Heritage Insurance Holdings Inc. (HRTG) earns a Roarable Rating of B+ (Buy) with 77/100 RQD Confidence. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-03, Heritage Insurance Holdings Inc. (NYSE: HRTG) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $35.94 (+0.84% 1D, market cap $1.06B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 17/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, HRTG ranks #22 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), HRTG carries a Roarable B+ (77/100 RQD), trailing P/E of 5.5x, gross margin of —, and ROIC of 85.0%. By comparison, IGIC (International General Insurance Holdings Ltd. Ordinary Share) holds a D+ grade (53/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.04B) and BOW (Bowhead Specialty Holdings Inc.) posts a C grade (63/100 RQD, P/E 20.9x, ROIC 12.0%, cap $1.12B). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG leads on capital efficiency (85.0% ROIC).
Per HRTG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001598665), Heritage Insurance Holdings Inc. generated $847.3M in revenue (+3.7% YoY), $195.6M in net income, and $174.2M in free cash flow against $2.20B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 20.6% FCF Margin ($174.2M FCF) & 52% Gross Margin
FRED Regime × Technicals: 89% of 52W Range • RSI-14 at 50.6 (NEUTRAL RANGE)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
Even with a 77/100 (B+) score, HRTG faces multiple-compression risk if 5.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.87) or 200D SMA ($28.72) invalidates the momentum regime and cuts Target Base ($39.01) toward Bear Floor ($29.47).
Heritage Insurance Holdings Inc. (HRTG) advanced +0.84% to $35.94, trading at 89% of its 52-week range ($20.48 – $37.87). High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
Yahoo Finance report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Beinsure report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Heritage Insurance (NYSE:HRTG) reported third-quarter net income of $51.1 million, or $1.72 per diluted share, as the insurer absorbed higher catastrophe and weather losses while benefiting from lower reinsurance costs,
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on HRTG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for HRTG. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Heritage Insurance Holdings Inc. (HRTG) ranks #22 by composite RQD confidence (77/100, grade B+) and #537 by equity capitalization ($1.06B). Within this direct 5-issuer industry benchmark cohort, HRTG leads on earnings valuation at 5.5x trailing P/E, while HRTG leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. HRTG currently leads its immediate peer cohort in composite quantitative strength at 77/100 (B+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| HRTG
ACTIVE
Heritage Insurance Holdings Inc. | B+ | 77/100 | 5.5x | — | 85.0% | +0.84% | $1.06B | Benchmark Subject |
| IGIC International General Insurance Holdings Ltd. Ordinary Share | D+ | 53/100 | 8.3x | — | 17.9% | +1.97% | $1.04B | /igic-vs-hrtg → |
| BOW Bowhead Specialty Holdings Inc. | C | 63/100 | 20.9x | — | 12.0% | -0.23% | $1.12B | /bow-vs-hrtg → |
| ASIC Ategrity Specialty Insurance Company Holdings | C+ | 66/100 | 15.8x | — | 12.0% | +2.02% | $1.14B | /asic-vs-hrtg → |
| HIPO Hippo Holdings Inc. | C- | 60/100 | 15.7x | — | 14.4% | -2.54% | $975.2M | /hipo-vs-hrtg → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Heritage Insurance Holdings Inc. (HRTG) reported GAAP revenue of $847.3M (+3.7% vs. FY2024 revenue of $817.0M , and +15.2% cumulative change since FY2023) , GAAP net income of $195.6M, operating cash flow of $182.2M, and free cash flow of $174.2M (+120.8% YoY). On the balance sheet, HRTG closed FY2025 with $2.20B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $847.3M | $195.6M | $182.2M | $174.2M | $2.20B | — |
| FY2024 (FY) | 2024-12-31 | $817.0M | $61.5M | $87.1M | $78.9M | $2.47B | — |
| FY2023 (FY) | 2023-12-31 | $735.5M | $45.3M | $70.4M | $70.4M | — | — |
As of 2026-11-03, Heritage Insurance Holdings Inc. (NYSE: HRTG) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $35.94 (+0.84% 1D, market cap $1.06B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 17/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, HRTG ranks #22 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), HRTG carries a Roarable B+ (77/100 RQD), trailing P/E of 5.5x, gross margin of —, and ROIC of 85.0%. By comparison, IGIC (International General Insurance Holdings Ltd. Ordinary Share) holds a D+ grade (53/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.04B) and BOW (Bowhead Specialty Holdings Inc.) posts a C grade (63/100 RQD, P/E 20.9x, ROIC 12.0%, cap $1.12B). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG leads on capital efficiency (85.0% ROIC).
Per HRTG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001598665), Heritage Insurance Holdings Inc. generated $847.3M in revenue (+3.7% YoY), $195.6M in net income, and $174.2M in free cash flow against $2.20B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
HRTG last traded at $35.94 (+0.84% on volume of 278,865 shares), positioning the stock +3.07% above its 50-day simple moving average ($34.87) and +25.14% above its 200-day simple moving average ($28.72). Across its 52-week range of $20.48 to $37.87, HRTG sits at the 88.9% percentile with a 14-day RSI of 50.6 (NEUTRAL RANGE) and an implied next-earnings move of ±7.5% ($33.24 to $38.64).
Heritage Insurance Holdings Inc. (HRTG) earns a live Roarable RQD composite score of 77/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $35.94 (+0.84% 1D, market capitalization $1.06B).
Heritage Insurance Holdings Inc. Is a NYSE-listed issuer in the Financials sector, Property-Casualty Insurers industry. FY 2025 revenue was $847.3M. Customer segments, product lines, and distribution channels are — The profile does not describe how the company makes money beyond its sector and industry classification.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Heritage Insurance Holdings Inc. (HRTG) reported $847.3M in annual revenue (up from $817.0M in FY2024, +3.7% YoY) and $195.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($735.5M revenue, $45.3M net income) through FY2025, HRTG scaled operating cash flow to $182.2M and free cash flow to $174.2M, backed by $2.20B in total assets against $0 in total debt.
Upstream and downstream dependencies are therefore — Sector correlations beyond the Financials / Property-Casualty Insurers classification are — Second-order bottlenecks cannot be identified from the provided material. Investors should note that the absence of graph links is a gap in the data, not evidence of no exposure.
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Yahoo Finance report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Beinsure report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Heritage Insurance Holdings Inc. (HRTG) market action, institutional positioning, and fundamental catalysts.
Don't sleep on HRTG's setup in Financials. An 85% ROIC and 16.21% FCF yield, with P/E (TTM) of 5.5, indicate strong cash generation at a low earnings multiple per the RQD rating and market data.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (77/100) backs up the fundamental quality.
@AlphaFlow_Cap Agree on the RQD 77/100 quality, though with 1.0 beta I'm scaling in with half-size at $35.64 and keeping dry powder in case we test $33.15.
Fading this rally in HRTG at $35.64. The stock has already rallied from a $20.48 low toward $37.87, and the forensic balance sheet pillar scores 13/20 on a Piotroski F of 5/9.. With a beta of 1.0 and the stock sitting at $35.64 (52-wk range $20.48–$37.87), the easy multiple expansion is already priced in.
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