HRTG Statistics
Total Valuation
HRTG has a market cap or net worth of $781.07 million. The enterprise value is $322.29 million.
Important Dates
The last earnings date was Wednesday, November 5, 2025, after market close.
| Earnings Date | Nov 5, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
HRTG has 29.22 million shares outstanding. The number of shares has increased by 3.88% in one year.
| Current Share Class | 29.22M |
| Shares Outstanding | 29.22M |
| Shares Change (YoY) | +3.88% |
| Shares Change (QoQ) | -0.13% |
| Owned by Insiders (%) | 23.88% |
| Owned by Institutions (%) | 67.52% |
| Float | 22.02M |
Valuation Ratios
The trailing PE ratio is 5.53 and the forward PE ratio is 6.62.
| PE Ratio | 5.53 |
| Forward PE | 6.62 |
| PS Ratio | 0.98 |
| Forward PS | 0.87 |
| PB Ratio | 1.79 |
| P/TBV Ratio | 1.93 |
| P/FCF Ratio | 7.47 |
| P/OCF Ratio | 6.95 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 1.46, with an EV/FCF ratio of 3.08.
| EV / Earnings | 2.16 |
| EV / Sales | 0.38 |
| EV / EBITDA | 1.46 |
| EV / EBIT | 1.54 |
| EV / FCF | 3.08 |
Financial Position
The company has a current ratio of 0.81, with a Debt / Equity ratio of 0.23.
| Current Ratio | 0.81 |
| Quick Ratio | 0.36 |
| Debt / Equity | 0.23 |
| Debt / EBITDA | 0.45 |
| Debt / FCF | 0.97 |
| Interest Coverage | 23.95 |
Financial Efficiency
Return on equity (ROE) is 41.64% and return on invested capital (ROIC) is 27.14%.
| Return on Equity (ROE) | 41.64% |
| Return on Assets (ROA) | 5.51% |
| Return on Invested Capital (ROIC) | 27.14% |
| Return on Capital Employed (ROCE) | 39.04% |
| Revenue Per Employee | $1.56M |
| Profits Per Employee | $276,319 |
| Employee Count | 540 |
| Asset Turnover | 0.36 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HRTG has paid $51.05 million in taxes.
| Income Tax | 51.05M |
| Effective Tax Rate | 25.49% |
Stock Price Statistics
The stock price has increased by +110.80% in the last 52 weeks. The beta is 0.96, so HRTG's price volatility has been similar to the market average.
| Beta (5Y) | 0.96 |
| 52-Week Price Change | +110.80% |
| 50-Day Moving Average | 26.20 |
| 200-Day Moving Average | 21.77 |
| Relative Strength Index (RSI) | 45.76 |
| Average Volume (20 Days) | 486,762 |
Short Selling Information
The latest short interest is 1.50 million, so 5.14% of the outstanding shares have been sold short.
| Short Interest | 1.50M |
| Short Previous Month | 1.20M |
| Short % of Shares Out | 5.14% |
| Short % of Float | 6.82% |
| Short Ratio (days to cover) | 3.13 |
Income Statement
In the last 12 months, HRTG had revenue of $842.28 million and earned $149.21 million in profits. Earnings per share was $4.83.
| Revenue | 842.28M |
| Gross Profit | 300.75M |
| Operating Income | 208.99M |
| Pretax Income | 200.26M |
| Net Income | 149.21M |
| EBITDA | 220.97M |
| EBIT | 208.99M |
| Earnings Per Share (EPS) | $4.83 |
Full Income StatementBalance Sheet
The company has $560.44 million in cash and $101.66 million in debt, giving a net cash position of $458.77 million or $15.70 per share.
| Cash & Cash Equivalents | 560.44M |
| Total Debt | 101.66M |
| Net Cash | 458.77M |
| Net Cash Per Share | $15.70 |
| Equity (Book Value) | 437.25M |
| Book Value Per Share | 14.96 |
| Working Capital | -353.39M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $112.35 million and capital expenditures -$7.78 million, giving a free cash flow of $104.58 million.
| Operating Cash Flow | 112.35M |
| Capital Expenditures | -7.78M |
| Free Cash Flow | 104.58M |
| FCF Per Share | $3.58 |
Full Cash Flow StatementMargins
Gross margin is 35.71%, with operating and profit margins of 24.81% and 17.72%.
| Gross Margin | 35.71% |
| Operating Margin | 24.81% |
| Pretax Margin | 23.78% |
| Profit Margin | 17.72% |
| EBITDA Margin | 26.23% |
| EBIT Margin | 24.81% |
| FCF Margin | 12.42% |