OakChart

Heritage Insurance Holdings Inc

HRTGFinancial·Insurance - Property & Casualty·USA·Small·NYSE·Nov 11 • 3:59 PM ET

33.62+0.12 (0.36%)
2026-11-11 23:31 CET
Market cap
992.69 USD m
Revenue, TTM
861.41 USD m
Net income, TTM
215.99 USD m
Free cash flow, TTM
184.48 USD m
EPS diluted, TTM
7.11
P/E
4.73
Compare

Price

HRTG against its 20, 50 and 200-day averages
2050200beat
20.0025.0030.0035.00895K1.8MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26HRTGclose 33.6220-day 35.5550-day 34.84200-day 28.9633.6252w high52w low

11.2% under the 52-week high of 37.87 on 22 Oct 2026. 52-week low 20.48 on 3 Jun 2026. Last 15 sessions, 15.4% high to low

Volume 0.49× normal · the line is the 50-bar volume average

Profile

HRTG
52-week range, 76% of the way up
20.4837.87

Heritage Insurance Holdings, Inc. engages in the provision of personal and residential premium, property, and casualty insurance policies. It offers personal residential insurance for single-family homeowners and condominium owners, rental property insurance, and commercial residential insurance. The company was founded in August 2012 and is headquartered in Tampa, FL.

IndexRUT
Employees542
IPOMay 23, 2014
Beta1.00
ATR, 14d1.24
Rel volume0.49
Short float3.14%
Insider own19.64%
Inst own65.36%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap996.25M
Enterprise Value-
Income215.99M
Sales861.41M
Book/sh20.22
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-DateJun 13, 2022
Dividend Gr. 3/5Y- -
Payout0.00%
Employees542
IPOMay 23, 2014

Ratios

P/E4.73
Forward P/E6.56
PEG-
P/S1.16
P/B1.66
P/C-
P/FCF5.40
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio1.29
Debt/Eq0.15
LT Debt/Eq0.13
Option/ShortYes / Yes

Earnings

EPS (ttm)7.11
EPS next Y5.12
EPS next Q1.14
EPS this Y-3.68%
EPS next Y-15.81%
EPS next 5Y-8.60%
EPS past 3/5Y- 80.14%
Sales past 3/5Y8.55% 7.38%
EPS Y/Y TTM47.41%
Sales Y/Y TTM2.18%
EPS Q/Q5.61%
Sales Q/Q3.19%
EarningsOct 28 AMC
EPS/Sales Surpr.84.95% 0.87%

Ownership

Insider Own19.64%
Insider Trans-1.49%
Inst Own65.36%
Inst Trans2.13%
ROA13.19%
ROE41.68%
ROIC31.81%
Gross Margin-
Oper. Margin34.08%
Profit Margin25.07%
SMA20-5.44%
SMA50-3.51%
SMA20016.09%
Trades-

Technical

Shs Outstand29.63M
Shs Float23.81M
Short Float3.14%
Short Ratio2.90
Short Interest0.75M
52W High37.87 -11.22%
52W Low20.48 64.16%
Volatility4.51% 3.70%
ATR (14)1.24
RSI (14)41.26
Beta1.00
Rel Volume0.49
Avg Volume257.93K
Volume126,437

Performance

Perf Week-5.91%
Perf Month-7.15%
Perf Quarter1.05%
Perf Half Y52.68%
Perf YTD14.90%
Perf Year13.85%
Perf 3Y354.94%
Perf 5Y408.62%
Perf 10Y141.87%
Recom2.00
Target Price42.50
Prev Close33.50
Price33.62
Change %0.36%

