NYSE · Financial · Insurance - Property & Casualty · USA
Heritage Insurance Holdings Inc is a small cap company (market value between $300 million and $2 billion) in the Insurance - Property & Casualty industry.
Heritage Insurance Holdings is a property and casualty insurance holding company providing personal and commercial residential property insurance through subsidiaries Heritage P&C, Narragansett Bay Insurance Company, and Zephyr Insurance Company. Operating across eastern and gulf states, Hawaii, and California, the company handles underwriting, claims processing, and customer service through vertically integrated operations serving customers via independent agents.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Heritage Insurance Holdings Inc stock.
Undervalued: intrinsic value $73.00 per share, market price $36.98, margin of safety 49.3% (as of 2026-10-20).
Book value at 2.50x, the multiple a 45.3% return on equity justifies, blended with earnings, values the shares at $73.00; the price of $36.98 is 49% below that value.
Leak Score: 90/100 on 12 of 12 signals (Major Leak).
17 more funds hold it; the full list is part of the paid plan.
All 45 Insurance - Property & Casualty stocks
HRTG is undervalued (as of the 2026-10-20 close). Book value at 2.50x, the multiple a 45.3% return on equity justifies, blended with earnings, values the shares at $73.00; the price of $36.98 is 49% below that value.
$73.00 per share (as of the 2026-10-20 close), against a market price of $36.98. That is a margin of safety of 49.3%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
90 out of 100, which we rate "Major Leak", on 12 of 12 value investing signals.