HRTG
Heritage InsuranceBNYSE / Insurance
Last Price
At close
2026-07-18
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
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
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
67
Value
64
Sentiment
46
Setup hits (3d)
— · Net —
AI TargetsBase $24.50 · Bull $31.00 · Bear $18.50
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-09 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net —
Target $33.50
Why
Momentum67 · Δ7d +0.6
Value64 · Δ7d +0.2
Sentiment46 · Δ7d +0.5
So what
Strength-led posture. Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
67
26% active weight
Current posture
7d trendImproving
Δ7d
+0.6
Δ21d
+41.8
Value
64
39% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
-0.2
Sentiment
46
34% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
-5.7
Why this grade
Composite grade B. Momentum 66.6 / Value 64.2 / Sentiment 46.4
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$820.66M
Beta
0.96
Shares Out
30.35M
P/E (TTM)
5.6
P/S (TTM)
0.99
P/FCF (TTM)
7.96
Rev YoY
+0.5%
EPS YoY
+19.8%
Gross Margin
-
Op Margin
+24.8%
Net Debt
-$472.77M
Current Ratio
1.79
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology