# Heritage Insurance (HRTG) — Overview

HRTG · NYSE · Stock

Canonical page: https://www.lighthorse.io/tickers/hrtg

## Price

Last close $36.61 on Oct 15, 2026. 52-week range $20.88 – $36.61.

## Company profile

Heritage Insurance Holdings Inc is a regional property and casualty insurance company that offers a variety of personal and commercial insurance products. Through its subsidiaries, Heritage Property & Casualty Insurance, Narragansett Bay Insurance, and Zephyr Insurance, the company issues personal residential property insurance across various states in the U.S. It also offers commercial residential insurance predominantly for its Florida properties. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claims processing internally. The company operates in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, and South Carolina.

## Financials

| Metric | Value |
| --- | --- |
| Revenue (trailing twelve months) | $854.6M |
| Revenue (quarter) | $214.2M |
| Revenue growth (year over year) | 2.96% |
| Gross profit (trailing twelve months) | $0.00 |
| Gross margin | 0.00% |
| Net income (trailing twelve months) | $215.3M |
| Net income (quarter) | $61.7M |
| Net income growth (year over year) | 28.50% |
| Net margin | 25.19% |
| Return on equity | 45.28% |
| EPS (trailing twelve months) | $7.03 |
| Book value per share | $19.09 |
| P/E (trailing twelve months) | 5.1 |
| Price to book | 1.9 |
| Debt to assets | 76.85% |
| Payout ratio | -2.07% |
| Dividend yield | 0.00% |

## Frequently Asked Questions

### Is Heritage Insurance (HRTG) profitable?

Yes. Heritage Insurance earned $215.3M in net income over the trailing twelve months, a net margin of 25.19%.

### How much revenue does Heritage Insurance (HRTG) make?

Heritage Insurance generated $854.6M in revenue over the trailing twelve months, up 2.96% year over year.

### What is HRTG's P/E ratio?

Heritage Insurance trades at 5.1 times trailing twelve-month earnings, on an EPS of $7.03.

### How do I buy stock in Heritage Insurance (HRTG)?

HRTG trades commission-free with a Light Horse Securities brokerage account — from the mobile app, the web at [Light Horse Dashboard](https://portal.lighthorse.io), the trading API, or an [AI agent connected over MCP](/instructions/ai/claude). The trade panel on this page places the order once you are signed in.

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This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).