HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $780.17 million. The enterprise value is $320.71 million.
Important Dates
The next estimated earnings date is Tuesday, May 5, 2026, after market close.
| Earnings Date | May 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 29.24 million shares outstanding. The number of shares has increased by 0.96% in one year.
| Current Share Class | 29.24M |
| Shares Outstanding | 29.24M |
| Shares Change (YoY) | +0.96% |
| Shares Change (QoQ) | -0.21% |
| Owned by Insiders (%) | 22.67% |
| Owned by Institutions (%) | 69.38% |
| Float | 22.39M |
Valuation Ratios
The trailing PE ratio is 4.22 and the forward PE ratio is 5.78.
| PE Ratio | 4.22 |
| Forward PE | 5.78 |
| PS Ratio | 0.92 |
| Forward PS | 0.86 |
| PB Ratio | 1.55 |
| P/TBV Ratio | 1.64 |
| P/FCF Ratio | 4.48 |
| P/OCF Ratio | 4.28 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 1.15, with an EV/FCF ratio of 1.84.
| EV / Earnings | 1.64 |
| EV / Sales | 0.38 |
| EV / EBITDA | 1.15 |
| EV / EBIT | 1.20 |
| EV / FCF | 1.84 |
Financial Position
The company has a current ratio of 0.83, with a Debt / Equity ratio of 0.20.
| Current Ratio | 0.83 |
| Quick Ratio | 0.42 |
| Debt / Equity | 0.20 |
| Debt / EBITDA | 0.35 |
| Debt / FCF | 0.57 |
| Interest Coverage | 33.87 |
Financial Efficiency
Return on equity (ROE) is 49.14% and return on invested capital (ROIC) is 35.24%.
| Return on Equity (ROE) | 49.14% |
| Return on Assets (ROA) | 7.16% |
| Return on Invested Capital (ROIC) | 35.24% |
| Return on Capital Employed (ROCE) | 44.79% |
| Weighted Average Cost of Capital (WACC) | 9.09% |
| Revenue Per Employee | $1.56M |
| Profits Per Employee | $360,875 |
| Employee Count | 542 |
| Asset Turnover | 0.36 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $63.67 million in taxes.
| Income Tax | 63.67M |
| Effective Tax Rate | 24.56% |
Stock Price Statistics
The stock price has increased by +53.07% in the last 52 weeks. The beta is 0.95, so HRTG's price volatility has been similar to the market average.
| Beta (5Y) | 0.95 |
| 52-Week Price Change | +53.07% |
| 50-Day Moving Average | 26.48 |
| 200-Day Moving Average | 25.41 |
| Relative Strength Index (RSI) | 50.83 |
| Average Volume (20 Days) | 264,132 |
Short Selling Information
The latest short interest is 1.46 million, so 4.99% of the outstanding shares have been sold short.
| Short Interest | 1.46M |
| Short Previous Month | 1.29M |
| Short % of Shares Out | 4.99% |
| Short % of Float | 6.52% |
| Short Ratio (days to cover) | 4.59 |
Income Statement
In the last 12 months, HRTG had revenue of $847.33 million and earned $195.59 million in profits. Earnings per share was $6.32.
| Revenue | 847.33M |
| Gross Profit | 360.12M |
| Operating Income | 267.15M |
| Pretax Income | 259.26M |
| Net Income | 195.59M |
| EBITDA | 279.85M |
| EBIT | 267.15M |
| Earnings Per Share (EPS) | $6.32 |
Full Income StatementBalance Sheet
The company has $559.27 million in cash and $99.82 million in debt, with a net cash position of $459.46 million or $15.71 per share.
| Cash & Cash Equivalents | 559.27M |
| Total Debt | 99.82M |
| Net Cash | 459.46M |
| Net Cash Per Share | $15.71 |
| Equity (Book Value) | 505.25M |
| Book Value Per Share | 17.21 |
| Working Capital | -268.48M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $182.24 million and capital expenditures -$8.07 million, giving a free cash flow of $174.16 million.
| Operating Cash Flow | 182.24M |
| Capital Expenditures | -8.07M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -36.05M |
| Free Cash Flow | 174.16M |
| FCF Per Share | $5.96 |
Full Cash Flow StatementMargins
Gross margin is 42.50%, with operating and profit margins of 31.53% and 23.08%.
| Gross Margin | 42.50% |
| Operating Margin | 31.53% |
| Pretax Margin | 30.60% |
| Profit Margin | 23.08% |
| EBITDA Margin | 33.03% |
| EBIT Margin | 31.53% |
| FCF Margin | 20.55% |
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 | -0.96% |
| Shareholder Yield | -0.96% |
| Earnings Yield | 25.07% |
| FCF Yield | 22.32% |
Dividend DetailsAnalyst Forecast
The average price target for HRTG is $33.50, which is 25.56% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $33.50 |
| Price Target Difference | 25.56% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 2 |
| 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 |
