HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $963.75 million. The enterprise value is $521.77 million.
| Market Cap | 963.75M |
| Enterprise Value | 521.77M |
Important Dates
The last earnings date was Wednesday, October 28, 2026, after market close.
| Earnings Date | Oct 28, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 28.77 million shares outstanding. The number of shares has decreased by -1.63% in one year.
| Current Share Class | 28.77M |
| Shares Outstanding | 28.77M |
| Shares Change (YoY) | -1.63% |
| Shares Change (QoQ) | -0.97% |
| Owned by Insiders (%) | 20.80% |
| Owned by Institutions (%) | 70.97% |
| Float | 22.57M |
Valuation Ratios
The trailing PE ratio is 4.72 and the forward PE ratio is 6.53.
| PE Ratio | 4.72 |
| Forward PE | 6.53 |
| PS Ratio | 1.12 |
| Forward PS | 1.12 |
| PB Ratio | 1.61 |
| P/TBV Ratio | 1.68 |
| P/FCF Ratio | 3.24 |
| P/OCF Ratio | 3.16 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 1.70, with an EV/FCF ratio of 1.75.
| EV / Earnings | 2.42 |
| EV / Sales | 0.61 |
| EV / EBITDA | 1.70 |
| EV / EBIT | 1.78 |
| EV / FCF | 1.75 |
Financial Position
The company has a current ratio of 0.79, with a Debt / Equity ratio of 0.15.
| Current Ratio | 0.79 |
| Quick Ratio | 0.39 |
| Debt / Equity | 0.15 |
| Debt / EBITDA | 0.29 |
| Debt / FCF | 0.30 |
| Interest Coverage | 43.73 |
Financial Efficiency
Return on equity (ROE) is 41.68% and return on invested capital (ROIC) is 32.78%.
| Return on Equity (ROE) | 41.68% |
| Return on Assets (ROA) | 7.93% |
| Return on Invested Capital (ROIC) | 32.78% |
| Return on Capital Employed (ROCE) | 42.72% |
| Weighted Average Cost of Capital (WACC) | 9.31% |
| Revenue Per Employee | $1.59M |
| Profits Per Employee | $398,509 |
| Employee Count | 542 |
| Asset Turnover | 0.37 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $70.87 million in taxes.
| Income Tax | 70.87M |
| Effective Tax Rate | 24.71% |
Stock Price Statistics
The stock price has increased by +13.41% 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 | +13.41% |
| 50-Day Moving Average | 34.84 |
| 200-Day Moving Average | 28.92 |
| Relative Strength Index (RSI) | 40.35 |
| Average Volume (20 Days) | 235,492 |
Short Selling Information
The latest short interest is 785,998, so 2.73% of the outstanding shares have been sold short.
| Short Interest | 785,998 |
| Short Previous Month | 852,457 |
| Short % of Shares Out | 2.73% |
| Short % of Float | 3.48% |
| Short Ratio (days to cover) | 2.91 |
Income Statement
In the last 12 months, HRTG had revenue of $861.41 million and earned $215.99 million in profits. Earnings per share was $7.10.
| Revenue | 861.41M |
| Gross Profit | 388.14M |
| Operating Income | 293.58M |
| Pretax Income | 286.86M |
| Net Income | 215.99M |
| EBITDA | 306.14M |
| EBIT | 293.58M |
| Earnings Per Share (EPS) | $7.10 |
Balance Sheet
The company has $532.10 million in cash and $90.12 million in debt, with a net cash position of $441.98 million or $15.36 per share.
| Cash & Cash Equivalents | 532.10M |
| Total Debt | 90.12M |
| Net Cash | 441.98M |
| Net Cash Per Share | $15.36 |
| Equity (Book Value) | 599.14M |
| Book Value Per Share | 20.83 |
| Working Capital | -331.69M |
Cash Flow
In the last 12 months, operating cash flow was $304.66 million and capital expenditures -$5.49 million, giving a free cash flow of $297.75 million.
| Operating Cash Flow | 304.66M |
| Capital Expenditures | -5.49M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -19.33M |
| Free Cash Flow | 297.75M |
| FCF Per Share | $10.35 |
Margins
Gross margin is 45.06%, with operating and profit margins of 34.08% and 25.07%.
| Gross Margin | 45.06% |
| Operating Margin | 34.08% |
| Pretax Margin | 33.30% |
| Profit Margin | 25.07% |
| EBITDA Margin | 35.54% |
| EBIT Margin | 34.08% |
| FCF Margin | 34.84% |
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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | 1.63% |
| Shareholder Yield | 1.63% |
| Earnings Yield | 21.19% |
| FCF Yield | 30.89% |
Analyst Forecast
The average price target for HRTG is $42.50, which is 26.87% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.50 |
| Price Target Difference | 26.87% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (3Y) | 0.59% |
| EPS Growth Forecast (3Y) | -6.24% |
Fair 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 | |
| Graham Formula Value | |
| Graham Formula 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 |