Heritage Insurance (HRTG) Fundamental Analysis: Revenue, Earnings & Valuation

5.72 / 10

Netural

Fundamental assessment scores 5.7/10 (Neutral). Revenue‑to‑market value and accounts‑receivable turnover are strong, while the Asset‑to‑market value ratio is low, indicating asset inefficiency. Cash‑up is negative. Overall, the company displays modest financial health with several upside factors but notable constraints.

Analysis Checks(9/10)

Revenue-MV

Value0.50

Score2/3

Weight4.21%

1M Return1.31%

Net profit attributable to parent company shareholders / Net profit (%)

Value100.00

Score3/3

Weight10.02%

1M Return2.92%

Accounts receivable turnover ratio

Value23.61

Score3/3

Weight9.01%

1M Return2.64%

Cash-UP

Value-2.38

Score3/3

Weight13.10%

1M Return4.55%

Fixed assets turnover ratio

Value9771.06

Score3/3

Weight8.31%

1M Return2.46%

Interest coverage ratio (EBIT / Interest expense) (%)

Value34.91

Score2/3

Weight8.21%

1M Return2.44%

Diluted earnings per share (YoY growth rate %)

Value214.43

Score3/3

Weight17.16%

1M Return4.62%

Asset-MV

Value-0.55

Score1/3

Weight7.85%

1M Return2.17%

Net profit attributable to parent company shareholders (YoY growth rate %)

Value217.84

Score2/3

Weight13.60%

1M Return3.66%

Current ratio

Value3.80

Score3/3

Weight8.55%

1M Return2.53%

Is HRTG fundamentally strong?

HRTG scores 5.72/10 on fundamentals and holds a Fair valuation at present. Backed by its 49.14% ROE, 23.08% net margin, 4.14 P/E ratio, 1.60 P/B ratio, and 214.93% earnings growth, these metrics solidify its Netural investment rating.