Heritage Insurance Holdings, Inc. (HRTG)
Fire, Marine & Casualty Insurance · Financial Services · $700M
Intrinsic Value (Consensus)
$69.11
Current Price
$23.07
Margin of Safety
+199.6%
199.6% Below Intrinsic Value
Value: $69
Price: $23
Valuation Model Estimates
Current Price: $23.07
DCF (Discounted Cash Flow)
$269.24
Graham Number
$48.67
Earnings Power Value
$61.36
Relative Value (P/E)
$126.40
Dividend Discount Model
$40.00
Consensus Value
$69.11
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
93
Profitability
25/25
Strength
24/25
Valuation
22/25
Growth
22/25
Financial Health Signals
Strong profitability — ROE of 39% (above 20% is excellent)
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (24.9%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $6.32
- EPS (Forward)
- $7.58
- Book Value
- $16.66
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 38.7%
- Debt/Equity
- 16%
- Revenue Growth
- 298.8%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.1%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance