What Is Heritage Insurance Holdings, In (HRTG) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Heritage Insurance Holdings, In at its current price of $27.50. The composite intrinsic value is estimated at $26.38 (-4.1% average return), with 7 models flagging overvaluation risk. The most optimistic model, ML-RIV, places fair value at $68.98 (+150.8%), while EPV — the most conservative — estimates $0.27 (-99.0%). This +249.9% gap reflects genuine analytical uncertainty about Heritage Insurance Holdings, In's intrinsic worth.
What Do the Models Say About HRTG?
11 of 13 models are currently active for HRTG. Of these, 3 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates HRTG's intrinsic value at $34.05, implying +23.8% upside from the current price. See which stocks rank higher →
How Does HRTG Rank in Fire, Marine & Casualty Insurance?
Among 51 Fire, Marine & Casualty Insurance stocks, HRTG ranks #36 by Quality of Company score. CirclFi's QOC score of 7.6/10 evaluates 32 fundamental signals. A score of 7.6 indicates above-average quality.
See all Most Undervalued Fire, Marine & Casualty Insurance Stocks →
Within the Fire, Marine & Casualty Insurance space, Heritage Insurance Holdings, In competes in an environment where combined ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is HRTG a Value Trap?
CirclFi's Value Trap algorithm assigns HRTG a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for Heritage Insurance Holdings, In. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Heritage Insurance Holdings, In is rated at 7.6/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +249.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HRTG valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HRTG's 11 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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