Heritage Insurance Holdings, Inc.
HRTGFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframePart of the financial services sector, Heritage Insurance Holdings, Inc. (HRTG) is listed under Insurance - Property & Casualty. The company carries a $1.02B market cap, placing it firmly in the small-cap category. 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, Hawaii, New Jersey, and New York.
Market Cap
$1.02B
Beta
0.92
P/E (TTM)
4.91
P/E (Fwd)
6.64
EPS (TTM)
$7.01
EPS (Fwd)
$5.18
ROE
45.3%
ROA
7.4%
Cash
$587.6M
Total Debt
$91.8M
Free CF
$257.3M
52W Change
54.2%
Annual Financials
Cash vs Debt
Where HRTG stands vs its 150-day and 200-day moving averages
As of the August 26, 2026 close, HRTG finished 27.95% above its 150-day moving average ($26.73) and 26.11% above its 200-day moving average ($27.12). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is HRTG overbought or oversold?
At the August 26, 2026 close, HRTG's RSI(14) was 65.9, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $587.6M in cash comfortably exceeding the $91.8M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company generates $257.3M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 45.3%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 7.4% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $631.6M (2021) to $774.4M (2025), reflecting a 23% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Heritage Insurance Holdings, Inc.'s trajectory.