SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Heritage Insurance Holdings, Inc. (HRTG) trades at a trailing P/E of 4.2, forward P/E of 5.8. Trailing earnings yield is 23.63%, forward earnings yield 17.33%. PEG 0.02 (Peter Lynch undervalued ≤1.0). Graham Number is $48.26.
Criteria proven by this page:
- VALUE (98/100, Pass) — P/E is below market average (4.2); PEG ≤ 1.0 — Peter Lynch undervalued (0.02); analyst target implies upside (+47.9%); earnings yield beats bond yields (23.63%).
- PEG Ratio 0.02 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 23.63% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
- Analyst consensus target $39.00 (+47.9% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 79/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
98/100
Price-to-Earnings & upside
Proven by this page
✓
HEALTH
100/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — HRTG
Valuation Multiples
P/E (TTM)4.2
Forward P/E5.8
PEG Ratio0.02
Forward PEG0.93
P/B Ratio1.64
P/S Ratio0.98
EV/EBITDA1.3
Per Share Data
EPS (TTM)$6.33
Forward EPS (Est.)$4.57
Book Value / Share$16.35
Revenue / Share$27.42
FCF / Share$5.71
Yields & Fair Value
Earnings Yield23.63%
Forward Earnings Yield17.33%
Dividend Yield0.00%
Graham Number$48.26
SharesGrow IV$-34.82 (-232%)
Analyst Target$39.00 (+47.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
13.7 |
-0.22 |
1.30 |
1.06 |
1.47% |
| 2017 |
-431.6 |
4.16 |
1.27 |
1.19 |
1.71% |
| 2018 |
14.1 |
-0.01 |
0.90 |
0.80 |
1.67% |
| 2019 |
13.5 |
-2.03 |
0.86 |
0.76 |
1.80% |
| 2020 |
30.4 |
-0.46 |
0.64 |
0.48 |
2.42% |
| 2021 |
-2.2 |
0.00 |
0.48 |
0.26 |
4.10% |
| 2022 |
-0.3 |
0.00 |
0.36 |
0.07 |
10.06% |
| 2023 |
3.8 |
-0.03 |
0.78 |
0.23 |
0.01% |
| 2024 |
6.0 |
0.37 |
1.27 |
0.45 |
0.01% |
| 2025 |
4.6 |
0.02 |
1.79 |
1.07 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.14 |
$438.96M |
$33.87M |
7.7% |
| 2017 |
$-0.04 |
$406.62M |
$-1.12M |
-0.3% |
| 2018 |
$1.04 |
$480.17M |
$27.16M |
5.7% |
| 2019 |
$0.98 |
$511.31M |
$28.64M |
5.6% |
| 2020 |
$0.33 |
$593.39M |
$9.33M |
1.6% |
| 2021 |
$-2.69 |
$631.56M |
$-74.73M |
-11.8% |
| 2022 |
$-5.86 |
$662.46M |
$-154.36M |
-23.3% |
| 2023 |
$1.73 |
$737.73M |
$45.31M |
6.1% |
| 2024 |
$2.01 |
$817.74M |
$61.54M |
7.5% |
| 2025 |
$6.32 |
$847.33M |
$195.59M |
23.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$4.57 |
$4.28 – $4.86 |
$887.81M |
$885.84M – $889.78M |
2 |
| 2027 |
$4.85 |
$4.34 – $5.35 |
$947.71M |
$945.6M – $949.81M |
2 |
