Heritage Insurance Hldgs Net Income
| HRTG Stock | USD 24.82 0.48 1.90% |
As of the 14th of February 2026, Heritage Insurance retains the Risk Adjusted Performance of (0.06), standard deviation of 2.55, and Market Risk Adjusted Performance of (0.37). Heritage Insurance technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices. Please check out Heritage Insurance Hldgs market risk adjusted performance, information ratio, as well as the relationship between the Information Ratio and skewness to decide if Heritage Insurance is priced fairly, providing market reflects its last-minute price of 24.82 per share. Given that Heritage Insurance Hldgs has information ratio of (0.11), we strongly advise you to confirm Heritage Insurance Hldgs's regular market performance to make sure the company can sustain itself at a future point.
Heritage Insurance Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 0.3838 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 55.4 M | 58.2 M | |
| Net Loss | -138.9 M | -132 M | |
| Net Income From Continuing Ops | 55.4 M | 58.2 M | |
| Net Income Per Share | 2.31 | 2.43 | |
| Net Income Per E B T | 0.67 | 0.80 |
Heritage | Net Income | Build AI portfolio with Heritage Stock |
The Net Income trend for Heritage Insurance Hldgs offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Heritage Insurance is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Heritage Insurance's Net Income Growth Pattern
Below is the plot of the Net Income of Heritage Insurance Hldgs over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Heritage Insurance Hldgs financial statement analysis. It represents the amount of money remaining after all of Heritage Insurance Hldgs operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Heritage Insurance's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Heritage Insurance's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 61.54 M | 10 Years Trend |
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Net Income |
| Timeline |
Heritage Net Income Regression Statistics
| Arithmetic Mean | 14,504,850 | |
| Geometric Mean | 25,257,861 | |
| Coefficient Of Variation | 396.62 | |
| Mean Deviation | 39,860,583 | |
| Median | 28,636,000 | |
| Standard Deviation | 57,529,268 | |
| Sample Variance | 3309.6T | |
| Range | 246.9M | |
| R-Value | 0.01 | |
| Mean Square Error | 3529.6T | |
| R-Squared | 0.0002 | |
| Significance | 0.96 | |
| Slope | 160,639 | |
| Total Sum of Squares | 52953.9T |
Heritage Net Income History
Other Fundumenentals of Heritage Insurance Hldgs
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Heritage Insurance Net Income component correlations
Heritage Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Heritage Insurance is extremely important. It helps to project a fair market value of Heritage Stock properly, considering its historical fundamentals such as Net Income. Since Heritage Insurance's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Heritage Insurance's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Heritage Insurance's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Property & Casualty Insurance industry sustain growth momentum? Does Heritage have expansion opportunities? Factors like these will boost the valuation of Heritage Insurance. Market participants price Heritage higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Heritage Insurance demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 5.13 | Earnings Share 4.83 | Revenue Per Share | Quarterly Revenue Growth 0.003 | Return On Assets |
The market value of Heritage Insurance Hldgs is measured differently than its book value, which is the value of Heritage that is recorded on the company's balance sheet. Investors also form their own opinion of Heritage Insurance's value that differs from its market value or its book value, called intrinsic value, which is Heritage Insurance's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Heritage Insurance's market value can be influenced by many factors that don't directly affect Heritage Insurance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Heritage Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heritage Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Heritage Insurance's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Heritage Insurance 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Heritage Insurance's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Heritage Insurance.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in Heritage Insurance on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding Heritage Insurance Hldgs or generate 0.0% return on investment in Heritage Insurance over 90 days. Heritage Insurance is related to or competes with Universal Insurance, United Fire, Ategrity Specialty, Bowhead Specialty, Donegal Group, American Coastal, and Safety Insurance. Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance prod... More
Heritage Insurance Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Heritage Insurance's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Heritage Insurance Hldgs upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.11) | |||
| Maximum Drawdown | 11.65 | |||
| Value At Risk | (5.50) | |||
| Potential Upside | 3.32 |
Heritage Insurance Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Heritage Insurance's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Heritage Insurance's standard deviation. In reality, there are many statistical measures that can use Heritage Insurance historical prices to predict the future Heritage Insurance's volatility.| Risk Adjusted Performance | (0.06) | |||
| Jensen Alpha | (0.24) | |||
| Total Risk Alpha | (0.40) | |||
| Treynor Ratio | (0.38) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Heritage Insurance's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Heritage Insurance February 14, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (0.37) | |||
| Mean Deviation | 2.0 | |||
| Coefficient Of Variation | (1,288) | |||
| Standard Deviation | 2.55 | |||
| Variance | 6.52 | |||
| Information Ratio | (0.11) | |||
| Jensen Alpha | (0.24) | |||
| Total Risk Alpha | (0.40) | |||
| Treynor Ratio | (0.38) | |||
| Maximum Drawdown | 11.65 | |||
| Value At Risk | (5.50) | |||
| Potential Upside | 3.32 | |||
| Skewness | (0.68) | |||
| Kurtosis | 0.4955 |
Heritage Insurance Hldgs Backtested Returns
Heritage Insurance Hldgs holds Efficiency (Sharpe) Ratio of -0.11, which attests that the entity had a -0.11 % return per unit of risk over the last 3 months. Heritage Insurance Hldgs exposes twenty-two different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check out Heritage Insurance's Standard Deviation of 2.55, market risk adjusted performance of (0.37), and Risk Adjusted Performance of (0.06) to validate the risk estimate we provide. The company retains a Market Volatility (i.e., Beta) of 0.54, which attests to possible diversification benefits within a given portfolio. As returns on the market increase, Heritage Insurance's returns are expected to increase less than the market. However, during the bear market, the loss of holding Heritage Insurance is expected to be smaller as well. At this point, Heritage Insurance Hldgs has a negative expected return of -0.29%. Please make sure to check out Heritage Insurance's total risk alpha, kurtosis, as well as the relationship between the Kurtosis and day typical price , to decide if Heritage Insurance Hldgs performance from the past will be repeated at some point in the near future.
