind-only policies. This segment constitutes the core of Heritage's business.
- Commercial Residential: Offers insurance coverage for commercial residential properties, such as apartments and condominiums.
- Commercial: Provides insurance coverage for commercial properties, such as apartments and condominiums.
Leadership and Structure
The leadership team consists of Bruce Lucas (Chairman & CEO). The organizational structure is typical of an insurance holding company, with subsidiaries handling underwriting, claims, and other operational functions.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Homeowners insurance is Heritage's primary product, covering damage and liability. Competitors include Universal Insurance Holdings (UIHC), Federated National (FNHC), and Progressive (PGR). Market share information is difficult to pinpoint exactly due to varying definitions and geographic regions, but Heritage focuses mainly on coastal states.
- Dwelling Fire Insurance: Covers properties not eligible for homeowners insurance, offering basic fire protection. Competitors include State Farm, Allstate (ALL), and other regional insurers. Market share is smaller compared to homeowners insurance.
- Commercial Residential Insurance: Covers multi-family and condo properties. Competitors include AmTrust Financial Services (AFSI), Chubb (CB), and Travelers (TRV). Heritage's market share is relatively small compared to the larger national players.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by factors such as weather events, regulatory changes, and interest rates. The Florida market, in particular, is facing increased reinsurance costs and regulatory hurdles.
Positioning
Heritage Insurance positions itself as a specialist in coastal property insurance, particularly in Florida and other catastrophe-prone regions. Its competitive advantages are its local market knowledge, relationships with agents, and efficient claims handling process.
Total Addressable Market (TAM)
The TAM for US property and casualty insurance is estimated to be hundreds of billions of dollars. Heritage Insurance focuses on the coastal regions, representing a subset of this TAM. The company's positioning enables it to capture a portion of the market.
Upturn SWOT Analysis
Strengths
- Specialization in coastal property insurance
- Strong relationships with independent agents
- Efficient claims handling process
- Experience in catastrophe-prone regions
Weaknesses
- Geographic concentration in Florida and other high-risk areas
- Vulnerability to large-scale catastrophic events
- Reliance on reinsurance to manage risk
- Smaller size compared to national competitors
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Increased use of technology to improve efficiency
- Strategic acquisitions of smaller insurers
Threats
- Increased competition from national insurers
- Rising reinsurance costs
- Changes in regulatory environment
- Climate change and increasing frequency of severe weather events
Competitors and Market Share
Key Competitors
- UIHC
- FNHC
- VRRM
- KNSL
Competitive Landscape
Heritage Insurance faces competition from larger national insurers with more resources and brand recognition. Its advantages lie in its local market knowledge and specialization in coastal property insurance. Heritage's success depends on its ability to manage risk effectively and provide competitive pricing.
Growth Trajectory and Initiatives
Historical Growth: Heritage has experienced growth through organic expansion and acquisitions. The growth rate has fluctuated due to weather events and market conditions.
Future Projections: Future growth is dependent on factors such as market expansion, product innovation, and the ability to manage risk effectively. Analyst estimates vary.
Recent Initiatives: Recent initiatives may include expansion into new states, development of new insurance products, and implementation of new technologies to improve efficiency and customer service.
Summary
Heritage Insurance Holdings specializes in coastal property insurance, primarily in Florida. Its strengths include expertise in high-risk areas and relationships with independent agents. However, the company is vulnerable to catastrophic events and faces competition from larger insurers. Heritage needs to diversify geographically and manage reinsurance costs to ensure sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Analyst Estimates
- News Articles
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on publicly available information. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Heritage Insurance Hldgs Inc
Exchange NYSE | Headquaters Tampa, FL, United States | ||
IPO Launch date 2014-05-23 | CEO & Director Mr. Ernesto Jose Garateix CPCU | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 540 | Website https://www.heritagepci.com |
Full time employees 540 | Website https://www.heritagepci.com | ||
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
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