HRTGFinancial Services · Insurance - Property & CasualtyThe 4 Wall Street analysts covering Heritage Insurance Holdings, Inc. hold a median 12-month price target of $40 — +12.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 95 of 100 as at 3 Nov 2026 — among the strongest tenth. Here, the model and the Street point the same way.
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.
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): The business earns solid, repeatable profits on what it owns.
Volatility (25): The share price moves around a lot.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on HRTG, reported as data — targets and ratings, the market's view beside the model's.
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
The green dot is the last close — the median target sits +12.0% from it.
Of the 20 most recent actions, 3 moved their price target up and 1 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 30 Oct 2026 | Truist Securities | Maintains | Buy | $42 → $44 |
| 16 Oct 2026 | Raymond James | Initiates | Market Perform | — |
| 16 Oct 2026 | Raymond James | Initiates | Market Perform | — |
| 7 Aug 2026 | Truist Securities | Maintains | Buy | $36 → $42 |
| 7 Aug 2026 | Truist Securities | Maintains | Buy | — |
| 15 July 2026 | Piper Sandler | Maintains | Overweight | $27 → $31 |
| 15 July 2026 | Piper Sandler | Maintains | Overweight | — |
| 11 May 2026 | Truist Securities | Maintains | Buy | — |
| 11 May 2026 | Truist Securities | Maintains | Buy | $39 → $36 |
| 10 Mar 2026 | Truist Securities | Maintains | Buy | — |
| 7 Nov 2025 | Truist Securities | Maintains | Buy | — |
| 19 Sept 2025 | Truist Securities | Maintains | Buy | — |
| 8 May 2025 | Piper Sandler | Maintains | Overweight | — |
| 8 May 2025 | Truist Securities | Maintains | Buy | — |
| 13 Mar 2025 | Citizens Capital Markets | Reiterates | Market Perform | — |
| 9 Aug 2024 | Piper Sandler | Upgrade | Overweight | — |
| 8 Aug 2024 | Truist Securities | Maintains | Buy | — |
| 15 Apr 2024 | JMP Securities | Reiterates | Market Perform | — |
| 1 Apr 2024 | Piper Sandler | Maintains | Neutral | — |
| 13 Mar 2024 | JMP Securities | Downgrade | Market Perform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
HRTG appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 4 Nov 2026, Heritage Insurance Holdings, Inc. returned +49.4% against +14.8% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 66% of US stocks
Cheaper than 64% of US stocks
Cheaper than 48% of US stocks
Cheaper than 57% of US stocks
Higher than 35% of US stocks
Higher than 38% of US stocks
Higher than 88% of US stocks
Higher than 86% of US stocks
Higher than 92% of US stocks
Higher than 88% of US stocks
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.
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 $585.3M.
Revenue in the twelve months to 30 June 2026: $796.3M. The latest quarter grew 3.2% 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.
Trailing P/E: 5.0×; forward P/E: 6.8× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.67%, paying out 0% of earnings.
Heritage Insurance Holdings, Inc. employs 542 people — $1.5M of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| HRTGHeritage Insurance Holdings, Inc. | $1.1B | 95 |
| BOWBowhead Specialty Holdings, Inc. | $1.1B | 31 |
| ASICAtegrity Specialty Insurance Company Holdings | $1.2B | 36 |
| OIGOrion180 Insurance Group, Inc. | $962.6M | 0 |
| HIPOHippo Holdings, Inc. | $924.4M | 43 |
| STCStewart Information Services Corp. | $1.3B | 20 |
| TRUPTrupanion, Inc. | $1.3B | 37 |
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 →
Heritage Insurance said it is pursuing geographic expansion and additional reinsurance savings while facing pricing pressure in Florida. The company also sees a potential recovery in personal lines in 2027.
Why it matters — The update highlights HRTG’s growth and cost-saving initiatives alongside ongoing Florida pricing challenges and its outlook for personal lines.
Zacks reports that Heritage Insurance posted strong Q3 results, with underwriting discipline and geographic expansion supporting growth. It also notes concerns about premium valuation and earnings.
Why it matters — The item highlights both reported business strengths and valuation and earnings concerns relevant to HRTG watchers.
Zacks Investment Research says it focuses on its Zacks Rank system, which uses earnings estimates and estimate revisions, while also monitoring value, growth, and momentum trends. The excerpt does not provide a specific assessment of Heritage Insurance.
Why it matters — HRTG watchers may note the article's stated stock-screening approach, but the excerpt offers no company-specific conclusion.
Heritage Insurance reported third-quarter net income of $51.1 million, or $1.72 per diluted share. The company absorbed higher catastrophe and weather losses while benefiting from lower reinsurance costs, favorable reserve development and investment-income growth.
Why it matters — The results show how catastrophe losses and several cost, reserve and investment factors affected HRTG’s quarterly earnings.
Heritage Insurance Holdings held its Q3 2026 earnings call on October 29, 2026, with CEO Ernesto Garateix and CFO Kirk Lusk listed as company participants. The excerpt includes the call’s opening and participant list but no earnings results or management commentary.
Why it matters — The call is a source of company updates for HRTG watchers, though this excerpt provides no substantive operating or financial details.
The 4 Wall Street analysts covering Heritage Insurance Holdings, Inc. have a median 12-month price target of $40, with estimates ranging from $36 to $44. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 4 analysts covering Heritage Insurance Holdings, Inc., 2 rate it a Buy, 2 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 3 Nov 2026. None of this is personal advice — it does not consider your circumstances.
As at 3 Nov 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).
No one can know that. What the data says: the median 12-month target from 4 analysts implies +12.0% from the last close, and Ticker Nerd's factor model ranks Heritage Insurance Holdings, Inc. 95 out of 100 as at 3 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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 $44 over the next 12 months.
Heritage Insurance Holdings, Inc. returned +49.4% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.
Heritage Insurance Holdings, Inc. is a property and casualty insurance holding company that provides personal and commercial residential insurance products.
The most recent item we track (Zacks Investment Research, 4 Nov 2026): "HRTG Q3 Earnings Call Highlights Pricing Pressure and Growth Plans". Heritage Insurance said it is pursuing geographic expansion and additional reinsurance savings while facing pricing pressure in Florida. The company also sees a potential recovery in personal lines in 2027.
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
