SuperworthHeritage Insurance HRTG
- Market cap
- $1.1B
- PE
- 5.2×
- 10y median 10.1×
- Forward PE
- n/m
- not a meaningful number
- Price to sales
- 1.3×
- Revenue, 12 months
- $854.6M
- +2% on a year ago
- Net margin
- 25.2%
Heritage Insurance trades at 5.2× trailing earnings, cheaper than 82% of the last ten years. Revenue was $854.6M over the last twelve months, up 2% on a year earlier with a 25% net margin.
Charts
Financials
| Income statement | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $186.3M+13% | $187M+7% | $191.3M+8% | $203.6M+10% | $211.8M+14% | $210.3M+13% | $211.5M+11% | $208M+2% | $212.5M+0% | $215.3M+2% | $212.7M+1% | $214.2M+3% | |
| SG&A | $21.9M+23% | $16.8M+9% | $19.6M+3% | $22.8M+14% | $21.6M−2% | $21.2M+26% | $23.9M+22% | $24.4M+7% | $22.3M+4% | $22.4M+6% | $24.9M+4% | $23.8M−3% |
| −$9.4M−80% | $36.2M+143% | $22.7M+13% | $27.6M+69% | $11.7M | $31.5M−13% | $42.4M+87% | $64.9M+135% | $70.2M+497% | $89.7M+185% | $50.8M+20% | $83.8M+29% | |
| Interest expense | $2.6M+28% | $3M−2% | $2.8M−2% | $2.8M+2% | $2.8M+6% | $2.6M−14% | $2.4M−14% | $1.9M−32% | $1.9M−33% | $1.7M−33% | $1.8M−27% | $1.7M−10% |
| Pre-tax income | −$12M−76% | $33.2M+180% | $19.9M+16% | $24.9M+82% | $9M | $28.9M−13% | $40M+101% | $63M+153% | $68.3M+660% | $87.9M+204% | $49M+23% | $82.2M+30% |
| −$4.6M+320% | $2.2M | $5.6M+76% | $6M+2% | $842K | $8.7M+289% | $9.5M+69% | $15M+150% | $17.9M+2025% | $21.3M+146% | $12.6M+32% | $20.4M+37% | |
| Net income | −$7.4M−85% | $30.9M+148% | $14.2M+2% | $18.9M+143% | $8.2M | $20.3M−34% | $30.5M+114% | $48M+155% | $50.4M+519% | $66.7M+229% | $36.5M+20% | $61.7M+29% |
| −$0.28−85% | $1.15+140% | $0.47−15% | $0.61+103% | $0.27 | $0.66−43% | $0.99+111% | $1.55+154% | $1.63+504% | $2.15+226% | $1.19+20% | $2.05+32% | |
| 26.7M+1% | 27.1M+5% | 30.4M+19% | 30.7M+20% | 30.7M+15% | 30.7M+14% | 30.8M+1% | 31.1M+1% | 31M+1% | 31M+1% | 30.7M−0% | 30.1M−3% |
Revenue: Q1 FY13 and Q1 FY14: 6 months less the 3 months printed beside them.
SG&A: Q1 FY13 and Q1 FY14: 6 months less the 3 months printed beside them.
Interest expense: Q1 FY13 and Q1 FY14: 6 months less the 3 months printed beside them.
Pre-tax income: Q1 FY13 and Q1 FY14: 6 months less the 3 months printed beside them.
Income tax: Q1 FY13 and Q1 FY14: 6 months less the 3 months printed beside them.
Net income: Q1 FY14: 6 months less the 3 months printed beside them.
EPS, diluted: 4 periods, Q1 FY13 to Q4 FY18: quarter's net income to common over its shares, to the cent.
Diluted shares: Q1 FY13: share-days: the 6-month average less the second quarter's. Q4 FY13: the earlier year to date counted no dilution: the quarter's basic count plus the later year to date's dilution. 9 periods, Q4 FY14 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. 3 periods, Q4 FY16 to Q4 FY21: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Insurance - Property & Casualty nearest Heritage Insurance's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| HRTGHeritage Insurance | $1.1B | 5.2× | 10.1× | 1.3× | +2% | 25.2% | |
| BOWBowhead Specialty | $1.1B | 18.4× | 18.1× | 1.8× | +25% | 10.1% | |
| ASICAtegrity Specialty Insurance | $1.2B | 11.3× | 12.7× | 2.2× | +37% | 20.7% | |
| HIPOHippo | $1B | 8.2× | 7.7× | 2.0× | +19% | 23.9% | |
| EIGEmployers | $935.4M | 76.6× | 11.2× | 1.1× | −6% | 0.9% | |
| UVEUniversal Insurance | $1.4B | 6.4× | 9.5× | 0.8× | +4% | 13.5% | |
| ROOTRoot | $819.3M | 15.0× | 19.3× | 0.5× | +15% | 3.9% | |
| UFCSUnited Fire | $1.5B | 10.7× | 18.2× | 1.0× | +11% | 9.6% | |
| SAFTSafety Insurance | $1.5B | 22.4× | 16.8× | 1.2× | +7% | 5.3% | |
| DGICADonegal | $698.6M | 9.8× | 12.7× | 0.7× | −3% | 7.4% | |
| HMNHorace Mann Educators | $1.9B | 10.8× | 14.1× | 1.1× | +6% | 10.2% | |
| Peer median | $1.1B | 11.0× | 13.4× | 1.1× | +9% | 9.8% |
More on Heritage Insurance
Each number over time
Where it ranks
- #9of 490Financial stocks with the lowest PE ratio
- #3of 45Property and casualty insurers with the lowest PE ratio
- #6of 39Property and casualty insurers with the fastest earnings growth
- #8of 45Property and casualty insurers with the highest profit margins
Its groups
About
- Industry
- Insurance - Property & Casualty
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .