HRTG
Heritage Insurance Holdings, Inc. Financial Services - Insurance - Property & Casualty Investor Relations →
Heritage Insurance Holdings, Inc. (HRTG) closed at $26.54 as of 2026-02-02, trading 153.1% above its 200-week moving average of $10.49. The stock moved further from the line this week, up from 151.0% last week. The 14-week RSI sits at 56, indicating neutral momentum.
Over the past 563 weeks of data, HRTG has crossed below its 200-week moving average 13 times. On average, these episodes lasted 28 weeks. The average one-year return after crossing below was -5.3%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $823 million, HRTG is a small-cap stock. The company generates a free cash flow yield of 5.9%, which is healthy. Return on equity stands at 41.6%, indicating strong profitability. The stock trades at 1.8x book value.
Share count has increased 14.4% over three years, indicating dilution. HRTG passes our Buffett quality screen: high return on equity, low debt, and positive free cash flow. This stock also meets the Yartseva multibagger criteria as a small-cap with strong free cash flow yield and reasonable book value.
Over the past 10.9 years, a hypothetical investment of $100 in HRTG would have grown to $150, compared to $397 for the S&P 500. HRTG has returned 3.8% annualized vs 13.5% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 10.1% compound annual rate, with 2 consecutive years of positive cash generation.
Growth of $100: HRTG vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After HRTG Crosses Below the Line?
Across 13 historical episodes, buying HRTG when it crossed below its 200-week moving average produced an average return of -6.0% after 12 months (median -13.0%), compared to +16.4% for the S&P 500 over the same periods. 8% of those episodes were profitable after one year. After 24 months, the average return was -2.7% vs +40.1% for the index.
Each line shows $100 invested at the moment HRTG crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
HRTG has crossed below its 200-week MA 13 times with an average 1-year return of +-5.3% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 2015 | Sep 2015 | 4 | 6.0% | -29.4% | +67.4% |
| Jan 2016 | Feb 2016 | 4 | 1.3% | -16.0% | +63.3% |
| Feb 2016 | Oct 2017 | 86 | 41.8% | -5.7% | +87.5% |
| Mar 2018 | May 2018 | 7 | 5.6% | -6.3% | +88.3% |
| Jun 2018 | Jun 2018 | 1 | 0.2% | -2.4% | +83.2% |
| Jul 2018 | Oct 2018 | 13 | 17.6% | -5.8% | +96.3% |
| Nov 2018 | Nov 2018 | 1 | 1.0% | -10.2% | +85.2% |
| Dec 2018 | May 2019 | 23 | 13.0% | -10.8% | +94.2% |
| May 2019 | Jun 2019 | 1 | 2.8% | -12.7% | +99.0% |
| Jul 2019 | Sep 2019 | 8 | 11.1% | -9.8% | +105.9% |
| Sep 2019 | Oct 2019 | 4 | 5.5% | -27.2% | +101.4% |
| Nov 2019 | Oct 2023 | 207 | 84.9% | -25.2% | +106.2% |
| Dec 2023 | Feb 2024 | 10 | 9.4% | +93.2% | +307.7% |
| Average | 28 | — | +-5.3% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02