헤리티지보험홀딩스(HRTG) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

HRTG

Heritage Insurance Holdings Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$28.54

+0.72 ▲ +2.59%

🌙 7월 27일 5:05 PM ET (한국 7/28 06:05)

$28.54

+0.00 +0.00%

헤리티지보험홀딩스(HRTG) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$866M

스몰캡

P/E

4.4

저평가 구간

배당수익률

없음

52주 위치

77%

저점 +70% · 고점 -11%

애널리스트

매수

B-

Fundamental health

vs. Insurance - Property & Casualty 소형주

수익성

Top 5%

성장

Top 53%

밸류에이션

Top 75%

재무 안정

Top 40%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 3년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 4원. Over the past 3년, it usually traded around 6원. On the cheaper side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.· based on 2.8 profitable years

Index ⓘ	RUT	P/E ⓘ	4.38	EPS (ttm) ⓘ	6.51	Insider Own ⓘ	20.51%	Shs Outstand ⓘ	30.3M	Perf Week ⓘ	4.05%
Market Cap ⓘ	0.87B	Forward P/E ⓘ	6.03	EPS next Y ⓘ	8.4%	Insider Trans ⓘ	-2.1%	Shs Float ⓘ	24.1M	Perf Month ⓘ	17.3%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	1.25	Inst Own ⓘ	63.27%	Short Float ⓘ	3.81%	Perf Quarter ⓘ	-2.49%
Income ⓘ	0.20B	P/S ⓘ	1.02	EPS this Y ⓘ	-30.91%	Inst Trans ⓘ	-2.2%	Short Ratio ⓘ	2.07	Perf Half Y ⓘ	11.97%
Sales ⓘ	0.85B	P/B ⓘ	1.66	EPS next 5Y ⓘ	-	ROA ⓘ	13.26%	Short Interest ⓘ	0.92M	Perf YTD ⓘ	-2.46%
Book/sh ⓘ	17.15	P/C ⓘ	-	EPS past 3/5Y ⓘ	- 80.14%	ROE ⓘ	47.47%	52W High ⓘ	-10.76% ($31.98)	Perf Year ⓘ	38.68%
Cash/sh ⓘ	-	P/FCF ⓘ	4.36	Sales past 3/5Y ⓘ	8.55% 7.38%	ROIC ⓘ	32.87%	52W Low ⓘ	69.63% ($16.83)	Perf 3Y ⓘ	520.43%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	157.31%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	3.88% 3.83%	Perf 5Y ⓘ	287.25%
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	1.25%	Oper. Margin ⓘ	32.47%	ATR (14) ⓘ	1.03	Perf 10Y ⓘ	128.69%
Dividend Ex-Date ⓘ	2022/6/13	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	19.78%	Profit Margin ⓘ	23.76%	RSI (14) ⓘ	64.09	Recom ⓘ	1.67
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	1.79	Sales Q/Q ⓘ	0.54%	SMA20 ⓘ	5.24% ($27.12)	Beta ⓘ	0.9	Target Price ⓘ	$33.5
Payout ⓘ	-	Debt/Eq ⓘ	0.19	Earnings ⓘ	2026/8/5	SMA50 ⓘ	16.33% ($24.53)	Rel Volume ⓘ	0.56	Prev Close ⓘ	$27.82
Employees ⓘ	542	LT Debt/Eq ⓘ	0.18	EPS/Sales Surpr. ⓘ	-22.22% -1.27%	SMA200 ⓘ	8.64% ($26.27)	Avg Volume(3M) ⓘ	0.44M	Price ⓘ	$28.54
IPO ⓘ	2014/5/23	Option/Short ⓘ	Yes/Yes			Trades ⓘ	4069	Volume ⓘ	247,500	Change ⓘ	2.59%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12

25.3

25.6

25.9

25.12

26.3

Revenue Net income 최근 분기: 매출 $213M (YoY +1%) · 순이익 $36M (YoY +20%)

📊 Heritage Insurance Holdings Inc (HRTG) Investment Analysis

What kind of company is Heritage Insurance Holdings Inc?

헤리티지보험홀딩스(HRTG) 가치주

Financial · Insurance - Property & Casualty

Financial Stocks

Heritage Insurance Holdings (HRTG) is a property and casualty insurer that provides personal and commercial residential property insurance in the United States. Through its subsidiary network, it underwrites homeowners property and casualty insurance and operates primarily in coastal regions with high exposure to natural disasters such as hurricanes. Profitability management through the use of reinsurance and disciplined underwriting is a core element of its business model.

Learn more about Heritage Insurance Holdings Inc →

Market Cap

$0.9B

Approx. KRW 1.2 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank2763

Employees542people

IPO2014/05/23

Current Price$28.54 ≈ 39,100원

📌 RUT · NYSE · USA

Key Events

⏰ Upcoming events

🔔 Earnings release D-8

8월 5일 (수) · 장 마감 후

예상 매출 - · EPS $1.25

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 5월 7일 (목) · 장 마감 후 EPS -22.2% 매출 -1.3%

🔔 Earnings release 2026년 3월 9일 (월) · 장 시작 전 EPS +23.8% 매출 +1.3%

🎯 Ex-div 2022년 6월 13일 (월)

Is it profitable?

