HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $976.91 million. The enterprise value is $481.15 million.
| Market Cap | 976.91M |
| Enterprise Value | 481.15M |
Important Dates
The last earnings date was Wednesday, August 5, 2026, after market close.
| Earnings Date | Aug 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 28.87 million shares outstanding. The number of shares has decreased by -0.40% in one year.
| Current Share Class | 28.87M |
| Shares Outstanding | 28.87M |
| Shares Change (YoY) | -0.40% |
| Shares Change (QoQ) | -2.16% |
| Owned by Insiders (%) | 22.76% |
| Owned by Institutions (%) | 69.91% |
| Float | 22.08M |
Valuation Ratios
The trailing PE ratio is 4.82 and the forward PE ratio is 6.73.
| PE Ratio | 4.82 |
| Forward PE | 6.73 |
| PS Ratio | 1.14 |
| Forward PS | 1.11 |
| PB Ratio | 1.72 |
| P/TBV Ratio | 1.81 |
| P/FCF Ratio | 3.28 |
| P/OCF Ratio | 3.21 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 1.57, with an EV/FCF ratio of 1.62.
| EV / Earnings | 2.23 |
| EV / Sales | 0.56 |
| EV / EBITDA | 1.57 |
| EV / EBIT | 1.63 |
| EV / FCF | 1.62 |
Financial Position
The company has a current ratio of 0.82, with a Debt / Equity ratio of 0.16.
| Current Ratio | 0.82 |
| Quick Ratio | 0.38 |
| Debt / Equity | 0.16 |
| Debt / EBITDA | 0.30 |
| Debt / FCF | 0.31 |
| Interest Coverage | 41.78 |
Financial Efficiency
Return on equity (ROE) is 45.28% and return on invested capital (ROIC) is 34.49%.
| Return on Equity (ROE) | 45.28% |
| Return on Assets (ROA) | 7.38% |
| Return on Invested Capital (ROIC) | 34.49% |
| Return on Capital Employed (ROCE) | 44.93% |
| Weighted Average Cost of Capital (WACC) | 8.97% |
| Revenue Per Employee | $1.58M |
| Profits Per Employee | $397,214 |
| Employee Count | 542 |
| Asset Turnover | 0.34 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $72.17 million in taxes.
| Income Tax | 72.17M |
| Effective Tax Rate | 25.11% |
Stock Price Statistics
The stock price has increased by +47.64% in the last 52 weeks. The beta is 0.91, so HRTG's price volatility has been similar to the market average.
| Beta (5Y) | 0.91 |
| 52-Week Price Change | +47.64% |
| 50-Day Moving Average | 28.29 |
| 200-Day Moving Average | 27.02 |
| Relative Strength Index (RSI) | 65.26 |
| Average Volume (20 Days) | 354,399 |
Short Selling Information
The latest short interest is 744,535, so 2.58% of the outstanding shares have been sold short.
| Short Interest | 744,535 |
| Short Previous Month | 980,718 |
| Short % of Shares Out | 2.58% |
| Short % of Float | 3.37% |
| Short Ratio (days to cover) | 2.56 |
Income Statement
In the last 12 months, HRTG had revenue of $854.63 million and earned $215.29 million in profits. Earnings per share was $7.01.
| Revenue | 854.63M |
| Gross Profit | 387.91M |
| Operating Income | 294.51M |
| Pretax Income | 287.46M |
| Net Income | 215.29M |
| EBITDA | 307.41M |
| EBIT | 294.51M |
| Earnings Per Share (EPS) | $7.01 |
Balance Sheet
The company has $587.60 million in cash and $91.83 million in debt, with a net cash position of $495.76 million or $17.17 per share.
| Cash & Cash Equivalents | 587.60M |
| Total Debt | 91.83M |
| Net Cash | 495.76M |
| Net Cash Per Share | $17.17 |
| Equity (Book Value) | 567.73M |
| Book Value Per Share | 19.67 |
| Working Capital | -328.14M |
Cash Flow
In the last 12 months, operating cash flow was $304.66 million and capital expenditures -$6.92 million, giving a free cash flow of $297.75 million.
| Operating Cash Flow | 304.66M |
| Capital Expenditures | -6.92M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -19.33M |
| Free Cash Flow | 297.75M |
| FCF Per Share | $10.31 |
Margins
Gross margin is 45.39%, with operating and profit margins of 34.46% and 25.19%.
| Gross Margin | 45.39% |
| Operating Margin | 34.46% |
| Pretax Margin | 33.64% |
| Profit Margin | 25.19% |
| EBITDA Margin | 35.97% |
| EBIT Margin | 34.46% |
| 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 |
| Buyback Yield | 0.40% |
| Shareholder Yield | 0.40% |
| Earnings Yield | 22.04% |
| FCF Yield | 30.48% |
Analyst Forecast
The average price target for HRTG is $39.00, which is 15.25% higher than the current price. The consensus rating is "Buy".
| Price Target | $39.00 |
| Price Target Difference | 15.25% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | -6.27% |
Fair 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 |