# Heritage Insurance Holdings share price today (Heritage Insurance Holdings, Inc., HRTG)

> Heritage Insurance Holdings, Inc.'s earnings have grown faster than its share price. Earnings per share grew +214.4% in a year while the price moved +51.1%. HRTG · Financials · Insurance - Property & Casualty · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/hrtg

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## Key numbers

- Business trend: Growing steadily, from the last 12 quarters
- Price: $35.71 (+51.1% in a year)
- P/BV: 1.7× (higher than 63% of the last 1 year)
- Revenue (Jun 2026): $214 M (+3.0% on a year ago)
- Profit (Jun 2026): $61.7 M (+28.5% on a year ago)
- Net margin: 28.8% (+5.7 points on a year ago)
- ROE: 42%, FY25
- ROA: 7.92%, latest

The main question: yearly earnings per share moved +214.4% while the share price moved +51.1%. ## What is the Heritage Insurance Holdings share price today? Heritage Insurance Holdings, Inc.'s share price was $35.71 at the close on 3 November 2026. That is 24.3% above its average price over the last 200 trading days. In the last 52 weeks it traded between $22 and $37, and at that close it sat 93% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 14 weeks in a row. Over the last 1 year the share price moved +69% while the S&P 500 moved +21%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Heritage Insurance Holdings pay? Heritage Insurance Holdings, Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Heritage Insurance Holdings on? Heritage Insurance Holdings is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Heritage Insurance Holdings profitable? Heritage Insurance Holdings, Inc. earned $61.7 M of net profit in the Jun 2026 quarter, +28.5% on the same quarter a year earlier. That is the 6th quarter in a row of profit growth. Full-year FY25 profit was $196 M. That is 28.8% of the quarter's revenue. The same quarter a year earlier earned $48.0 M. 1 of the last 12 reported quarters were loss-making. For the full year, FY25 profit was $196 M (+217.8% on the year before). Why profit moved: revenue changed +3.0% on a year earlier and the margin moved +5.7 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +198.8% and revenue +1.5%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Heritage Insurance Holdings make, and is it growing? Heritage Insurance Holdings, Inc. reported $214 M of income in the Jun 2026 quarter, +3.0% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 4 years it has grown 7.6% a year on average. The last full year, FY25, came in at $847 M. The last four reported quarters add to $855 M. FY25 revenue was $847 M, +3.7% on the year before. Recent pace: the last four quarters grew +1.5% on average, against 7.6% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +1.5%, against +5.5% a year over the last 8 quarters (rolling over); profit over the last 12 months grew +101.3%, against +95.0% a year (accelerating). ## How much does Heritage Insurance Holdings keep from what it earns? Heritage Insurance Holdings, Inc.'s net margin was 28.8% in the Jun 2026 quarter, 5.7 percentage points higher than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 5 years it has been between −23.3% and 23.1%. The latest quarter is above every full year in that period. Across 5 years it has been between −23.3% and 23.1%, and FY25's 23.1% is the highest of them. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. When margins are at a record, every ratio built on profit looks better than usual, so watch whether they hold. ## How many of Heritage Insurance Holdings' loans have gone bad? Heritage Insurance Holdings, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Heritage Insurance Holdings' loan book growing? Heritage Insurance Holdings, Inc.'s revenue was $847 M in FY25, +3.7% on the year before, so the loan book is growing. The latest quarter was +3.0% on a year earlier. The net margin on that income is 28.8%, +5.7 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Heritage Insurance Holdings' P/BV ratio, and how does it compare with its own history? Heritage Insurance Holdings, Inc.'s P/BV is 1.7×, in the middle of its own history: higher than 63% of past readings. Its usual P/BV (the middle reading) is 1.6×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +51.1%. Price and book value moved together, so the multiple stayed in its range. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the Heritage Insurance Holdings business getting better or worse? Heritage Insurance Holdings, Inc.'s business is growing steadily. Revenue, profit and EPS growth have stayed positive throughout, and ROE is steady at 37.9%. This is based on 12 quarters of 4 measures. Why it matters: steady growth with healthy returns is how a business compounds over time. ## How much does Heritage Insurance Holdings earn on its equity and assets? Heritage Insurance Holdings, Inc. earned a return on equity of 39% in FY25. Its lowest yearly reading on file was −118% in FY22. On its assets, every $100 earned about $7.92, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Heritage Insurance Holdings have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Heritage Insurance Holdings shareholding pattern? 3.5% of Heritage Insurance Holdings, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 2.9 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Heritage Insurance Holdings from balance-sheet trouble? For Heritage Insurance Holdings, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Heritage Insurance Holdings rank in its industry? There is no score against its industry: Heritage Insurance Holdings, Inc. is not among the largest members shown in this industry comparison for Insurance - Property & Casualty. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Heritage Insurance Holdings compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Heritage Insurance Holdings in size? Heritage Insurance Holdings is the 36th largest of 44 Insurance - Property & Casualty companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: ProAssurance Corporation, Ategrity Specialty Insurance Company Holdings and Bowhead Specialty Holdings Inc. Just below it: Hippo Holdings Inc., Root, Inc. and Donegal Group Inc. ### Insurance - Property & Casualty companies close in size

