Heritage Insurance Holdings, Inc. (HRTG) Stock Score, Valuation & Financial Research
Heritage Insurance Holdings, Inc. is in the Financial Services sector and Insurance - Property & Casualty industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 75/100.
Quick answer for HRTG
Heritage Insurance Holdings, Inc. currently has a Wall Street Score of 75/100. The stored market price is $34.96. Its financial score is 54/100. Its valuation score is 100/100. The latest WSS change is -0.2 points. These figures are a research snapshot, not a buy or sell recommendation.
What Heritage Insurance Holdings, Inc. does
Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The co
HRTG financial snapshot
- Wall Street Score:
- 75/100
- Current price:
- $34.96
- Market capitalization:
- $1.06B
- Revenue:
- $781.7M
- Net income:
- $215.3M
- Free cash flow:
- $174.2M
- Cash:
- $587.6M
- Total debt:
- $106.1M
- EPS:
- 6.33
- P/E ratio:
- 5.5x
- Financial score:
- 54/100
- Valuation score:
- 100/100
- Revenue score:
- 40/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $174.2M, showing positive cash generation.
- The balance sheet shows $587.6M of cash versus $106.1M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is -0.2 points: HRTG decreased 0.2 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 54/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HRTG
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.