Nama's AI scorecard currently rates Heritage Insurance Buy (6.8 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is HRTG's P/E ratio?

Heritage Insurance trades at a trailing price-to-earnings ratio of 5.0.

When does HRTG report earnings?

Heritage Insurance's next scheduled report is on Mar 9, 2027. Analysts expect EPS of $1.16.

What is the HRTG price target?

The median analyst price target from 2 analysts is $40.00, with a range of $36.00 – $44.00.

Is HRTG Shariah compliant?

Nama's AAOIFI-style screen reads Heritage Insurance as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Nama Insights

Heritage Insurance (HRTG)

Financial Services · Insurance Property Casualty · NYSE

Heritage Insurance (HRTG) is a Financial Services company in the Insurance Property Casualty industry. It has a market capitalization of $1.06B and a trailing price-to-earnings ratio of 5.0. Over the most recent reported fiscal year, revenue grew 1.0%. Nama's AI scorecard rates it Buy, 6.8 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Buy · 6.8/10

Positive, at the low end of Buy. As of Nov 7, 2026.

Momentum

Rising · +24.0% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-12.3%

How far the last close sits under the highest price of the past five years.

Market cap	$1.06B
Trailing P/E	5.0
Price / book	1.9
Price / sales	1.2
FCF yield	—
Dividend yield	—
Gross margin	45.1%
Operating margin	31.6%
Net margin	25.1%
Revenue growth (YoY)	+1.0%
Revenue growth (3-yr annual)	+5.3%
EPS growth (YoY)	+210.9%
FCF/share growth (YoY)	—
Beta	0.9
Exchange	NYSE
Sector	Financial Services
Industry	Insurance Property Casualty

HRTG earnings

Next report: Mar 9, 2027 (Q4 2026, EPS estimate $1.16). Beat the EPS estimate in 3 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 28, 2026	$1.72	$0.93	+85.0%	—
Q2 2026	Aug 5, 2026	$2.05	$1.25	+64.0%	$214.19M
Q1 2026	May 7, 2026	$1.19	$1.53	-22.2%	$227.26M
Q4 2025	Mar 9, 2026	$2.15	$1.74	+23.6%	$142.42M

HRTG analyst price target

Median target $40.00 from 2 analysts, ranging $36.00 – $44.00.

Insurance Property Casualty peers

Ticker	Company	Market cap	P/E
CB	Chubb	$139.47B	12.5
PGR	Progressive	$131.96B	11.9
TRV	Travelers Companies	$80.98B	10.4
ALL	Allstate	$63.05B	5.8
CINF	Cincinnati Financial	$28.47B	19.0
WRB	W. R. Berkley	$27.95B	15.4
MKL	Markel Group	$23.71B	16.4
L	Loews	$22.19B	32.4

Explore live HRTG data on Nama Insights →

HRTG FAQ

Is HRTG a buy?: Nama's AI scorecard currently rates Heritage Insurance Buy (6.8 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is HRTG's P/E ratio?: Heritage Insurance trades at a trailing price-to-earnings ratio of 5.0.
When does HRTG report earnings?: Heritage Insurance's next scheduled report is on Mar 9, 2027. Analysts expect EPS of $1.16.
What is the HRTG price target?: The median analyst price target from 2 analysts is $40.00, with a range of $36.00 – $44.00.
Is HRTG Shariah compliant?: Nama's AAOIFI-style screen reads Heritage Insurance as Not Shariah Compliant. At least one of the three ratios or the industry test failed.