Auto-correlation | 0.14 |
Insignificant predictability
Heritage Insurance Hldgs has insignificant predictability. Overlapping area represents the amount of predictability between Heritage Insurance time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Heritage Insurance Hldgs price movement. The serial correlation of 0.14 indicates that less than 14.0% of current Heritage Insurance price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.14 | |
| Spearman Rank Test | -0.07 | |
| Residual Average | 0.0 | |
| Price Variance | 0.72 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Heritage Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Heritage Insurance Hldgs reported net income of 61.54 M. This is 95.18% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 89.22% higher than that of the company.
Heritage Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Heritage Insurance's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Heritage Insurance could also be used in its relative valuation, which is a method of valuing Heritage Insurance by comparing valuation metrics of similar companies.Heritage Insurance is currently under evaluation in net income category among its peers.
Heritage Insurance Current Valuation Drivers
We derive many important indicators used in calculating different scores of Heritage Insurance from analyzing Heritage Insurance's financial statements. These drivers represent accounts that assess Heritage Insurance's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Heritage Insurance's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 163.5M | 47.4M | 170.8M | 370.2M | 425.7M | 388.5M | |
| Enterprise Value | (43.9M) | (73.3M) | (144.7M) | 58.9M | 67.7M | 64.3M |
Heritage Insurance ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Heritage Insurance's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Heritage Insurance's managers, analysts, and investors.Environmental | Governance | Social |
Heritage Insurance Institutional Holders
Institutional Holdings refers to the ownership stake in Heritage Insurance that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Heritage Insurance's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Heritage Insurance's value.| Shares | Amvescap Plc. | 2025-06-30 | 412.2 K | Aqr Capital Management Llc | 2025-06-30 | 385.5 K | Prudential Financial Inc | 2025-06-30 | 383.6 K | Renaissance Technologies Corp | 2025-06-30 | 373 K | Pacific Ridge Capital Partners, Llc | 2025-06-30 | 360.7 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 346.1 K | Bridgeway Capital Management, Llc | 2025-06-30 | 277.7 K | Ubs Group Ag | 2025-06-30 | 242.7 K | Ameriprise Financial Inc | 2025-06-30 | 239.6 K | Blackrock Inc | 2025-06-30 | 1.9 M | Vanguard Group Inc | 2025-06-30 | 1.5 M |
Heritage Fundamentals
| Return On Equity | 0.42 | ||||
| Return On Asset | 0.0551 | ||||
| Profit Margin | 0.18 % | ||||
| Operating Margin | 0.33 % | ||||
| Current Valuation | 323.29 M | ||||
| Shares Outstanding | 30.91 M | ||||
| Shares Owned By Insiders | 20.50 % | ||||
| Shares Owned By Institutions | 65.87 % | ||||
| Number Of Shares Shorted | 1.24 M | ||||
| Price To Earning | 5.09 X | ||||
| Price To Book | 1.79 X | ||||
| Price To Sales | 0.93 X | ||||
| Revenue | 816.99 M | ||||
| Gross Profit | 300.75 M | ||||
| EBITDA | 103.16 M | ||||
| Net Income | 61.54 M | ||||
| Cash And Equivalents | 290.93 M | ||||
| Cash Per Share | 11.26 X | ||||
| Total Debt | 141.34 M | ||||
| Debt To Equity | 0.84 % | ||||
| Current Ratio | 0.68 X | ||||
| Book Value Per Share | 14.96 X | ||||
| Cash Flow From Operations | 87.09 M | ||||
| Short Ratio | 4.14 X | ||||
| Earnings Per Share | 4.83 X | ||||
| Target Price | 35.5 | ||||
| Number Of Employees | 540 | ||||
| Beta | 0.96 | ||||
| Market Capitalization | 784.74 M | ||||
| Total Asset | 2.47 B | ||||
| Retained Earnings | 87.66 M | ||||
| Five Year Return | 2.79 % | ||||
| Net Asset | 2.47 B |
About Heritage Insurance Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Heritage Insurance Hldgs's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Heritage Insurance using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Heritage Insurance Hldgs based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Can Property & Casualty Insurance industry sustain growth momentum? Does Heritage have expansion opportunities? Factors like these will boost the valuation of Heritage Insurance. Market participants price Heritage higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Heritage Insurance demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 5.13 | Earnings Share 4.83 | Revenue Per Share | Quarterly Revenue Growth 0.003 | Return On Assets |
The market value of Heritage Insurance Hldgs is measured differently than its book value, which is the value of Heritage that is recorded on the company's balance sheet. Investors also form their own opinion of Heritage Insurance's value that differs from its market value or its book value, called intrinsic value, which is Heritage Insurance's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Heritage Insurance's market value can be influenced by many factors that don't directly affect Heritage Insurance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Heritage Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heritage Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Heritage Insurance's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.