Analyst ratings

latest 10 of 12
DateActionAnalystRating changeTargetImplied
Oct 16, 2026InitiatedRRaymond JamesMkt Perform
Aug 09, 2024UpgradePPiper SandlerNeutral → Overweight$9 → $13-61.3%
Mar 13, 2024DowngradeJJMP SecuritiesMkt Outperform → Mkt Perform
Feb 13, 2023DowngradePPiper SandlerOverweight → Neutral$4.30 → $2.20-93.5%
Apr 06, 2020UpgradePPiper SandlerNeutral → Overweight$12 → $15-55.4%
Nov 05, 2019DowngradeKKeefe BruyetteOutperform → Mkt Perform
Jul 16, 2019DowngradeSSandler O'NeillBuy → Hold$18 → $17-49.4%
Jan 22, 2018DowngradeJJMP SecuritiesMkt Outperform → Mkt Perform
Sep 23, 2016UpgradeSSandler O'NeillHold → Buy
Mar 04, 2016DowngradeSSandler O'NeillBuy → Hold

Peers

Mkt cap
TickerCompanyMkt cap
UVEUniversal Insurance Holdings Inc1.33B
HCIHCI Group Inc2.36B
AIIAmerican Integrity Insurance Group Inc576.30M
SLDESlide Insurance Holdings Inc3.05B
ACICAmerican Coastal Insurance Corp481.41M
OIGOrion180 Insurance Group Inc1.03B
HIPOHippo Holdings Inc974.62M
KINSKingstone Cos. Inc326.41M
PLMRPalomar Holdings Inc4.18B
ALLAllstate Corp64.88B

Insider trading

latest 14 of 74
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
JOHNS TIMOTHY ESee RemarksOct 19 '26Sale35.913,500125,68618,438Oct 21 05:04 PM
TIMOTHY JOHNSOfficerOct 19 '26Proposed Sale35.773,500125,195Oct 19 04:24 PM
JOHNS TIMOTHY ESee RemarksSep 18 '26Sale34.743,500121,57921,938Sep 22 04:57 PM
TIMOTHY JOHNSOfficerSep 18 '26Proposed Sale35.423,500123,970Sep 18 04:19 PM
Garateix Ernie JChief Executive OfficerSep 14 '26Sale35.252,50088,1351,035,955Sep 16 04:58 PM
ERNESTO J GARATEIXOfficerSep 14 '26Proposed Sale35.252,50088,135Sep 14 04:36 PM
Binnun SharonChief Accounting OfficerSep 09 '26Sale33.816,565221,99580,623Sep 11 05:19 PM
SHARON ANN BINNUNOfficerSep 09 '26Proposed Sale33.826,565221,995Sep 09 04:25 PM
Garateix Ernie JChief Executive OfficerSep 03 '26Sale35.102,50087,7501,038,455Sep 08 05:20 PM
Binnun SharonChief Accounting OfficerSep 01 '26Sale33.919,200311,99487,188Sep 03 04:54 PM
ERNESTO J GARATEIXOfficerSep 03 '26Proposed Sale35.102,50087,750Sep 03 04:01 PM
SHARON BINNUNOfficerSep 01 '26Proposed Sale33.629,200309,304Sep 01 04:35 PM
Garateix Ernie JChief Executive OfficerAug 24 '26Sale34.8810,000348,7501,040,955Aug 26 05:00 PM
ERNESTO J GARATEIXOfficerAug 24 '26Proposed Sale34.8810,000348,750Aug 24 05:09 PM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
FESMFidelity Enhanced Small Cap Core ETFAUM: 6.82B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 200
  • Heritage Insurance Crushes Estimates On Reinsurance Savings, But Florida Commercial Erosion And Delayed Premium Inflection Cloud The Top Line (Earnings Whispers)
  • Heritage Insurance: Q3 Earnings Snapshot (Associated Press)
  • Heritage Reports Third Quarter 2026 Results (PR Newswire)
  • Heritage Faces A Tougher Quarter As Reserve-Release Tailwind Fades And Growth Gets Tested (Earnings Whispers)
  • Heritage Announces Third Quarter 2026 Earnings Dates (PR Newswire)
  • Heritage to Present at Sidoti Small Cap Conference (PR Newswire)
  • Heritage Insurance: Q2 Earnings Snapshot (Associated Press) +16.47%
  • Heritage Reports Second Quarter 2026 Results (PR Newswire)
  • Heritage Announces Second Quarter 2026 Earnings Dates (PR Newswire) +5.86%
  • Heritage Announces Full Placement of 2026-2027 CAT XOL Reinsurance Program (PR Newswire)
  • Heritage Insurance: Q1 Earnings Snapshot (Associated Press) -20.05%
  • Heritage Reports First Quarter 2026 Results (PR Newswire)
  • Heritage Announces First Quarter 2026 Earnings Dates (PR Newswire)
  • Heritage to Present at the Sidoti Small Cap Virtual Conference (PR Newswire) +5.00%