1. [ProAssurance Corporation](https://www.sectoralpha.in/us/stocks/pra) $1.3 billion
2. [Ategrity Specialty Insurance Company Holdings](https://www.sectoralpha.in/us/stocks/asic) $1.2 billion
3. [Bowhead Specialty Holdings Inc.](https://www.sectoralpha.in/us/stocks/bow) $1.1 billion
4. Heritage Insurance Holdings, Inc. $1 billion
5. [Hippo Holdings Inc.](https://www.sectoralpha.in/us/stocks/hipo) $933 million
6. [Root, Inc.](https://www.sectoralpha.in/us/stocks/root) $835 million
7. [Donegal Group Inc.](https://www.sectoralpha.in/us/stocks/dgica) $693 million

[All 44 Insurance - Property & Casualty companies, largest first](https://www.sectoralpha.in/us/sectors/insurance-property-casualty#all-companies)

### Companies close in size in other industries

1. [International General Insurance Holdings Ltd.](https://www.sectoralpha.in/us/stocks/igic) $1 billion · Insurance - Diversified
2. [CeriBell, Inc.](https://www.sectoralpha.in/us/stocks/cbll) $1 billion · Medical Devices
3. Heritage Insurance Holdings, Inc. $1 billion
4. [Ituran Location and Control Ltd.](https://www.sectoralpha.in/us/stocks/itrn) $1 billion · Scientific & Technical Instruments
5. [Newsmax Inc.](https://www.sectoralpha.in/us/stocks/nmax) $1 billion · Broadcasting

## What else do people ask about Heritage Insurance Holdings? ### What were Heritage Insurance Holdings's latest quarterly results? Heritage Insurance Holdings, Inc. reported total income of $214 M and net profit of $61.7 M for the Jun 2026 quarter. Income rose 3.0% and profit rose 28.5% compared with a year earlier. Earnings per share were $2.05 (as of 3 November 2026). ### What is Heritage Insurance Holdings's market cap? Heritage Insurance Holdings, Inc.'s market capitalisation is $1.0 B at a stock price of $35.71. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Heritage Insurance Holdings performing? Heritage Insurance Holdings, Inc.'s latest readings are below. In its latest quarter, income rose 3.0% and profit rose 28.5% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 14 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will Heritage Insurance Holdings's stock price go up? This page does not forecast Heritage Insurance Holdings, Inc.'s stock price. What it shows instead: the stock price is $35.71. Its P/BV of 1.7× is higher than 63% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is Heritage Insurance Holdings in its business cycle? Heritage Insurance Holdings, Inc.'s FY25 net margin was 23.1%, against a 5-year range of −23.3% to 23.1%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 28.8%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Heritage Insurance Holdings story? The main question: yearly earnings per share moved +214.4% while the share price moved +51.1%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Heritage Insurance Holdings a stock worth studying right now? What the numbers show: Heritage Insurance Holdings, Inc.'s earnings have grown faster than its share price. Earnings per share grew +214.4% in a year while the price moved +51.1%. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.