HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $628.77 million. The enterprise value is $270.79 million.
Important Dates
The last earnings date was Tuesday, August 5, 2025, after market close.
| Earnings Date | Aug 5, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 29.33 million shares outstanding. The number of shares has increased by 7.30% in one year.
| Current Share Class | 29.33M |
| Shares Outstanding | 29.33M |
| Shares Change (YoY) | +7.30% |
| Shares Change (QoQ) | +1.00% |
| Owned by Insiders (%) | 25.19% |
| Owned by Institutions (%) | 66.37% |
| Float | 21.71M |
Valuation Ratios
The trailing PE ratio is 6.17 and the forward PE ratio is 5.57.
| PE Ratio | 6.17 |
| Forward PE | 5.57 |
| PS Ratio | 0.78 |
| Forward PS | 0.70 |
| PB Ratio | 1.64 |
| P/TBV Ratio | 1.80 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 2.53 |
| EV / Sales | 0.32 |
| EV / EBITDA | 1.68 |
| EV / EBIT | 1.80 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 0.81, with a Debt / Equity ratio of 0.30.
| Current Ratio | 0.81 |
| Quick Ratio | 0.29 |
| Debt / Equity | 0.30 |
| Debt / EBITDA | 0.70 |
| Debt / FCF | n/a |
| Interest Coverage | 15.64 |
Financial Efficiency
Return on equity (ROE) is 33.49% and return on invested capital (ROIC) is 20.87%.
| Return on Equity (ROE) | 33.49% |
| Return on Assets (ROA) | 3.66% |
| Return on Invested Capital (ROIC) | 20.87% |
| Return on Capital Employed (ROCE) | 30.63% |
| Revenue Per Employee | $1.56M |
| Profits Per Employee | $198,043 |
| Employee Count | 540 |
| Asset Turnover | 0.33 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $34.00 million in taxes.
| Income Tax | 34.00M |
| Effective Tax Rate | 24.12% |
Stock Price Statistics
The stock price has increased by +66.59% in the last 52 weeks. The beta is 1.06, so HRTG's price volatility has been similar to the market average.
| Beta (5Y) | 1.06 |
| 52-Week Price Change | +66.59% |
| 50-Day Moving Average | 22.18 |
| 200-Day Moving Average | 16.46 |
| Relative Strength Index (RSI) | 49.38 |
| Average Volume (20 Days) | 482,002 |
Short Selling Information
The latest short interest is 1.89 million, so 6.46% of the outstanding shares have been sold short.
| Short Interest | 1.89M |
| Short Previous Month | 2.16M |
| Short % of Shares Out | 6.46% |
| Short % of Float | 8.72% |
| Short Ratio (days to cover) | 5.00 |
Income Statement
In the last 12 months, HRTG had revenue of $841.67 million and earned $106.94 million in profits. Earnings per share was $3.47.
| Revenue | 841.67M |
| Gross Profit | 241.56M |
| Operating Income | 150.57M |
| Pretax Income | 65.88M |
| Net Income | 106.94M |
| EBITDA | 161.49M |
| EBIT | 150.57M |
| Earnings Per Share (EPS) | $3.47 |
Full Income StatementBalance Sheet
The company has $473.47 million in cash and $115.49 million in debt, giving a net cash position of $357.98 million or $12.21 per share.
| Cash & Cash Equivalents | 473.47M |
| Total Debt | 115.49M |
| Net Cash | 357.98M |
| Net Cash Per Share | $12.21 |
| Equity (Book Value) | 383.30M |
| Book Value Per Share | 13.07 |
| Working Capital | -379.53M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$25.31 million and capital expenditures -$9.17 million, giving a free cash flow of -$34.48 million.
| Operating Cash Flow | -25.31M |
| Capital Expenditures | -9.17M |
| Free Cash Flow | -34.48M |
| FCF Per Share | -$1.18 |
Full Cash Flow StatementMargins
Gross margin is 28.70%, with operating and profit margins of 17.89% and 12.71%.
| Gross Margin | 28.70% |
| Operating Margin | 17.89% |
| Pretax Margin | 16.75% |
| Profit Margin | 12.71% |
| EBITDA Margin | 19.19% |
| EBIT Margin | 17.89% |
| FCF Margin | n/a |
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 | -7.30% |
| Shareholder Yield | -7.30% |
| Earnings Yield | 17.01% |
| FCF Yield | -5.48% |
Dividend DetailsAnalyst Forecast
The average price target for HRTG is $29.00, which is 35.26% higher than the current price. The consensus rating is "Buy".
| Price Target | $29.00 |
| Price Target Difference | 35.26% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| 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 | 5 |