HRTG
Heritage InsuranceDNYSE / Insurance
Last Price
At close
2026-06-02
Current thesis
Primary-source evidence improved: Q1 net income rose 19.7% year over year, the loss ratio improved to 45.9%, the combined ratio improved to 81.0%, and book value per share rose 4.6% from year-end, while management paired this with a larger repurchase authorization [#8-K-2026-05-07].
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +10.9.
What can break
Catastrophe and coastal concentration remain core risks; the 10-K flags concentration in coastal states and exposure to hurricane and other weather-related losses [#10-K-2026-03-12].
Momentum
9
Value
56
Sentiment
62
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $24.50 · Bull $31.00 · Bear $18.50
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-09 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-06-02
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $35.50
Why
Momentum9 · Δ7d -2.8
Value56 · Δ7d -0.4
Sentiment62 · Δ7d +10.9
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Sentiment · See AI snapshot
Momentum
9
34% active weight
Current posture
7d trendSoftening
Δ7d
-2.8
Δ21d
-47.2
Value
56
32% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
+0.6
Sentiment
62
33% active weight
Current posture
7d trendImproving
Δ7d
+10.9
Δ21d
+12.6
Why this grade
Composite grade D. Momentum 8.7 / Value 55.7 / Sentiment 61.8
Fundamentals (TTM)As of 2026-06-01
Fundamentals (TTM)
As of 2026-06-01
Market Cap
$648.88M
Beta
0.96
Shares Out
30.91M
P/E (TTM)
5.6
P/S (TTM)
0.99
P/FCF (TTM)
7.96
Rev YoY
+0.3%
EPS YoY
+513.0%
Gross Margin
-
Op Margin
+24.8%
Net Debt
-$318.28M
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology