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HRTGHRTGFinancial Services · Insurance - Property & Casualty

HRTG Stock Forecast: Heritage Insurance Holdings, Inc. Price Predictions for 2026-2027

Last close, 14 Oct 2026
$36
+0.22% on the day

The 3 Wall Street analysts covering Heritage Insurance Holdings, Inc. hold a median 12-month price target of $39 — +7.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 95 of 100 as at 14 Oct 2026 — among the strongest tenth. Here, the model and the Street point the same way.

Market cap
$1.1B
Ticker Nerd rank
95 / 100
Median analyst target
$39
Analysts covering
3
Revenue$214.2M+3.0% y/y
Net income$61.7M
Free cash flow$141.0M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+5.1%
1M
+3.4%
YTD
+24.0%
1Y
+30.4%
From 52W high
0.0%
From 52W low
+73.8%
$21
$36
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

HRTG stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Heritage Insurance Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 14 Oct 2026
95 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Quality
100
Momentum
97
Growth
89
Revisions
87
Issuance
85
Value
69
Size
42
Volatility
27
Accruals
18

Quality (100): The business earns solid, repeatable profits on what it owns.

Accruals (18): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

HRTG stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on HRTG, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$20$25$30$35$40Jan 26Apr 26Jul 26Oct 26HRTGHigh $42Median $39Low $36

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says3 analysts
2 Buy1 Hold0 Sell
Low $36Median $39High $42

The green dot is the last close — the median target sits +7.5% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 2 moved their price target up and 1 moved it down.

DateFirmActionRatingTarget
7 Aug 2026Truist SecuritiesMaintainsBuy$36 → $42
15 July 2026Piper SandlerMaintainsOverweight$27 → $31
15 July 2026Piper SandlerMaintainsOverweight—
11 May 2026Truist SecuritiesMaintainsBuy—
11 May 2026Truist SecuritiesMaintainsBuy$39 → $36
10 Mar 2026Truist SecuritiesMaintainsBuy—
7 Nov 2025Truist SecuritiesMaintainsBuy—
19 Sept 2025Truist SecuritiesMaintainsBuy—
8 May 2025Piper SandlerMaintainsOverweight—
8 May 2025Truist SecuritiesMaintainsBuy—
13 Mar 2025Citizens Capital MarketsReiteratesMarket Perform—
9 Aug 2024Piper SandlerUpgradeOverweight—
8 Aug 2024Truist SecuritiesMaintainsBuy—
15 Apr 2024JMP SecuritiesReiteratesMarket Perform—
1 Apr 2024Piper SandlerMaintainsNeutral—
13 Mar 2024JMP SecuritiesDowngradeMarket Perform—
13 Mar 2024Truist SecuritiesMaintainsBuy—
17 Jan 2024JMP SecuritiesMaintainsMarket Outperform—
6 Nov 2023Piper SandlerMaintainsNeutral—
6 Nov 2023Truist SecuritiesMaintainsBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. HRTG appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

HRTG vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 14 Oct 2026, Heritage Insurance Holdings, Inc. returned +30.4% against +17.5% for the S&P 500, dividends included.

HRTG vs S&P 500, last 12 monthsTotal return, rebased to 100
708090100110120130Jan 26Apr 26Jul 26Oct 26HRTGS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

HRTG analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+19.9%
Analysts raising
1
Analysts cutting
0
Fundamentals

Heritage Insurance Holdings, Inc. (HRTG) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
5.2×

Cheaper than 66% of US stocks

Price / sales
1.3×

Cheaper than 63% of US stocks

Price / book
1.8×

Cheaper than 46% of US stocks

EV / EBITDA
1.8×

Cheaper than 57% of US stocks

Growth & margins
Revenue growth (YoY)
3.0%

Higher than 34% of US stocks

Earnings growth (YoY)
28.5%

Higher than 64% of US stocks

Gross margin
—
Operating margin
39.1%

Higher than 91% of US stocks

Net margin
25.2%

Higher than 86% of US stocks

Returns & dividend
Return on equity
45.3%

Higher than 92% of US stocks

Return on assets
7.4%

Higher than 86% of US stocks

Dividend yield
0.7%

Higher than 67% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Heritage Insurance Holdings, Inc. (HRTG) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Heritage Insurance Holdings, Inc. has a market value of $1.1B and an enterprise value of $549.6M.

  • Revenue in the twelve months to 30 June 2026: $796.3M. The latest quarter grew 3.0% year on year.

  • Net income over the same four quarters: $215.3M, a 27.0% net margin.

  • Diluted earnings per share, trailing twelve months: $7.02.

  • Free cash flow in the twelve months to 30 June 2026: $297.7M.

  • Heritage Insurance Holdings, Inc. spent $26.9M on share buybacks in the twelve months to 30 June 2026.

  • Shares outstanding: 29.7M.

  • Trailing P/E: 5.2×; forward P/E: 7.0× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.66%, paying out 0% of earnings.