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-281.7200.9301.720219.24217.344
2026Q22026-08-052.0501.2472.052214.2212.713
2026Q12026-05-071.1901.5301.187212.66215.393
2025Q42026-03-092.1501.7372.154215.32212.63
2025Q32025-11-051.5600.8071.625212.46210.123
2025Q22025-08-051.5501.0101.546208.04212.123
2025Q12025-05-060.9900.4470.991211.52213.683
2024Q42025-03-110.6600.5600.660210.26199.873
2024Q32024-11-060.2700.0600.265211.85209.913
2024Q22024-08-060.6100.3700.615203.57196.813
2024Q12024-05-010.4700.5900.467191.3189.053
2023Q42024-03-111.1500.4571.151186.97185.113
2023Q32023-11-02-0.280-0.213-0.278186.3176.113
2023Q22023-08-080.3200.0830.304185.31168.533
2023Q12023-05-040.5500.1070.547176.92165.813
2022Q42023-03-020.480-0.1600.484174.59168.323

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.5300.765-0.042406.62404.87
2018FY1.0400.8811.041480.17483.13
2019FY0.9800.8390.980511.31495.45
2020FY-0.303-0.6020.333593.39580.4
2021FY-0.510-0.758-2.688631.56630.17
2022FY-2.410-3.023-5.860662.46645.82
2023FY1.7300.9931.726735.5733.64
2024FY2.0101.9032.008816.99806.59
2025FY6.3205.8206.320847.33844.62
2026FY-6.088--861.17
2027FY-5.125--857.19
2028FY-4.825--862.44

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-30311215.08213.97216.04
2026Q4S2026-10-29301213.58211.54215.23
2026Q4S2026-10-28300215.68211.54218.28
2026Q4S2026-10-21300215.68211.54218.28
2026Q4S2026-10-14301215.68211.54218.28
2026Q4S2026-08-07201217.75217.23218.28
2026Q4S2026-08-06200219.35218.28220.42
2026Q4S2026-07-22200218.89217.35220.42
2026Q4S2026-05-08202218.89217.35220.42
2026Q4S2026-03-09202228.92226.21231.64
2026Q4S2026-01-20200234.06233.78234.34
2026Q4S2025-11-11210234.06233.78234.34
2026Q4S2025-11-10210234.06233.78234.34
2026Q4S2025-11-09210234.06233.78234.34

