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Upturn AI SWOT - About
HRTG 
Heritage Insurance Hldgs Inc (HRTG)
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Upturn Advisory Summary
10/21/2025: HRTG (4-star) is a WEAK-BUY. BUY since 34 days. Simulated Profits (-6.54%). 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 $31.5
1 Year Target Price $31.5
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 151.52% | Avg. Invested days 35 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/21/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 719.92M USD | Price to earnings Ratio 6.61 | 1Y Target Price 31.5 |
Price to earnings Ratio 6.61 | 1Y Target Price 31.5 | ||
Volume (30-day avg) 3 | Beta 0.98 | 52 Weeks Range 9.71 - 29.10 | Updated Date 10/21/2025 |
52 Weeks Range 9.71 - 29.10 | Updated Date 10/21/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.51 |
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 6.61 | Forward PE - | Enterprise Value 366901610 | Price to Sales(TTM) 0.86 |
Enterprise Value 366901610 | Price to Sales(TTM) 0.86 | ||
Enterprise Value to Revenue 0.44 | Enterprise Value to EBITDA - | Shares Outstanding 31017570 | Shares Floating 22001499 |
Shares Outstanding 31017570 | Shares Floating 22001499 | ||
Percent Insiders 20.88 | Percent Institutions 61.92 |
Upturn AI SWOT
Heritage Insurance Hldgs Inc
Company Overview
History and Background
Heritage Insurance Holdings, Inc. (HRTG) was founded in 2012. It provides property and casualty insurance, focusing on personal residential homeowners and commercial residential properties. The company has expanded its geographical footprint through organic growth and acquisitions.
Core Business Areas
- Personal Residential: Provides homeowners insurance policies covering dwelling, personal property, and liability.
- Commercial Residential: Offers insurance coverage for apartment buildings, condominiums, and other commercial residential properties.
- Other: Includes other related services like claims management and underwriting support.
Leadership and Structure
The leadership team consists of Bruce Lucas (Chairman & CEO). The organizational structure is typical of publicly traded insurance companies, with departments covering underwriting, claims, finance, and sales.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Covers damages to the insured's dwelling and personal property, as well as liability claims. Market share data is regionally specific (Florida, etc.) and not easily generalized nationally but Heritage is considered a top 10 insurer in Florida. Competitors include State Farm, Allstate, Citizens Property Insurance Corporation.
- Commercial Residential Insurance: Provides coverage for multi-family properties against property damage and liability. Market share data unavailable. Competitors include AmTrust Financial, Chubb.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive, influenced by factors such as weather patterns, regulatory changes, and interest rates. The Florida insurance market is particularly challenging due to frequent hurricanes and litigation.
Positioning
Heritage Insurance Holdings positions itself as a specialist in underserved markets, particularly in coastal states. It attempts to differentiate through claims handling and customer service.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the US is estimated at hundreds of billions of dollars. Heritage's market capitalization represents a small fraction of this TAM, indicating considerable growth potential if they are able to expand operations.
Upturn SWOT Analysis
Strengths
- Specialization in coastal markets
- Focus on underserved areas
- Experienced management team
- Proprietary claims management system
Weaknesses
- Geographic concentration in hurricane-prone states
- Reliance on reinsurance
- Smaller size compared to larger national insurers
- Volatile earnings due to catastrophe losses
Opportunities
- Expansion into new states
- Development of new insurance products
- Technological advancements in underwriting and claims
- Acquisition of smaller insurance companies
Threats
- Increased frequency and severity of natural disasters
- Rising reinsurance costs
- Regulatory changes
- Competition from larger national insurers
Competitors and Market Share
Key Competitors
- ALL (The Allstate Corporation)
- TRV (The Travelers Companies, Inc.)
- PRU (Prudential Financial, Inc.)
Competitive Landscape
Heritage is a smaller regional player compared to national giants like Allstate and Travelers. Its competitive advantage lies in its specialization in specific markets, but it faces disadvantages in terms of capital resources and brand recognition.
Major Acquisitions
NBIC Holdings
- Year: 2018
- Acquisition Price (USD millions): 52
- Strategic Rationale: Expanded Heritage's geographic footprint into new states and broadened its product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been inconsistent due to weather-related losses and market volatility.
Future Projections: Analyst estimates are varied, dependent on catastrophic events, and difficult to generalize without access to current financial analyst reporting.
Recent Initiatives: Heritage has been focusing on improving its underwriting practices, managing reinsurance costs, and potentially expanding its geographic footprint.
Summary
Heritage Insurance Hldgs Inc. faces considerable challenges due to its concentration in hurricane-prone regions and reliance on reinsurance. While the company possesses expertise in its core markets and has demonstrated growth through strategic acquisitions, its financial performance is heavily influenced by unpredictable catastrophic events. To enhance stability and long-term value, Heritage needs to focus on diversifying its geographic reach, improving underwriting practices, and managing reinsurance expenses. It is in the middle of trying to manage it's financials and growth, they still have a long way to go. The recent expansion of policies outside of Florida is a promising step.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports (e.g., S&P, A.M. Best)
- Financial News Outlets
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial data is not live and should be verified with the company's official filings.
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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