Heritage Insurance Holdings Inc is a regional property and casualty insurance company that offers a variety of personal and commercial insurance products. Through its subsidiaries, Heritage Property & Casualty Insurance, Narragansett Bay Insurance, and Zephyr Insurance, the company issues personal residential property insurance in various states in the United States. It also offers commercial residential insurance predominantly for its Florida properties. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claims processing internally.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	3.53
Equity-to-Asset	0.12
Debt-to-Equity	0.52
Debt-to-EBITDA	1.35
Interest Coverage	8.65
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-3.14	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	9.7
	3-Year EBITDA Growth Rate	61.3
	3-Year EPS without NRI Growth Rate	74.6
	3-Year FCF Growth Rate	-27.5
	3-Year Book Growth Rate	-23
	Future 3-5Y EPS without NRI Growth Rate	15.52
	Future 3-5Y Total Revenue Growth Rate	8.03

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	55.03
	9-Day RSI	56.14
	14-Day RSI	55.63
	6-1 Month Momentum %	49.33

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-2.9
	Shareholder Yield %	2.29

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	9.1
	FCF Margin %	30.01
	ROE %	31.63
	ROA %	3.1
	ROIC %	5.08
	Years of Profitability over Past 10-Year	7

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	4.68
	Forward PE Ratio	5.92
	PE Ratio without NRI	4.68
	Shiller PE Ratio	38.38
	Price-to-Owner-Earnings	1.51
	PS Ratio	0.44
	PB Ratio	1.29
	Price-to-Tangible-Book	1.47
	Price-to-Free-Cash-Flow	1.44
	Price-to-Operating-Cash-Flow	1.4
	EV-to-EBIT	-0.2
	EV-to-EBITDA	-0.17
	EV-to-Revenue	-0.03
	EV-to-FCF	0.02
	Price-to-Projected-FCF	0.3
	Price-to-Median-PS-Value	0.57
	Price-to-Graham-Number	0.55
	Earnings Yield (Greenblatt) %	-497.12
	FCF Yield %	62.8

Financials (Next Earnings Date:2025-03-11 Est.)

Annual Quarterly TTM

STU:11H's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Heritage Insurance Holdings Inc Operating Data

Annual Quarterly

STU:11H's Complete Operating Data

No operating data available for Heritage Insurance Holdings Inc.

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Heritage Insurance Holdings Inc Executives

Details

GF Value: €5.61

STU:11H

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with 11H. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	727.439
	EPS (TTM) (€)	2.297
	Beta	0
	Volatility %	0
	14-Day RSI	55.63
	14-Day ATR (€)	0.303616
	20-Day SMA (€)	11.5
	12-1 Month Momentum %	0
	52-Week Range (€)	5.7 - 14.9
	Shares Outstanding (Mil)	30.68

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	7
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Heritage Insurance Holdings Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Heritage Insurance Holdings Inc Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

Heritage Insurance Holdings Inc Frequently Asked Questions

What is Heritage Insurance Holdings Inc(STU:11H)'s stock price today?

The current price of STU:11H is €11.70. The 52 week high of STU:11H is €14.90 and 52 week low is €5.70.

When is next earnings date of Heritage Insurance Holdings Inc(STU:11H)?

The next earnings date of Heritage Insurance Holdings Inc(STU:11H) is 2025-03-11 Est..

Does Heritage Insurance Holdings Inc(STU:11H) pay dividends? If so, how much?

Heritage Insurance Holdings Inc(STU:11H) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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