HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $694.90 million. The enterprise value is $387.87 million.
Important Dates
The next estimated earnings date is Tuesday, August 5, 2025, after market close.
| Earnings Date | Aug 5, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 29.66 million shares outstanding. The number of shares has increased by 11.94% in one year.
| Current Share Class | 29.66M |
| Shares Outstanding | 29.66M |
| Shares Change (YoY) | +11.94% |
| Shares Change (QoQ) | +0.09% |
| Owned by Insiders (%) | 25.78% |
| Owned by Institutions (%) | 63.85% |
| Float | 21.76M |
Valuation Ratios
The trailing PE ratio is 8.83 and the forward PE ratio is 6.53.
| PE Ratio | 8.83 |
| Forward PE | 6.53 |
| PS Ratio | 0.82 |
| Forward PS | 0.79 |
| PB Ratio | 2.01 |
| P/TBV Ratio | 2.36 |
| P/FCF Ratio | 9.45 |
| P/OCF Ratio | 8.31 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 3.14, with an EV/FCF ratio of 5.28.
| EV / Earnings | 4.99 |
| EV / Sales | 0.46 |
| EV / EBITDA | 3.14 |
| EV / EBIT | 3.42 |
| EV / FCF | 5.28 |
Financial Position
The company has a current ratio of 0.76, with a Debt / Equity ratio of 0.36.
| Current Ratio | 0.76 |
| Quick Ratio | 0.30 |
| Debt / Equity | 0.36 |
| Debt / EBITDA | 0.94 |
| Debt / FCF | 1.62 |
| Interest Coverage | 10.76 |
Financial Efficiency
Return on equity (ROE) is 27.59% and return on invested capital (ROIC) is 17.00%.
| Return on Equity (ROE) | 27.59% |
| Return on Assets (ROA) | 3.26% |
| Return on Invested Capital (ROIC) | 17.00% |
| Return on Capital Employed (ROCE) | 25.94% |
| Revenue Per Employee | $1.55M |
| Profits Per Employee | $144,052 |
| Employee Count | 540 |
| Asset Turnover | 0.39 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $25.02 million in taxes.
| Income Tax | 25.02M |
| Effective Tax Rate | 24.34% |
Stock Price Statistics
The stock price has increased by +231.40% in the last 52 weeks. The beta is 1.03, so HRTG's price volatility has been similar to the market average.
| Beta (5Y) | 1.03 |
| 52-Week Price Change | +231.40% |
| 50-Day Moving Average | 22.54 |
| 200-Day Moving Average | 14.95 |
| Relative Strength Index (RSI) | 52.64 |
| Average Volume (20 Days) | 490,684 |
Short Selling Information
The latest short interest is 1.85 million, so 6.25% of the outstanding shares have been sold short.
| Short Interest | 1.85M |
| Short Previous Month | 1.32M |
| Short % of Shares Out | 6.25% |
| Short % of Float | 8.52% |
| Short Ratio (days to cover) | 3.65 |
Income Statement
In the last 12 months, HRTG had revenue of $837.20 million and earned $77.79 million in profits. Earnings per share was $2.53.
| Revenue | 837.20M |
| Gross Profit | 202.71M |
| Operating Income | 113.34M |
| Pretax Income | 65.88M |
| Net Income | 77.79M |
| EBITDA | 123.55M |
| EBIT | 113.34M |
| Earnings Per Share (EPS) | $2.53 |
Full Income StatementBalance Sheet
The company has $425.91 million in cash and $118.88 million in debt, giving a net cash position of $307.02 million or $10.35 per share.
| Cash & Cash Equivalents | 425.91M |
| Total Debt | 118.88M |
| Net Cash | 307.02M |
| Net Cash Per Share | $10.35 |
| Equity (Book Value) | 329.00M |
| Book Value Per Share | 11.09 |
| Working Capital | -432.85M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $83.62 million and capital expenditures -$10.10 million, giving a free cash flow of $73.53 million.
| Operating Cash Flow | 83.62M |
| Capital Expenditures | -10.10M |
| Free Cash Flow | 73.53M |
| FCF Per Share | $2.48 |
Full Cash Flow StatementMargins
Gross margin is 24.21%, with operating and profit margins of 13.54% and 9.29%.
| Gross Margin | 24.21% |
| Operating Margin | 13.54% |
| Pretax Margin | 12.28% |
| Profit Margin | 9.29% |
| EBITDA Margin | 14.76% |
| EBIT Margin | 13.54% |
| FCF Margin | 8.78% |
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 | -11.94% |
| Shareholder Yield | -11.94% |
| Earnings Yield | 11.19% |
| FCF Yield | 10.58% |
Dividend DetailsAnalyst Forecast
The average price target for HRTG is $29.00, which is 23.77% higher than the current price. The consensus rating is "Buy".
| Price Target | $29.00 |
| Price Target Difference | 23.77% |
| 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 | 7 |