Estimate history

EPS, annual-0.0421.0410.980.333-2.688-5.861.7262.0086.327.1088
Period201720182019202020212022202320242025TTM
EPS, quarterly0.2650.660.9911.5461.6252.1541.1872.0521.716
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual406.623480.171511.305593.385631.561662.46737.734817.737847.33861.41
Period201720182019202020212022202320242025TTM
Sales, quarterly211.845211.02211.52208.035212.459215.316212.658214.195219.241
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual25.88529.47828.65127.74926.75425.53930.21930.60730.60729.632
Period201720182019202020212022202320242025MRQ
Shares, quarterly30.68430.60730.99331.01830.91130.60730.33529.73229.632
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue861.41847.33817.74737.73662.46631.56593.38511.31480.17
Losses, Claims & Reserves297.50313.25447.05426.13501.16427.37373.39273.29237.43
Selling, General and Administrative Incl. Other270.34266.93276.33245.39225.45211.75209.81188.45173.21
Operating Income before Interest Expense293.58267.1594.3666.22-64.15-7.5610.1849.5769.54
Interest Expense6.717.8910.9311.218.817.977.978.5220.02
Unusual Expense-0.000.753.0091.9660.50--9.80
Net Income Before Taxes286.86259.2682.6852.01-166.17-76.032.2141.0038.99
Income Taxes70.8763.6721.146.70-11.81-1.31-7.1112.3611.84
Consolidated Net Income215.99195.5961.5445.31-154.36-74.739.3328.6427.16
Net Income From Continuing Operations215.99195.5961.5445.31-154.36-74.739.3328.6427.16
Net Income215.99195.5961.5445.31-154.36-74.739.3328.6427.16
EPS (Recurring)7.256.322.021.81-3.42-1.160.330.981.30
EPS (Basic, Before Extraordinaries)7.126.332.011.73-5.86-2.690.330.981.05
EPS (Diluted)7.116.322.011.73-5.86-2.690.330.981.04
Non-Operating Income (Expense)0.000.000.000.000.000.000.00-0.05-0.73
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense5.204.262.572.461.590.853.433.934.17
Price To Earnings Ratio4.714.714.846.17--30.9313.4814.36
Price To Sales Ratio1.151.070.450.230.070.260.480.760.80
Operating Margin34.0831.5311.548.98-9.68-1.201.729.6914.48
Net Margin25.0723.087.536.14-23.30-11.831.575.605.66
Shares Outstanding29.6330.6130.6130.2225.5426.7527.7528.6529.48
Market Capitalization992.69992.69371.28196.0446.58163.94284.24391.33391.57
Operating Income after Interest Expense-259.2683.4355.01-72.96-15.532.2141.0449.52
Reserves Increase (Decrease)-0.000.000.000.000.000.000.000.00

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue219.24214.19212.66215.32212.46208.03211.52211.02
Losses, Claims & Reserves81.3961.0691.6063.4574.7775.6299.41109.06
Selling, General and Administrative Incl. Other68.6269.2970.2462.1967.5367.5569.6869.68
Operating Income before Interest Expense69.2383.8550.8289.6870.1764.8742.4432.27
Interest Expense1.511.691.781.731.851.882.432.57
Operating Income after Interest Expense67.7282.1649.0487.9568.3262.9940.0129.70
Unusual Expense-------0.76
Net Income Before Taxes67.7282.1649.0487.9568.3262.9940.0128.95
Income Taxes16.5920.4512.5621.2717.8914.979.548.66
Consolidated Net Income51.1261.7136.4866.6750.4248.0230.4720.29
Net Income From Continuing Operations51.1261.7136.4866.6750.4248.0230.4720.29
Net Income51.1261.7136.4866.6750.4248.0230.4720.29
EPS (Recurring)1.722.051.192.151.631.550.990.68
EPS (Basic, Before Extraordinaries)1.722.061.192.161.631.550.990.66
EPS (Diluted)1.722.051.192.151.631.550.990.66
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.111.330.780.980.981.301.000.79
Price To Earnings Ratio4.714.004.166.077.279.857.184.84
Price To Sales Ratio1.150.920.951.070.930.920.530.45
Operating Margin31.5839.1523.9041.6533.0331.1820.0615.29
Net Margin23.3228.8117.1630.9723.7323.0814.419.62
Shares Outstanding29.6329.7330.3330.6130.9131.0230.9930.61
Market Capitalization992.69791.53806.42904.47781.02772.97441.37371.28

