HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $639.58 million. The enterprise value is $221.56 million.
Important Dates
The last earnings date was Thursday, May 7, 2026, after market close.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 29.50 million shares outstanding. The number of shares has increased by 0.69% in one year.
| Current Share Class | 29.50M |
| Shares Outstanding | 29.50M |
| Shares Change (YoY) | +0.69% |
| Shares Change (QoQ) | -0.70% |
| Owned by Insiders (%) | 22.47% |
| Owned by Institutions (%) | 68.82% |
| Float | 22.65M |
Valuation Ratios
The trailing PE ratio is 3.33 and the forward PE ratio is 5.03.
| PE Ratio | 3.33 |
| Forward PE | 5.03 |
| PS Ratio | 0.75 |
| Forward PS | 0.70 |
| PB Ratio | 1.23 |
| P/TBV Ratio | 1.30 |
| P/FCF Ratio | 3.22 |
| P/OCF Ratio | 3.10 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 0.77, with an EV/FCF ratio of 1.12.
| EV / Earnings | 1.10 |
| EV / Sales | 0.26 |
| EV / EBITDA | 0.77 |
| EV / EBIT | 0.80 |
| EV / FCF | 1.12 |
Financial Position
The company has a current ratio of 0.77, with a Debt / Equity ratio of 0.19.
| Current Ratio | 0.77 |
| Quick Ratio | 0.43 |
| Debt / Equity | 0.19 |
| Debt / EBITDA | 0.34 |
| Debt / FCF | 0.50 |
| Interest Coverage | 38.06 |
Financial Efficiency
Return on equity (ROE) is 47.47% and return on invested capital (ROIC) is 33.82%.
| Return on Equity (ROE) | 47.47% |
| Return on Assets (ROA) | 8.13% |
| Return on Invested Capital (ROIC) | 33.82% |
| Return on Capital Employed (ROCE) | 44.92% |
| Weighted Average Cost of Capital (WACC) | 9.34% |
| Revenue Per Employee | $1.57M |
| Profits Per Employee | $371,961 |
| Employee Count | 542 |
| Asset Turnover | 0.40 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $66.69 million in taxes.
| Income Tax | 66.69M |
| Effective Tax Rate | 24.86% |
Stock Price Statistics
The stock price has decreased by -6.91% 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 | -6.91% |
| 50-Day Moving Average | 25.95 |
| 200-Day Moving Average | 26.04 |
| Relative Strength Index (RSI) | 32.52 |
| Average Volume (20 Days) | 540,402 |
Short Selling Information
The latest short interest is 1.11 million, so 3.75% of the outstanding shares have been sold short.
| Short Interest | 1.11M |
| Short Previous Month | 1.03M |
| Short % of Shares Out | 3.75% |
| Short % of Float | 4.89% |
| Short Ratio (days to cover) | 2.46 |
Income Statement
In the last 12 months, HRTG had revenue of $848.47 million and earned $201.60 million in profits. Earnings per share was $6.52.
| Revenue | 848.47M |
| Gross Profit | 369.55M |
| Operating Income | 275.53M |
| Pretax Income | 268.29M |
| Net Income | 201.60M |
| EBITDA | 288.51M |
| EBIT | 275.53M |
| Earnings Per Share (EPS) | $6.52 |
Full Income StatementBalance Sheet
The company has $517.07 million in cash and $99.05 million in debt, with a net cash position of $418.02 million or $14.17 per share.
| Cash & Cash Equivalents | 517.07M |
| Total Debt | 99.05M |
| Net Cash | 418.02M |
| Net Cash Per Share | $14.17 |
| Equity (Book Value) | 520.37M |
| Book Value Per Share | 17.65 |
| Working Capital | -318.32M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $206.27 million and capital expenditures -$7.79 million, giving a free cash flow of $198.47 million.
| Operating Cash Flow | 206.27M |
| Capital Expenditures | -7.79M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -15.34M |
| Free Cash Flow | 198.47M |
| FCF Per Share | $6.73 |
Full Cash Flow StatementMargins
Gross margin is 43.56%, with operating and profit margins of 32.47% and 23.76%.
| Gross Margin | 43.56% |
| Operating Margin | 32.47% |
| Pretax Margin | 31.62% |
| Profit Margin | 23.76% |
| EBITDA Margin | 34.00% |
| EBIT Margin | 32.47% |
| FCF Margin | 23.39% |
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 | -0.69% |
| Shareholder Yield | -0.69% |
| Earnings Yield | 31.52% |
| FCF Yield | 31.03% |
Dividend DetailsAnalyst Forecast
The average price target for HRTG is $31.50, which is 45.30% higher than the current price. The consensus rating is "Buy".
| Price Target | $31.50 |
| Price Target Difference | 45.30% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | -3.44% |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| 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 |