Solid company — profitability & finances both healthy

Strong earnings and excellent financial health

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

32.5%

✓ 우수

My positionTop 25%

Low range Average High range

Insurance - Property & Casualty 소형주 Median 11.5% · Top 11%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

23.8%

✓ 우수

My positionTop 25%

Low range Average High range

Insurance - Property & Casualty 소형주 Median 9.4% · Top 15%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

47.5%

✓ 우수

My positionTop 5%

Low range Average High range

Financial 소형주 Median 9.9% · Top tier

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

13.3%

✓ 우수

My positionTop 5%

Low range Average High range

Financial 소형주 Median 1.5% · Top tier

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

32.9%

✓ 우수

My positionTop 5%

Low range Average High range

Financial 소형주 Median 5.3% · Top tier

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.19

✓ Healthy debt

My positionMid-range

Low range Average High range

Insurance - Property & Casualty Median 0.25

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

1.79

✓ 우수

My positionTop 25%

Low range Average High range

Insurance - Property & Casualty Median 0.69

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$33.50

현재가 대비 +17.4%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

6.03배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+8.4%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

+0.8%

평균 서프라이즈

2026.05.07

하회

실적 $1.19 · 예상 $1.53 -22.5%

2026.03.09

상회

실적 $2.15 · 예상 $1.74 +24.1%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Growth Expected to Slow

Historical growth is expected to lose momentum

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

-30.9%

부진

My positionBottom 25%

Low range Average High range

가치주 소형주 Median 4.4% · Bottom 15%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+8.4%

평균

My positionMid-range

Low range Average High range

가치주 소형주 Median 8.6% · Bottom 49%

📊 How much has it grown? (actual results)

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+80.1%

우수

My positionTop 5%

Low range Average High range

가치주 소형주 Median 10.6% · Top tier

Past 5-Year Revenue

How much revenue grew over the past 5 years

+7.4%

평균

My positionMid-range

Low range Average High range

가치주 소형주 Median 12.0% · Bottom 35%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+0.5%

평균

My positionMid-range

Low range Average High range

가치주 소형주 Median 4.2% · Bottom 35%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Outperformed the market by 219%p over 5 years

HRTG +287.3% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

+218.9%p

well ahead of the market

1-year basis

vs S&P 500

+22.7%p

ahead of the market

Rank among peers

5-year return Top among peers Based on 13 peers

1-year return Top 19% Based on 16 peers

Current position within 52-week range

Low (-69.6%p) High (-10.8%p)

Current price is 69.6% above the 52-week low and 10.8% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-31.2%

Annualized volatility

55.7%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

⚠️

Current diagnosis · 2026-07-27

Overbought zone — short-term pullback possible

Current price $28.54 broke above the upper band ($28.52). Stronger buying than average, but signals short-term overheating. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 0.729 · Signal 0.770 · Hist -0.041. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 64.1 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 92.5.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Sales·Vs. Cash Flow, In line with peers on Vs. Assets

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Mid-range

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Cheap

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

4.38x

✓ Very cheap

My positionTop 5%

Low range Average High range

Insurance - Property & Casualty 소형주 median 11.71x · Top 1% — relatively cheap within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

6.03x

✓ Very cheap

My positionTop 5%

Low range Average High range

Insurance - Property & Casualty 소형주 median 10.09x · Top 1% — relatively cheap within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.66x

✓ Fair

My positionMid-range

Low range Average High range

Insurance - Property & Casualty 소형주 median 1.61x · Around the industry average

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

1.02x

✓ Cheap

My positionMid-range

Low range Average High range

Insurance - Property & Casualty 소형주 median 1.09x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

4.36x

✓ Cheap

My positionMid-range

Low range Average High range

Insurance - Property & Casualty 소형주 median 5.17x · Around the industry average

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$33.50 vs. current price +17.4%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Insurance - Property & Casualty 소형주

Who owns it?

Ownership flow shows some pressure

Insider modest net selling -2.1% · Institutional net selling -2.2% · Short interest light 3.8% · Short interest fell -1.5%p over the last 90 days

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-2.1%

Insiders net selling

🏦 Institutions (funds & investors)

-2.2%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 63.3%

Adequate institutional weight

Financial 소형주 Median 42.5%

🧑‍💼 Insiders 20.5%

Founder/management large holders (strong skin-in-the-game)

Financial 소형주 Median 14.2%

👤 Retail investors (estimated) 16.2%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

3.8%

Low — limited short-side pressure

Financial 소형주 Median 0.8%

Past 90 days 📉 -1.5%p decrease

Short interest days to cover

2.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 30.3M주

Float (tradable shares) 24.1M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding HRTG

ETFs with the highest weightings · 10 total shown

VAMO

Cambria ETF Trust Cambria Value and Momentum ETF

0.92%

$109M

FDM

First Trust Dow Jones Select Microcap Index Fund

0.82%

$260M

EHLS

Even Herd Long Short ETF

0.58%

$60M

AFSM

First Trust Active Factor Small Cap ETF

0.45%

$119M

SVAL

iShares US Small Cap Value Factor ETF

0.45%

$199M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
HRTG This Stock	$866.2M	4.4 ▲	1.7 ▼	47.47% ▲	-	+2.6%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 헤리티지보험홀딩스(HRTG)?

헤리티지보험홀딩스(HRTG) belongs to the Financial sector and operates in the Insurance - Property & Casualty industry.

What is the market cap of HRTG?

The market cap of HRTG is approximately $866M, ranking 2,763 within its sector.

What is the P/E ratio of HRTG?

HRTG has a P/E ratio of approximately 4.4x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for HRTG?

HRTG has recorded a 52-week high of $31.98 and a low of $16.83.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.