NYSE
HRTG
Last Price
US $33.96
KEY FIGURES
MKT CAP
$1.0B
EPS
TTM
$7.17
PEG
TTM
0.05x
P/E
TTM
4.73x
P/S
TTM
1.30x
YIELD
0.00%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Heritage Insurance Holdings, Inc. cash flow to debt ratio of 182.58% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
Heritage Insurance Holdings, Inc.'s free cash flow has increased 120.84% from $78.86M last year to $174.16M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Heritage Insurance Holdings, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Heritage Insurance Holdings, Inc.'s debt has decreased relative to shareholder equity from 0.49 last year to 0.00 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Heritage Insurance Holdings, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Heritage Insurance Holdings, Inc.'s interest coverage ratio of 41.02 indicates that earnings with good margin can cover interest payments on company debt
Financial stability - Profit margin growth.
Heritage Insurance Holdings, Inc.'s profit margin has increased (265.62%) in the last year from 7.53% to 27.54%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Heritage Insurance Holdings, Inc.'s short-term liabilities of $1.66G exceed its short-term assets of $1.43G, signaling financial risk
Increasing performance - ROA.
Heritage Insurance Holdings, Inc.'s return on assets of 8.80% is higher than the 5.00% threshold, indicating efficient asset utilization
Increasing performance - Absolute return on equity.
Heritage Insurance Holdings, Inc.'s return on equity of 42.41%, is higher than 15.00%, indicating good performance
Decreasing performance - Earnings quality.
Heritage Insurance Holdings, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Heritage Insurance Holdings, Inc. had positive net income in 3.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Heritage Insurance Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Heritage Insurance Holdings, Inc. has a free cash flow yield of 16.94%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Heritage Insurance Holdings, Inc.'s yearly earnings has increased 217.84% since last year from $61.54M to $195.59M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Heritage Insurance Holdings, Inc.'s yearly revenue has increased 3.62% since last year from $817.74M to $847.33M, signaling increasing performance
Increasing performance - ROIC.
ROIC 19.40% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Heritage Insurance Holdings, Inc.'s 3-year revenue CAGR of 8.55% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Heritage Insurance Holdings, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Heritage Insurance Holdings, Inc. had positive ROE in 3.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Heritage Insurance Holdings, Inc. is undervalued relative to its fair value price of 82.40 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Heritage Insurance Holdings, Inc. has an earnings yield of 21.12%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
Heritage Insurance Holdings, Inc. is undervalued relative to its fair value price of 78.24 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Heritage Insurance Holdings, Inc. has an EV/EBITDA ratio of 2.03x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Heritage Insurance Holdings, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Heritage Insurance Holdings, Inc. has a price-to-book ratio of 1.79x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Heritage Insurance Holdings, Inc. has a price-to-sales ratio of 1.30x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
42.41%
Return on equity
ROIC: 19.40%
Valuation History
4.7X
Price to Earnings
EV/EBITDA: 1.7X
Cash flow
Profit margin
7.38%
(FY vs FY)
EBITDA Y/Y
72.57%
(FY vs FY)
Cash flow Y/Y
0.55%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $33.96
142.64%
Default assumptions
EBITDA Multiple
Fair Value
Market $33.96
130.39%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.