HRTG
9/9 ScoreHeritage Insurance Holdings, Inc.
Analysis Date: March 17, 2026
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners, and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, and emergency and recovery services; and property management, and reinsurance services. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as indirectly to approximately 1,500 retail locations through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.
Buffettology Criteria
All 9 of 9 criteria passed
High ROE
Return on Equity > 12%
Value: 47.3%
High ROIC
Return on Invested Capital > 9%
Value: 27.5%
Cash Machine
FCF / Assets > 5%
Value: 0.08
Fair Valuation
Earnings Yield > 3.5%
Value: 22.3%
Share Buybacks
Share Count is Dropping
Value: 1.0%
Defensible Moat
Gross Profit Margin > 40%
Value: 63.0%
Simple Business
Not in a speculative sector (e.g., Biotech)
Value: Financial Services
Conservative Debt
Debt to Equity < 1.5
Value: 0.20x
Consistent Growth
5-Year Growth is Positive
Value: 18.0%
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