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Total Cash572.58463.64473.34287.57364.75446.38283.01262.37174.53
Investments715.59663.44569.41653.57694.70589.02595.25526.11567.01
Premium Balance Receivables - Insurance95.33102.1389.4992.7571.9277.4763.6957.0067.76
Net Property, Plant & Equipment45.7359.0157.6653.2045.1825.1527.4018.0018.75
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Deferred Tax Assets32.1938.5139.1855.9934.8031.6127.2531.9532.73
Other Intangible Assets135.11116.81141.91176.64268.94350.50317.32354.24358.04
Total Assets1,596.531,443.551,370.991,319.711,480.301,520.141,313.911,249.661,218.82
Insurance Policy Liabilities - Insurance680.94710.57769.12745.69710.23697.23500.72434.07514.72
Total Debt99.81141.34148.19160.19151.93129.15137.62148.79184.41
Long Term Debt91.10107.38148.19126.47148.11121.35127.95141.02182.19
Provision for Risks Charges0.000.000.000.000.000.000.000.001.21
Deferred Tax Liabilities26.3424.6328.0739.1544.2350.0939.8739.6667.07
Other Liabilities284.19276.21205.32243.65230.86201.32186.91201.8171.61
Total Liabilities1,091.281,152.751,150.711,188.671,137.251,077.79865.11824.33839.01
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity505.25290.80220.28131.04343.05442.34448.80425.33379.82
Total Shareholders Equity505.25290.80220.28131.04343.05442.34448.80425.33379.82
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity505.25290.80220.28131.04343.05442.34448.80425.33379.82
Total Liabilities & Stockholders Equity1,596.531,443.551,370.991,319.711,480.301,520.141,313.911,249.661,218.82
Book Value Per Share16.519.507.295.1312.8215.9415.6614.4314.67
Tangible Book Value Per Share15.528.315.883.197.298.207.956.654.86
Full-Time Employees542540566612648641530447431
Price to Book Ratio1.661.331.150.400.460.640.851.021.40
Return on Assets12.874.313.37-11.03-4.980.662.232.20-0.10
Return on Equity49.1424.0825.79-65.12-19.032.096.556.75-0.30
Return on Invested Capital32.8015.4612.30-59.94-15.211.654.974.79-0.20
Current Ratio1.421.091.180.850.891.201.101.181.38

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations233.72213.2968.4754.94-59.22-4.5512.7746.2361.07
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-43.74-31.0618.6215.4824.9664.68157.4473.4234.36
Cash from Operating Activities189.98182.2487.0970.42-34.2660.13170.21119.6695.43
Capital Expenditures-5.49-8.07-8.23-9.89-12.38-1.01-0.76-4.98-2.28
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.273.180.000.000.000.000.000.000.00
Purchase or Sale of Investments-166.24-27.78-83.37110.70-25.48-123.4722.82-48.9626.65
Purchase of Investments-415.24-344.67-287.24-230.90-135.00-334.58-470.50-256.88-218.67
Sale Or Maturity of Investments249.00316.88203.87341.59109.52211.11493.32207.92245.31
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.360.00
Cash from Investing Activities-171.46-32.67-91.60100.81-37.86-124.4822.06-53.5924.36
Cash Dividends Paid0.000.000.00-0.01-4.77-6.71-6.85-6.96-6.38
Change in Capital Stock-26.25-2.28-0.0024.67-7.34-8.19-10.00-16.18-2.00
Repurchase of Common Pref Stock-26.25-2.28-0.000.00-7.34-8.19-10.00-16.18-2.00
Sale of Common Pref Stock0.000.000.0024.670.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.0024.670.000.000.000.000.00
Issuance or Reduction of Debt, Net-9.40-36.05-4.27-9.687.15-2.15-9.66-18.77-21.73
Change in Long Term Debt-9.40-36.05-4.27-9.687.15-2.15-9.66-18.77-21.73
Issuance of Long Term Debt0.000.005.500.0035.002.780.000.00110.77
Reduction of Long Term Debt-9.40-36.05-9.77-9.68-27.85-4.93-9.66-18.77-132.50
Net Financing Active Other Cash Flow-11.21-2.30-0.92-0.43-0.09-0.23-2.38-3.52-1.84
Other Financing Activities Uses-11.21-2.30-0.97-0.43-0.09-0.23-2.38-3.52-1.84
Cash from Financing Activities-46.86-40.63-5.1914.55-5.06-17.28-28.90-45.43-31.95
Net Change in Cash-28.34108.94-9.69185.77-77.18-81.63163.3820.6487.84
Free Cash Flow184.48174.1678.8660.52-39.7659.12169.46114.6793.15
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow5.355.204.702.83-3.121.743.604.43

