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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
09/25/2026: HRTG (4-star) is a REGULAR-BUY. BUY for 62 days. Simulated Profits (27.57%). Updated daily EoD!
Heritage Insurance Holdings is a regional property and casualty insurer focused on residential coverage, particularly in catastrophe-exposed coastal areas. The company has made progress in diversifying its geographic footprint and implementing a more disciplined underwriting approach to navigate volatile weather markets. Its primary growth story revolves around managing risk exposure and capturing value through rate increases in improving regulatory environments. However, investors must weigh these potential gains against the significant risks of hurricane-related losses, reinsurance cost sensitivity, and regional competitive pressures. The stock is currently best suited for those comfortable with high volatility, as it lacks a dividend and depends heavily on effective execution in a challenging industry.
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 largely cyclical and constrained by the need to manage catastrophe risk exposures. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit strong price trends during periods of favorable loss experience or market consolidation. |
| Value investor | Strong fit | The stock often trades at low multiples of book value, providing potential upside if underwriting margins stabilize. |
| Dividend investor | Weak fit | The company does not currently pay a regular dividend to shareholders. |
| Low-risk investor | Weak fit | High susceptibility to catastrophe-related volatility makes this an unsuitable choice for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Frequent and severe weather events can cause significant, sudden swings in the stock price. |
| Valuation risk | Medium | While often inexpensive on a book value basis, valuation is clouded by potential future underwriting losses. |
| Competition risk (Florida regional carriers) | High | Competition from well-capitalized national insurers and smaller, agile regional carriers limits pricing power. |
| Business quality | Medium | The business is sensitive to external environmental factors that are outside of management's direct control. |
| Dividend income | Low / none | Investors should not rely on this stock for consistent cash income. |
| Execution risk | Medium / high | Management must successfully balance aggressive risk reduction with the need to maintain sufficient scale for profitability. |
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 32.04% | Avg. Invested days 33 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 986.52M USD | Price to earnings Ratio 4.72 | 1Y Target Price 39 |
Price to earnings Ratio 4.72 | 1Y Target Price 39 | ||
Volume (30-day avg) 270.9K shares | Beta 0.92 | 52 Weeks Range 20.48 - 36.50 | Updated Date 09/25/2026 |
52 Weeks Range 20.48 - 36.50 | Updated Date 09/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Residential | Homeowner policies for primary and secondary residences. | The primary way the company earns money is by collecting premiums that exceed insurance claims and costs. |
| Commercial Residential | Property insurance for condos and apartment buildings. | This segment diversifies income but carries concentrated risk if a large property suffers a major loss. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 4.72 | Forward PE - | Enterprise Value 487.49M | Price to Sales(TTM) 1.15 |
Enterprise Value 487.49M | Price to Sales(TTM) 1.15 | ||
Enterprise Value to Revenue 0.62 | Enterprise Value to EBITDA - | Shares Outstanding 29.73M | Shares Floating 22.11M |
Shares Outstanding 29.73M | Shares Floating 22.11M | ||
Percent Insiders 20.03 | Percent Institutions 68.09 |
Upturn AI Summary
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.
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.
About Heritage Insurance Hldgs Inc
Exchange NYSE | Headquarters 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 542 | Website https://www.heritagepci.com |
Full time employees 542 | 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, Hawaii, 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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