Insider buying last 90 days
No open-market insider purchases were filed for HRTG in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every HRTG insider filing, plotted on the chart in Gekko.Open HRTG in Gekko
NYSE: HRTG
Heritage Insurance (HRTG) Stock Analysis & Forecast
Oct 12 close
$35.38+0.55 (+1.6%)
Gekko Brief
AI summaryOct 12 closeHeritage Insurance draws attention this week on reaffirmed analyst confidence following its record second-quarter results. Truist reaffirmed a Buy rating and a $42.00 price target on HRTG, citing strong performance after the company beat consensus with $214.19 million in revenue and $2.05 adjusted EPS. Commentary also points to the company's strategic repositioning beyond Florida into a super-regional platform, with coverage noting the stock trades at a discount to peers despite the earnings strength.
HRTG closes at $35.38, up 1.6%, sitting above both its 50-day average of $33.78 and its 200-day average of $28.00, with the 50-day above the 200-day. The stock trades within its 52-week range of $20.48 to $36.50. The GekkoIndex reads 49.4, placing it in the Neutral zone, down 6.5 over five days. Price sits 1.2% below Gekko Fair Value of $35.80.
Heritage Insurance next reports earnings on 4 November 2026, 23 days away and inside a typical 20-trading-day holding period; the prior report on 5 August 2026 produced a reaction of 18.2% after EPS of $2.05 beat the $0.99 estimate. No insider, Congress, or unusual options activity appears in the current window. Seasonally, the next 20 trading days have averaged 13% over 5 years, rising in 3 of them. Consensus among 2 firms stands at Buy, with a target of $39.00 implying 10.2% upside.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Heritage Insurance price vs fair value
Close $35.38200-day averageGekko Fair Value $35.80
Heritage Insurance quick facts
- Market cap
- $1.07B
- P/E ratio
- 5
- Forward P/E
- —
- EPS, TTM
- $7.01
- Revenue, TTM
- $854.6M
- Profit margin
- 25.2%
- Dividend yield
- —
- Beta
- 0.92
- Volume
- 167,726 avg 250,421
- 1-year return
- +38.0%
- Typical daily move
- ±2.4%
- Typical 20-day move
- ±11.8%
- 50-day average
- $33.78
- 200-day average
- $28.00
- Next earnings
- Nov 4
- Shares outstanding
- 29.73M
Heritage Insurance swing-trade checklist
Heritage Insurance scores 2 supportive, 2 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed1 headwind
- Trendsupportive
Above 50 and 200-day
Close $35.38 is above the 50-day ($33.78) and 200-day ($28.00) averages, and the 50-day is above the 200-day.
See the chart - GekkoIndexmixed
49.4, Neutral
Reading 49.4 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
1.2% below
Price is within 5% of Gekko Fair Value (1.2% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 23 days
Reports on Nov 4, 2026, 23 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+13.0% on average
From this point in the calendar, the next 20 trading days averaged +13% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Heritage Insurance stock chart and price history
Heritage Insurance closed at $35.38 on Oct 12, 2026, +38.0% over the past year, inside a 52-week range of $20.48 to $36.50.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +2.3%
- 3 months
- +28.7%
- 6 months
- +32.5%
- 1 year
- +38.0%
The full HRTG chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open HRTG in Gekko
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About Heritage Insurance
Heritage Insurance writes property coverage for homeowners and businesses through its subsidiaries. Its personal lines include policies for single-family houses, condominiums and rental units, sold across seventeen states that stretch from Florida and California to New York and New England, with added options for wind-only and other specific residential coverage. On the commercial side, it insures residential properties in Florida, New Jersey and New York, and carries a license to operate in Pennsylvania as well.
Policies reach customers through independent retail agents, wholesale agents and a direct agency partnership, with wholesale relationships giving it access to roughly 1,500 retail locations and a further network of about 70 independent agencies handling both personal and commercial business. Alongside underwriting, Heritage also provides related services such as restoration, emergency response, property management and reinsurance.
Founded in 2012 and based in Tampa, Florida, Heritage Insurance Holdings trades on the NYSE under the ticker HRTG.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Property/Casualty insurance
- Website
- heritagepci.com
Heritage Insurance GekkoIndex: the smart money zone
Heritage Insurance’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 49.4, in the Neutral zone, down 6.5 points over five sessions.
49.4Neutral
Down 6.5 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 25 | Not available | |||
| Accumulation | 192 | +1.4% | +7.0% | ||
| Neutral (current zone) | 393 | +1.1% | +6.8% | ||
| Distribution | 62 | +3.4% | +10.8% | ||
| Selling | 10 | +7.8% | +9.4% | ||
Average HRTG share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the HRTG price, zone by zone.Track HRTG in Gekko
Is Heritage Insurance stock overvalued? Gekko Fair Value
Heritage Insurance trades 1.2% below Gekko Fair Value of $35.80, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what Heritage Insurance shares are worth, recalculated every trading day.
$35.80
Gekko Fair Value, Oct 10, 2026
1.2% below fair value · About fair value
At the end of Aug 2026 the price was 5.9% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open HRTG in Gekko
Heritage Insurance insider and Congress trading
No open-market insider purchases were filed for Heritage Insurance, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in HRTG were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for HRTG, plotted on the chart in Gekko.Open HRTG in Gekko
Buybacks
Heritage Insurance has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $14.58M
- As a share of market cap
- 1.36%
From company filings.
