Heritage Insurance Holdings, Inc.
HRTGFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Oct 24, 2026
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Daily timeframeHeritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. Valued at $1.09B, HRTG is a small-cap name in its sector. 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
$1.09B
Beta
0.92
P/E (TTM)
5.25
P/E (Fwd)
7.24
EPS (TTM)
$7.01
EPS (Fwd)
$5.09
ROE
45.3%
ROA
7.4%
Cash
$587.6M
Total Debt
$91.8M
Free CF
$257.3M
52W Change
50.8%
Annual Financials
Cash vs Debt
Where HRTG stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, HRTG finished 24.84% above its 150-day moving average ($28.78) and 27.55% above its 200-day moving average ($28.17). 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 October 20, 2026 close, HRTG's RSI(14) was 71.8, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Heritage Insurance Holdings, Inc. holds $587.6M in cash against $91.8M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Free cash flow comes in at $257.3M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 45.3% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Heritage Insurance Holdings, Inc. and its sector.