HRTG
Heritage Insurance·NYSE
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6.99 / 10
Outperform
HRTG's fundamental score of 6.99/10 reflects positive drivers such as Asset-MV, Revenue-MV, Profit-MV, and Cash-UP, all contributing favorably to valuation and growth metrics. Key YoY growth rates—Basic Earnings Per Share at 208.89%, Total Profit at 218.86%, and ROE at 27.37%—highlight impressive profitability and efficiency. However, Net Cash Flow from Operating Activities shows only 17.64% growth, placing it in the lowest quartile and tempering the otherwise strong fundamental picture. Overall, the company exhibits solid financial health with room to strengthen cash generation.
Analysis Checks(9/10)
Revenue-MV
Value0.64
Score2/3
Weight7.76%
1M Return3.30%
Value0.64
Score2/3
Weight7.76%
1M Return3.30%
ROE (diluted) (YoY growth rate %)
Value27.37
Score3/3
Weight13.17%
1M Return5.25%
Value27.37
Score3/3
Weight13.17%
1M Return5.25%
Basic earnings per share (YoY growth rate %)
Value208.89
Score3/3
Weight13.33%
1M Return5.12%
Value208.89
Score3/3
Weight13.33%
1M Return5.12%
Net cash flow from operating activities (YoY growth rate %)
Value17.64
Score0/3
Weight-0.89%
1M Return-0.49%
Value17.64
Score0/3
Weight-0.89%
1M Return-0.49%
Cash-UP
Value0.74
Score3/3
Weight21.81%
1M Return10.65%
Value0.74
Score3/3
Weight21.81%
1M Return10.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score2/3
Weight6.38%
1M Return2.83%
Value100.00
Score2/3
Weight6.38%
1M Return2.83%
Profit-MV
Value1.96
Score3/3
Weight15.20%
1M Return5.77%
Value1.96
Score3/3
Weight15.20%
1M Return5.77%
Total profit (YoY growth rate %)
Value218.86
Score3/3
Weight13.73%
1M Return5.23%
Value218.86
Score3/3
Weight13.73%
1M Return5.23%
Current assets turnover ratio
Value1.78
Score2/3
Weight6.05%
1M Return2.59%
Value1.78
Score2/3
Weight6.05%
1M Return2.59%
Asset-MV
Value-0.50
Score2/3
Weight3.45%
1M Return1.62%
Value-0.50
Score2/3
Weight3.45%
1M Return1.62%
Revenue-MV
Value0.64
Score2/3
Weight7.76%
1M Return3.30%
Value0.64
Score2/3
Weight7.76%
1M Return3.30%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score2/3
Weight6.38%
1M Return2.83%
Value100.00
Score2/3
Weight6.38%
1M Return2.83%
ROE (diluted) (YoY growth rate %)
Value27.37
Score3/3
Weight13.17%
1M Return5.25%
Value27.37
Score3/3
Weight13.17%
1M Return5.25%
Profit-MV
Value1.96
Score3/3
Weight15.20%
1M Return5.77%
Value1.96
Score3/3
Weight15.20%
1M Return5.77%
Basic earnings per share (YoY growth rate %)
Value208.89
Score3/3
Weight13.33%
1M Return5.12%
Value208.89
Score3/3
Weight13.33%
1M Return5.12%
Total profit (YoY growth rate %)
Value218.86
Score3/3
Weight13.73%
1M Return5.23%
Value218.86
Score3/3
Weight13.73%
1M Return5.23%
Net cash flow from operating activities (YoY growth rate %)
Value17.64
Score0/3
Weight-0.89%
1M Return-0.49%
Value17.64
Score0/3
Weight-0.89%
1M Return-0.49%
Current assets turnover ratio
Value1.78
Score2/3
Weight6.05%
1M Return2.59%
Value1.78
Score2/3
Weight6.05%
1M Return2.59%
Cash-UP
Value0.74
Score3/3
Weight21.81%
1M Return10.65%
Value0.74
Score3/3
Weight21.81%
1M Return10.65%
Asset-MV
Value-0.50
Score2/3
Weight3.45%
1M Return1.62%
Value-0.50
Score2/3
Weight3.45%
1M Return1.62%
Is HRTG undervalued or overvalued?
- HRTG scores 6.99/10 on fundamentals and holds a Discounted valuation at present. Backed by its 35.41% ROE, 17.72% net margin, 5.52 P/E ratio, 1.88 P/B ratio, and 90.91% earnings growth, these metrics solidify its Outperform investment rating.