Heritage Insurance earnings: next date and track record
Heritage Insurance reports on Nov 4, 2026 (23 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Nov 4, 2026
23 days away
- EPS estimate
- $0.77
- Revenue estimate
- $217.1M
8 of 8reports beat the EPS estimate
±10.5%average move across the report
6 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 5, 2026 AI summary
- What they said
- Heritage Insurance Holdings reported record Q2 2026 net income of $61.7 million, record diluted EPS of $2.05, and annualized ROE exceeding 45%, with operating cash flow of $166.5 million. The company has executed a multi-year strategic repositioning focused on rate adequacy, portfolio re-underwriting, and geographic diversification beyond Florida into a super-regional platform. Policy count declines are moderating as nearly all territories are now open for new business.
- Guidance
- Management believes personal residential business is approaching a policy count growth inflection point as new business production strengthens and retention remains healthy. Guidewire platform rollout is causing temporary production slowdown but agent adoption is expected to improve meaningfully post-implementation.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 5, 2026 | $2.05 est $0.99 | $214.2M est $212.7M | +18.2% |
| Mar 9, 2026 | $2.15 est $0.98 | $215.3M est $212.6M | −1.2% |
| Nov 5, 2025 | $1.63 est $0.53 | $212.5M est $212.6M | +16.5% |
| Aug 5, 2025 | $1.55 est $1.02 | $208.0M est $214.1M | −10.3% |
| May 6, 2025 | $0.99 est $0.45 | $211.5M est $213.7M | +21.5% |
| Mar 11, 2025 | $0.66 est $0.56 | $211.0M est $214.9M | +6.2% |
| Nov 7, 2024 | $0.27 est $0.06 | $211.8M est $208.4M | +8.1% |
| Aug 6, 2024 | $0.61 est $0.41 | $203.6M est $196.8M | +2.1% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Heritage Insurance stock forecast and analyst price targets
Analysts’ average 12-month price target for Heritage Insurance is $39.00, +10.2% from the last close, from 2 firms rating the stock in the last 90 days.
$39.00consensus 12-month target, +10.2% from the last close
Now $35.38Avg $39.00
Low $31High $42
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 2 | Truist Financial | $42 | +18.7% |
| Aug 6 | Truist Financial | $42 | +18.7% |
| Aug 6 | Piper Sandler | $31 | −12.4% |
| Jul 15 | Piper Sandler | $31 | −12.4% |
+6.8%average 20-day move after past Neutral readings
+13.0%average move over the next 20 trading days in the last 5 years
±2.4%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Heritage Insurance seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Heritage Insurance averaged +13.0% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −4.8% | 1 of 5 |
| Next 10 trading days | −2.1% | 1 of 5 |
| Next 15 trading days | −2.0% | 2 of 5 |
| Next 20 trading days | +13.0% | 3 of 5 |
| Next 30 trading days | +8.9% | 3 of 5 |
For scale, HRTG’s typical 20-trading-day move in either direction is about 11.8%.
Heritage Insurance market cap and key statistics
Heritage Insurance’s market cap is $1.07B, with a P/E ratio of 5 and revenue of $854.6M over the last twelve months.
Valuation
- Market cap
- $1.07B
- P/E ratio
- 5
- EPS, TTM
- $7.01
- Gekko Fair Value
- $35.80
Trading
- Volume
- 167,726
- Avg volume, 20 days
- 250,421
- 52-week high
- $36.50
- 52-week low
- $20.48
- Shares outstanding
- 29.73M
Financials
- Revenue, TTM
- $854.6M
- Profit margin
- 25.2%
- Return on equity
- 45.3%
- Quarterly earnings growth, YoY
- +32.3%
Risk and income
- Beta
- 0.92
- Typical daily move
- ±2.4%
- Typical 20-day move
- ±11.8%
Heritage Insurance stock news this week
Coverage of Heritage Insurance this week reads positive: 3 positive, 1 neutral and 0 negative headlines.
- (HRTG) Risk Channels and Responsive AllocationStock Traders Daily, Oct 9
- Truist reaffirmed Buy for Heritage Insurance stock at USD 42.00AD HOC NEWS, Oct 8
- Heritage Insurance shows strong Q2 growth and trades at a 30% discount, signaling upside potential.Pluang, Oct 8
- Heritage Insurance Holdings stock gets a USD 42 price targetAD HOC NEWS, Oct 5
Heritage Insurance peers
Heritage Insurance’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| BRK.ABerkshire Hathaway | Neutral | 0.1% above |
| BRK.BBerkshire Hathaway | Neutral | 1.2% below |
| CBChubb | Neutral | 1.8% below |
| TRVTravelers Companies | Neutral | 1.6% above |
| HIGHartford Insurance | Neutral | 7.1% below |
| MKLMarkel | Neutral | 3.3% below |
A peer links to its own page where one exists.
Heritage Insurance stock FAQ
What is Heritage Insurance’s market cap?
Heritage Insurance’s market cap is $1.07B at the Oct 12, 2026 close of $35.38, with 29.73M shares outstanding. The shares trade on a P/E ratio of 5.
What is the Heritage Insurance stock forecast?
The consensus analyst 12-month price target for Heritage Insurance is $39.00, +10.2% from the last close. Of the 2 firms that rated the stock in the last 90 days, 2 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Heritage Insurance stock overvalued or undervalued?
On Gekko’s estimate Heritage Insurance is about fair value: the Oct 12, 2026 close of $35.38 is 1.2% below Gekko Fair Value of $35.80. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Heritage Insurance report earnings next?
Heritage Insurance is expected to report on Nov 4, 2026 (23 days away). Analysts expect earnings of $0.77 per share on revenue of $217.1M. Heritage Insurance beat the earnings estimate in 8 of its last 8 reports, moving 10.5% on average across the report.
What is Heritage Insurance’s 52-week high and low?
Heritage Insurance’s 52-week high is $36.50 and its 52-week low is $20.48; it closed at $35.38 on Oct 12, 2026, +38.0% over the past year.
Is Heritage Insurance stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (trend and seasonality), 2 as mixed (gekkoindex and fair value) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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