  • Heritage Insurance Holdings, Inc. employs 542 people — $1.5M of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 14 Oct 2026

Data provided by Twelve Data

Peers

HRTG vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelInsurance - Property & Casualty
CompanyMarket capTKN rank
HRTGHeritage Insurance Holdings, Inc.$1.1B
95
BOWBowhead Specialty Holdings, Inc.$1.1B
39
TRUPTrupanion, Inc.$1.2B
38
ASICAtegrity Specialty Insurance Company Holdings$1.3B
45
UVEUniversal Insurance Holdings, Inc.$1.3B
96
HIPOHippo Holdings, Inc.$907.5M
69
OIGOrion180 Insurance Group, Inc.$897.2M
1

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Heritage Insurance Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest HRTG news & analysis

Heritage Insurance Sees Growth Ahead as Margins Improve and Reinsurance Costs Fall

MarketBeat · 26 Sept 2026positive

Heritage Insurance outlined a controlled-growth strategy after reporting improved second-quarter profitability, citing rate adequacy, lower reinsurance costs, geographic diversification, and a strengthened balance sheet.

Why it matters — A Heritage Insurance watcher would care because improved margins, falling reinsurance costs, and a stronger balance sheet signal the company's capacity to pursue profitable growth.

Should Value Investors Buy Heritage Insurance (HRTG) Stock?

Zacks Investment Research · 25 Sept 2026neutral

Zacks Investment Research published an article examining whether Heritage Insurance (HRTG) is a worthwhile investment for value investors, noting that its analysis emphasizes the Zacks Rank system based on earnings estimates and estimate revisions, while also considering value, growth, and momentum trends.

Why it matters — HRTG watchers would be interested in how the stock measures up under Zacks' systematic ranking and value-focused screens, which could influence investor attention.

New Strong Buy Stocks for September 24th

Zacks Investment Research · 24 Sept 2026positive

Zacks Investment Research added Heritage Insurance Holdings (HRTG) to its Zacks Rank #1 (Strong Buy) List on September 24th, 2026, along with BMY, RDVT, NMR, and ECO. The news is based on Zacks' ranking methodology, not a price target or prediction.

Why it matters — For HRTG watchers, being placed on the Zacks Strong Buy List signals a favorable analyst-ranked outlook that could draw additional attention to the stock.

Best Value Stocks to Buy for September 24th

Zacks Investment Research · 24 Sept 2026positive

Zacks Investment Research reported that Heritage Insurance Holdings, Inc. (HRTG), along with WCC and MNTK, was added to the Zacks Rank #1 (Strong Buy) value stocks list on September 24th, 2026.

Why it matters — This listing highlights HRTG as a value stock recognized by Zacks' ranking system, which is notable for investors tracking the company's standing in the market.

Heritage to Present at Sidoti Small Cap Conference

PRNewsWire · 17 Sept 2026neutral

Heritage Insurance Holdings announced that CFO Kirk Lusk will participate at the Sidoti Small Cap Conference on Wednesday, September 23, 2026. The announcement was made in a company press release on September 17, 2026.

Why it matters — A HRTG watcher would care because the CFO's participation at an investor conference signals company visibility and speaking opportunities with the investment community.

FAQ

Frequently asked questions about HRTG stock

What is the HRTG stock price forecast for 2026-2027?

The 3 Wall Street analysts covering Heritage Insurance Holdings, Inc. have a median 12-month price target of $39, with estimates ranging from $36 to $42. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is HRTG stock a buy right now?

Of the 3 analysts covering Heritage Insurance Holdings, Inc., 2 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Heritage Insurance Holdings, Inc. 95 out of 100 across roughly 4,600 US stocks as at 14 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank HRTG?

As at 14 Oct 2026, Heritage Insurance Holdings, Inc. ranks 95 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Quality (100 of 100).

Will HRTG stock go up?

No one can know that. What the data says: the median 12-month target from 3 analysts implies +7.5% from the last close, and Ticker Nerd's factor model ranks Heritage Insurance Holdings, Inc. 95 out of 100 as at 14 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the HRTG stock forecast for 2030?

No analyst covering Heritage Insurance Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for HRTG are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $36 to $42 over the next 12 months.

How has HRTG stock performed over the past year?

Heritage Insurance Holdings, Inc. returned +30.4% over the 12 months to 14 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Heritage Insurance Holdings, Inc. do?

Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company that provides personal and commercial residential insurance products.

What is the latest news on HRTG?

The most recent item we track (MarketBeat, 26 Sept 2026): "Heritage Insurance Sees Growth Ahead as Margins Improve and Reinsurance Costs Fall". Heritage Insurance outlined a controlled-growth strategy after reporting improved second-quarter profitability, citing rate adequacy, lower reinsurance costs, geographic diversification, and a strengthened balance sheet.

Company

About Heritage Insurance Holdings, Inc.

Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company that provides personal and commercial residential insurance products. Through its subsidiaries, Heritage Insurance focuses on homeowners, condominium, dwelling fire, rental property, and related residential coverage, serving policyholders through a network of independent agents. The company also offers commercial residential property insurance and manages key functions across underwriting, customer service, actuarial analysis, distribution, and claims processing. Heritage Insurance Holdings, Inc. operates primarily in residential insurance markets across several U.S. states, with a strong emphasis on catastrophe-exposed regions and other coastal property segments. Headquartered in Tampa, Florida, Heritage Insurance Holdings, Inc. plays a specialized role in the insurance market by concentrating on property-focused coverage for individuals and residential property owners.

CEO Mr. Ernesto Jose Garateix CPCU · 542 employees · United States · https://www.heritagepci.com