Heritage Insurance Holdings stock analysis
Heritage Insurance Holdings (11H) Stock Price & Analysis
11H Stock Chart & Stats
- Day’s Range
- EUR 29.18 - EUR 30.12
- 52-Week Range
- EUR 17.68 - EUR 33.22
- Previous Close
- EUR 29.88
- Volume
- N/A
- Average Volume (3M)
- 5
- Market Cap
- EUR 888.80M
- Enterprise Value
- EUR 1.08B
- Total Cash (Recent Filing)
- EUR 1.39B
- Total Debt (Recent Filing)
- EUR 90.12M
- Price to Earnings (P/E)
- 4.7
- Beta
- 0.43
- Next Earnings
- Mar 15, 2027 (Est.)
- EPS Estimate
- 1.02
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Improved Underwriting
Improved underlying loss performance indicates that rate setting, risk selection, claims management and Florida’s legal environment are supporting underwriting quality. If sustained, these improvements can help offset catastrophe volatility and preserve margins across future policy periods.
Geographic Diversification
A broader geographic and product footprint reduces reliance on any single market and gives management flexibility to direct capital toward attractive risk-adjusted opportunities. This diversification can make earnings more durable when conditions in Florida become less favorable.
Reinsurance And Capital Strength
The reinsurance renewal materially lowers ceded premium costs while maintaining substantial protection against large losses, supporting net underwriting economics. Combined with improved capital and lower debt, this gives Heritage greater resilience and flexibility to manage catastrophe exposure.
Bears Say
Catastrophe Exposure
Heritage remains exposed to weather and catastrophe events that can quickly raise claims and compress underwriting margins. The recent increase demonstrates that even disciplined operations may produce volatile results when severe events or elevated noncatastrophe weather losses affect the portfolio.
Florida Pricing Pressure
Continued pricing declines can reduce premium growth and weaken future underwriting margins, even if the existing book remains profitable. More than 20 new entrants also increase competitive pressure, making it harder to retain policy economics without disciplined risk selection.
Volatile Cash Generation
Although current cash generation is solid, the sharp year-over-year decline and prior negative periods show that cash flow is not consistently aligned with reported earnings. This volatility can limit internal funding flexibility and complicate capital allocation through the insurance cycle.
11H FAQ
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Heritage Insurance Holdings Stock Smart Score
Company Description
Heritage Insurance Holdings
Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The company also holds a licensing credential in the state of Pennsylvania. Beyond its core insurance offerings, Heritage Insurance Holdings, Inc. also delivers various supplementary services, such as restoration, emergency and recovery operations, property management, and reinsurance services. The distribution of its personal line policies is facilitated through diverse channels, including a network of retail independent agents, wholesale agents, and a dedicated partnership with a direct agency. Furthermore, its market reach indirectly extends to approximately 1,500 retail locations via eight distinct wholesale agency relationships. Both personal and commercial insurance policies are also offered through a network comprising around 70 independent agencies. Established in 2012, Heritage Insurance Holdings, Inc. is headquartered in Tampa, Florida.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Ernesto Jose Garateix
- Employees
- 542
- Website
- investors.heritagepci.com
- Address
- 1401 North Westshore Boulevard, Tampa, FL, 33607, US
Heritage Insurance Holdings (11H) Earnings & Revenues
11H Earnings Call
Earnings Call SentimentPositive
The call was broadly positive. Heritage reported higher earnings, strong nine-month growth, substantial book value appreciation, favorable reserve development, reinsurance savings, improved expense performance, and a stronger capital position despite elevated catastrophe losses and pricing pressure in Florida. The main challenges were lower Florida commercial premiums, continued personal-lines pricing declines, higher weather losses, and higher general and administrative expenses.
View all DE:11H earnings summaries11H Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 3 | 10 |
| Technical Analysis | 5 | 3 | 2 |
| Moving Averages | 4 | 0 | 8 |
