Lumida
/HRTG
⌘K
Heritage Insurance Holdings Inc

Heritage Insurance Holdings Inc

HRTG
$34.58USD+0.14%+0.05 today

MARKET CAP

1.0B

P/E (TTM)

5.5x

FWD P/E

DAY RANGE

$34 – $35

52W RANGE

$20
$37

AI Summary

Stalk
Buy NowMedium

HRTG is in a Stage 2 uptrend supported by the Devil’s Bargain continuation pattern, with price tightly consolidating above rising short-term EMAs. Despite overbought conditions, no exhaustion signals are visible, and pullbacks remain shallow and well-supported. The tradable side remains bullish, and current price action favors immediate participation on continuation or shallow retracements into the 9/21 EMA.

  • Q2 net income of $61.7 M (+28.5% YoY) with EPS $2.05 (+32.3%).
  • New business production jumped 46% YoY, fueling premium growth.
  • Current price $32.74 exceeds estimated $31.50 fair value.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$631.6M$662.5M$735.5M$817.0M$847.3M
YoY %+6.4%+4.9%+11.0%+11.1%+3.7%
P / Sales0.3x0.1x0.2x0.5x1.1x
EV / Sales2.3x3.1x2.2x2.6x2.4x
Gross Profit, Adj.$58.2M$5.0M$141.8M$178.7M$360.1M
YoY %-36.5%-91.4%+2738.6%+26.1%+101.5%
Margin %9.2%0.8%19.3%21.9%42.5%
EV / Gross Profit24.8x404.6x11.3x11.7x5.7x
EBITDA, Adj.$4.9M$-53.9M$72.7M$103.2M$279.9M
YoY %-73.0%-1191.8%+234.8%+42.0%+171.3%
Margin %0.8%-8.1%9.9%12.6%33.0%
EV / EBITDA291.9x-37.5x22.0x20.3x7.3x
EBIT$-68.1M$-157.4M$63.2M$93.6M$267.2M
YoY %-768.3%-131.2%+140.2%+48.1%+185.4%
Margin %-10.8%-23.8%8.6%11.5%31.5%
EV / EBIT-21.2x-12.8x25.3x22.4x7.6x
Net Income$-74.7M$-154.4M$45.3M$61.5M$195.6M
YoY %-901.3%-106.6%+129.4%+35.8%+217.8%
Net Margin-11.8%-23.3%6.2%7.5%23.1%
EPS (GAAP)-$2.69-$5.86$1.73$2.01$6.32
YoY %-915.2%-117.8%+129.5%+16.2%+214.4%