Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
Heritage Insurance Hldgs Inc(HRTG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HRTG
10/23/2026: HRTG (4-star) is a STRONG-BUY. BUY for 82 days. Simulated Profits (41.18%). Updated daily EoD!
Heritage Insurance Hldgs Inc is a regional property and casualty insurer specializing in residential policies, with a significant presence in hurricane-prone coastal markets. Its strengths include a deep understanding of complex coastal underwriting and an established agency distribution network. The primary investment story revolves around its success in diversifying beyond Florida and its ability to maintain underwriting discipline. However, investors must weigh the significant risks of catastrophe-driven earnings volatility, reliance on expensive reinsurance, and regulatory shifts. This stock is best suited for investors comfortable with sector-specific volatility who are monitoring improvements in combined ratios and geographic expansion efforts.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is dependent on successful expansion and market conditions rather than consistent secular demand. |
| Momentum investor | Weak fit | This is a volatile sector where stock price is often tied to insurance cycles and weather events. |
| Value investor | Mixed fit | The stock may trade at attractive book value multiples, but risk assessment is complex. |
| Dividend investor | Weak fit | The company does not prioritize regular, high-yield dividend payouts. |
| Low-risk investor | Weak fit | High sensitivity to catastrophe losses creates significant volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Insurance stocks are subject to sudden shifts based on seasonal weather patterns and market sentiment. |
| Valuation risk | Medium | Valuations are highly dependent on underwriting profitability and book value integrity. |
| Competition risk (National/Regional Insurers) | High | Large national insurers have deeper pockets to compete on pricing and coverage terms. |
| Business quality | Medium | The business model is highly reliant on external factors like reinsurance costs and regulatory support. |
| Dividend income | Low / none | Income generation is not a core part of the investment thesis. |
| Execution risk | Medium / high | The company must successfully manage claims and reinsurance renewals to maintain solvency. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 92.45% | Avg. Invested days 35 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.12B USD | Price to earnings Ratio 5.38 | 1Y Target Price 39 |
Price to earnings Ratio 5.38 | 1Y Target Price 39 | ||
Volume (30-day avg) 255.2K shares | Beta 0.92 | 52 Weeks Range 20.48 - 37.87 | Updated Date 10/23/2026 |
52 Weeks Range 20.48 - 37.87 | Updated Date 10/23/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.01 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Residential Insurance | Homeowners and property insurance premiums collected from policyholders. | The company collects money upfront for policies and keeps the profit after paying claims and expenses. |
| Commercial Residential Insurance | Premiums from multi-unit property insurance policies. | Provides additional revenue streams by diversifying into commercial property coverage. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate 1.04 | Actual - |
Profitability
Profit Margin 25.19% | Operating Margin (TTM) 39.15% |
Management Effectiveness
Return on Assets (TTM) 7.38% | Return on Equity (TTM) 45.28% |
Valuation
Trailing PE 5.38 | Forward PE - | Enterprise Value 487.49M | Price to Sales(TTM) 1.31 |
Enterprise Value 487.49M | Price to Sales(TTM) 1.31 | ||
Enterprise Value to Revenue 0.62 | Enterprise Value to EBITDA - | Shares Outstanding 29.73M | Shares Floating 22.66M |
Shares Outstanding 29.73M | Shares Floating 22.66M | ||
Percent Insiders 19.74 | Percent Institutions 67.5 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.