HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $791.88 million. The enterprise value is $333.11 million.
Important Dates
The last earnings date was Wednesday, November 5, 2025, after market close.
| Earnings Date | Nov 5, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 29.22 million shares outstanding. The number of shares has increased by 3.88% in one year.
| Current Share Class | 29.22M |
| Shares Outstanding | 29.22M |
| Shares Change (YoY) | +3.88% |
| Shares Change (QoQ) | -0.13% |
| Owned by Insiders (%) | 23.94% |
| Owned by Institutions (%) | 67.63% |
| Float | 22.01M |
Valuation Ratios
The trailing PE ratio is 5.61 and the forward PE ratio is 6.72.
| PE Ratio | 5.61 |
| Forward PE | 6.72 |
| PS Ratio | 0.99 |
| Forward PS | 0.88 |
| PB Ratio | 1.81 |
| P/TBV Ratio | 1.95 |
| P/FCF Ratio | 7.57 |
| P/OCF Ratio | 7.05 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 1.51, with an EV/FCF ratio of 3.19.
| EV / Earnings | 2.23 |
| EV / Sales | 0.40 |
| EV / EBITDA | 1.51 |
| EV / EBIT | 1.59 |
| EV / FCF | 3.19 |
Financial Position
The company has a current ratio of 0.81, with a Debt / Equity ratio of 0.23.
| Current Ratio | 0.81 |
| Quick Ratio | 0.36 |
| Debt / Equity | 0.23 |
| Debt / EBITDA | 0.45 |
| Debt / FCF | 0.97 |
| Interest Coverage | 23.95 |
Financial Efficiency
Return on equity (ROE) is 41.64% and return on invested capital (ROIC) is 27.14%.
| Return on Equity (ROE) | 41.64% |
| Return on Assets (ROA) | 5.51% |
| Return on Invested Capital (ROIC) | 27.14% |
| Return on Capital Employed (ROCE) | 39.04% |
| Revenue Per Employee | $1.56M |
| Profits Per Employee | $276,319 |
| Employee Count | 540 |
| Asset Turnover | 0.36 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $51.05 million in taxes.
| Income Tax | 51.05M |
| Effective Tax Rate | 25.49% |
Stock Price Statistics
The stock price has increased by +122.68% in the last 52 weeks. The beta is 0.98, so HRTG's price volatility has been similar to the market average.
| Beta (5Y) | 0.98 |
| 52-Week Price Change | +122.68% |
| 50-Day Moving Average | 25.71 |
| 200-Day Moving Average | 21.03 |
| Relative Strength Index (RSI) | 50.77 |
| Average Volume (20 Days) | 478,648 |
Short Selling Information
The latest short interest is 1.27 million, so 4.35% of the outstanding shares have been sold short.
| Short Interest | 1.27M |
| Short Previous Month | 1.64M |
| Short % of Shares Out | 4.35% |
| Short % of Float | 5.77% |
| Short Ratio (days to cover) | 2.75 |
Income Statement
In the last 12 months, HRTG had revenue of $842.28 million and earned $149.21 million in profits. Earnings per share was $4.83.
| Revenue | 842.28M |
| Gross Profit | 300.75M |
| Operating Income | 208.99M |
| Pretax Income | 200.26M |
| Net Income | 149.21M |
| EBITDA | 220.97M |
| EBIT | 208.99M |
| Earnings Per Share (EPS) | $4.83 |
Full Income StatementBalance Sheet
The company has $560.44 million in cash and $101.66 million in debt, giving a net cash position of $458.77 million or $15.70 per share.
| Cash & Cash Equivalents | 560.44M |
| Total Debt | 101.66M |
| Net Cash | 458.77M |
| Net Cash Per Share | $15.70 |
| Equity (Book Value) | 437.25M |
| Book Value Per Share | 14.96 |
| Working Capital | -353.39M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $112.35 million and capital expenditures -$7.78 million, giving a free cash flow of $104.58 million.
| Operating Cash Flow | 112.35M |
| Capital Expenditures | -7.78M |
| Free Cash Flow | 104.58M |
| FCF Per Share | $3.58 |
Full Cash Flow StatementMargins
Gross margin is 35.71%, with operating and profit margins of 24.81% and 17.72%.
| Gross Margin | 35.71% |
| Operating Margin | 24.81% |
| Pretax Margin | 23.78% |
| Profit Margin | 17.72% |
| EBITDA Margin | 26.23% |
| EBIT Margin | 24.81% |
| FCF Margin | 12.42% |
Dividends & Yields
HRTG does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -3.88% |
| Shareholder Yield | -3.88% |
| Earnings Yield | 18.84% |
| FCF Yield | 13.21% |
Dividend DetailsAnalyst Forecast
The average price target for HRTG is $32.50, which is 19.93% higher than the current price. The consensus rating is "Buy".
| Price Target | $32.50 |
| Price Target Difference | 19.93% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 6 |
