5 Undervalued Insurance Stocks for Wednesday, September 02
Discover the top 5 undervalued Insurance stocks for Wednesday, September 02 based on AAII’s Stock Grades.Jenna Brashear
Stock Evaluator: Heritage Insurance Holdings, Inc. (HRTG)
Heritage Insurance Holdings, Inc. HRTG
$34.83
-0.40
-1.14%
October 9, 2026 4:00:03 PM
EST
Volume: 147,510
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NYSE | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Insurance |
A+ Stock Grade Summary:
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COMPANY SUMMARY
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York.
The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
Commentary & Analysis
Three Insurance Stocks That May Rate Watching
This week, we use AAII’s A+ Investor Stock Grades to provide insight into three insurance stocks.
Rosalio Madrigal
Is Heritage Insurance Holdings, Inc. (HRTG) Overvalued?
We dive into why Heritage Insurance Holdings, Inc. (HRTG) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Tudor Pop
Why Heritage Insurance Holdings, Inc.’s (HRTG) Stock Is Down 7.03%
As of Friday, August 07, Heritage Insurance Holdings, Inc.’s HRTG share price has dipped by 7.03%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why Heritage Insurance Holdings, Inc.’s (HRTG) Stock Is Up 13.17%
As of Thursday, August 06, Heritage Insurance Holdings, Inc.’s HRTG share price has surged by 13.17%, which has investors questioning if this is right time to sell.Michael Rose
Financial Summary
| Share Statistics | HRTG | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,005.5 | $5,401.9 | 46% |
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| Shares Out (Mil) | 30.1 | 77.9 | 37% |
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| Institutional Ownership | 77.4% | 80.0% | 47% |
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| Float (Mil) | 22.7 | 68.1 | 31% |
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| Beta | 0.91 | 0.48 | 54% |
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| Avg Daily Volume (000s) | 258 | 259 | 48% |
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| Price Change (52-week) |
34.3% | 86.7% | 78% |
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| Growth | HRTG | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.4% | 5.5% | 48% |
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| Net Income (5yr) | 83.9% | 14.2% | 98% |
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| EPS (5yr) | 80.5% | 15.5% | 98 |
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| Dividends (5yr) | (14.9%) | 3.8% | 0% |
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| Cash Flow (5yr) | (9.6%) | (13.3%) | 58% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 2 | 3 | |
| Current EPS | $0.767 | $5.175 | $5.183 | |
| Month Ago EPS | $0.767 | $5.175 | $5.183 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.607 | $4.367 | $4.733 | |
| Year/Year Chg | (62.6%) | (18.1%) | (18.5%) | |
| Financials | HRTG | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $855 | $4,725 | 48% |
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| Net Income (TTM) (Mil) | $215 | $528 | 69% |
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| EPS (TTM) | $7.027 | $2.500 | 91% |
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| Operating Cash Flow (TTM) (Mil) | $305 | $562 | 65% |
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| Net Cash Flow (TTM) (Mil) | $114 | $5 | 79% |
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| Long-Term Debt (Q1) (Mil) | $88 | $880 | 43% |
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| Enterprise Value (Q1) (Mil) | $449 | $7,271 | 33% |
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| Valuation | HRTG | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.77 | 1.52 | 48% |
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| P/E | 5.0 | 11.3 | 5% |
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| Dividend Yield | 0.0% | 1.1% | 0% |
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| PEG (5yr hist) | 0.1 | 0.5 | 2% |
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| Ratios | HRTG | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 45.4% | 35.3% | 57% |
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| Net Margin | 25.2% | 10.4% | 84% |
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| ROA | 8.6% | 2.5% | 84% |
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| ROE | 45.3% | 14.6% | 92% |
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| Liabilities to Assets | 76.9% | 77.0% | 73% |
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| F-Score | 8 | 6 | 93% |
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Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Kirkpatrick Bargain Screen
Factors: Value, Momentum
Investing model outlined in Charles Kirkpatrick's book, Beat the Market: Invest by Knowing What Stocks to Buy and What Stocks to Sell.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