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Total Cash545.38601.38533.29572.58573.73486.93
Investments854.66803.99753.72715.59702.34671.33
Net Property, Plant & Equipment43.0345.1746.7545.7346.0158.02
Investment in Unconsolidated Affiliates0.000.000.000.000.840.00
Deferred Tax Assets40.1632.8031.8632.1934.7337.24
Other Intangible Assets113.84135.99131.86135.11143.81155.07
Total Assets1,685.001,713.361,591.461,596.531,588.991,508.31
Insurance Policy Liabilities - Insurance592.18481.15820.14680.94603.72439.69
Total Debt90.1291.8399.0599.81101.66115.49
Long Term Debt79.8987.7592.8991.1083.56108.05
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities25.0326.7926.2726.3427.1625.89
Other Liabilities378.53545.86125.63284.19419.20543.94
Total Liabilities1,085.861,145.631,071.091,091.281,151.741,125.01
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity599.14567.73520.37505.25437.25383.30
Total Shareholders Equity599.14567.73520.37505.25437.25383.30
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity599.14567.73520.37505.25437.25383.30
Total Liabilities & Stockholders Equity1,685.001,713.361,591.461,596.531,588.991,508.31
Book Value Per Share20.2219.0917.1516.5114.1512.36
Tangible Book Value Per Share19.3518.1816.2115.5213.1211.28
Full-Time Employees---542--
Price to Book Ratio1.661.521.592.072.042.35
Return on Assets13.1913.3713.2612.879.456.89
Return on Equity41.6845.2747.4749.1441.6433.49
Return on Invested Capital7.539.415.9511.189.689.77
Current Ratio1.291.141.791.421.100.96

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations51.3466.0641.8774.4552.3961.98
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-41.7375.63-17.01-60.6471.92-18.69
Cash from Operating Activities9.62141.6924.8613.81124.3043.29
Capital Expenditures-0.16-0.66-1.82-2.86-1.58-1.53
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.00-0.020.020.272.900.02
Purchase or Sale of Investments-62.85-51.91-42.50-8.98-25.678.24
Purchase of Investments-119.25-84.28-77.17-134.54-123.78-64.23
Sale Or Maturity of Investments56.3932.3834.67125.5698.1172.47
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-63.01-52.58-44.30-11.57-24.366.72
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.66-14.58-10.010.00-2.280.00
Repurchase of Common Pref Stock-1.66-14.58-10.010.00-2.280.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-0.94-6.44-0.94-1.09-10.87-2.45
Change in Long Term Debt-0.94-6.44-0.94-1.09-10.87-2.45
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt-0.94-6.44-0.94-1.09-10.87-2.45
Net Financing Active Other Cash Flow0.000.00-8.91-2.300.000.00
Other Financing Activities Uses0.000.00-8.91-2.300.000.00
Cash from Financing Activities-2.60-21.02-19.85-3.38-13.15-2.45
Net Change in Cash-55.9968.09-39.29-1.1486.7947.57
Free Cash Flow9.46141.0323.0510.95122.7241.76
Price to Free Cash Flow5.352.634.075.207.47-

Revenue breakdown

Fire, Marine & Casualty Insurance2024: 816.99M 2025: 847.33M
United States2024: 816.99M 2025: 847.33M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.14%0.7M23.8M279.96K
2026-10-153.29%0.8M23.9M286.93K
2026-09-303.29%0.8M23.9M298.04K
2026-09-153.61%0.9M23.6M336.13K
2026-08-313.38%0.8M23.7M372.85K
2026-08-142.79%0.7M23.7M413.00K
2026-07-313.09%0.7M24.1M444.78K
2026-07-153.81%0.9M24.1M453.10K
2026-06-304.07%1.0M24.1M447.24K
2026-06-153.97%1.0M24.1M396.41K
2026-05-294.20%1.0M24.2M378.49K
2026-05-154.55%1.1M24.3M374.38K
2026-04-304.50%1.1M24.6M316.25K
2026-04-154.19%1.0M24.6M301.18K
2026-03-315.98%1.5M24.4M324.94K
2026-03-136.17%1.5M24.4M322.16K
2026-02-275.27%1.3M24.6M315.61K
2026-02-134.59%1.1M24.6M330.47K
2026-01-305.06%1.2M24.6M369.87K
2026-01-155.51%1.4M24.6M389.92K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call17.5014.1018.300.005.1560.000.000.919-0.1700.008
call20.0011.6015.400.004.0010.000.000.903-0.1630.009
call22.509.7012.600.003.0940.000.000.850-0.2320.012
call25.006.909.900.002.3740.000.000.819-0.2160.014
call30.003.504.903.771.37210.001.000.717-0.1680.018
call35.000.250.650.200.56829011.000.397-0.0910.020
call40.000.000.250.050.8333242.000.102-0.0440.009
call45.000.000.500.401.2201.000.000.075-0.0510.007
call50.000.000.950.001.5400.000.000.063-0.0560.006
put17.500.002.150.003.8050.000.00-0.081-0.1680.008
put20.000.000.950.053.1811.000.00-0.097-0.1610.009
put22.500.002.150.003.3300.000.00-0.150-0.2290.012
put25.000.002.150.052.73814.000.00-0.181-0.2130.014
put30.000.001.750.151.6544.000.00-0.283-0.1640.018
put35.000.703.500.881.3044.000.00-0.603-0.0870.020
put40.005.008.000.001.7880.000.00-0.898-0.0400.009
put45.009.6012.700.002.1410.000.00-0.925-0.0460.007
put50.0014.6018.300.002.9330.000.00-0.937-0.0510.006

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-288-KCurrent report2026-10-28SEC
2026-10-214Statement of changes in beneficial ownership of securities2026-10-19SEC
2026-10-19144Filing for proposed sale of securities under Rule 144.SEC
2026-09-25SCHEDULE 13G/ASEC
2026-09-224Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-18144Filing for proposed sale of securities under Rule 144.SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-14144Filing for proposed sale of securities under Rule 144.SEC
2026-09-114Statement of changes in beneficial ownership of securities2026-09-09SEC
2026-09-09144Filing for proposed sale of securities under Rule 144.SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-09-03144Filing for proposed sale of securities under Rule 144.SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-01144Filing for proposed sale of securities under Rule 144.SEC
2026-08-264Statement of changes in beneficial ownership of securities2026-08-24SEC
2026-08-24144Filing for proposed sale of securities under Rule 144.SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-19144Filing for proposed sale of securities under Rule 144.SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-18144Filing for proposed sale of securities under Rule 144.SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-124Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-10144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-03SEC
2026-08-058-KCurrent report2026-08-05SEC
2026-08-03144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-1000125.69K1
2026-0900831.45K5
2026-08001.92M7
2026-0700244.49K1
2026-0600224.10K1
2026-05376.95K1266.75K1
2026-04001.77M4
2026-03001.21M3
2026-0200201.00K1
2026-0100216.92K1
2025-1200907.32K5
2025-11002.77M7

Institutional holders

Manager% owned
BlackRock, Inc.7.69%
DIMENSIONAL FUND ADVISORS LP4.46%
AMERICAN CENTURY COMPANIES INC3.52%
VANGUARD CAPITAL MANAGEMENT LLC3.34%
VANGUARD PORTFOLIO MANAGEMENT LLC3.13%
GEODE CAPITAL MANAGEMENT, LLC2.06%
STATE STREET CORP1.86%
Connor, Clark & Lunn Investment Management Ltd.1.67%
Pacific Ridge Capital Partners, LLC1.65%
JANE STREET GROUP, LLC1.57%

Funds

Fund% owned
Avantis U.S. Small Cap Value ETF3.25%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.41%
iShares Russell 2000 ETF2.18%
Fidelity Small Cap Index Fund0.89%
VANGUARD EXTENDED MARKET INDEX FUND0.86%
VANGUARD EXPLORER FUND0.85%
U.S. Targeted Value Portfolio0.83%
iShares Russell 2000 Value ETF0.77%
Nuveen Quant Small Cap Equity Fund0.77%
VANGUARD STRATEGIC SMALL-CAP EQUITY FUND0.75%

OakChart. HRTG. Cached 15 minutes.