Heritage Insurance Holdings, Inc.
Financial ServicesNYSE:HRTG · New York Stock Exchange
+$0.13 today
Vol 0.18M · Avg 0.40M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Return Metrics
ROE, ROIC & ROA over time
ROE
38.7%
avg -0.8%
ROIC
32.3%
avg 4.4%
ROA
8.9%
avg 1.9%
Analysis
ROE is currently the strongest return metric at 38.7% versus its period average of -0.8%. 3 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Ernesto Jose Garateix CPCU | Chief Executive Officer & Director | $2.58M | — | 54 | $1.06M | 3.50% |
Kirk Howard Lusk | CFO, Company Secretary & Treasurer | $1.66M | — | 65 | $502,522.00 | 1.66% |
Stephen Lowell Rohde | Advisory | $959,406.00 | — | 75 | $22,996.00 | 0.08% |
Timothy Michael Moura | President of Narragansett Bay Insurance Company | $904,239.00 | — | 53 | $176,370.00 | 0.58% |
Sharon Ann Binnun | Chief Accounting Officer | $588,612.00 | — | 64 | $123,988.00 | 0.41% |
Timothy E. Johns | President of Zephyr Insurance Company | $454,445.00 | — | 69 | $176,370.00 | 0.58% |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
3
$428,197.50
Sells
46
$15.01M
Net Sentiment
$14.58M
Net selling
Most Active
Garateix Ernie J
22 transactions
1–10 of 49
Analysis
Insiders reported 3 buys worth $428,197.50 and 46 sells worth $15.01M over the last 12 months. That adds up to net selling of $14.58M. Garateix Ernie J was the most active insider with 22 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | -1.1% | +13.7% (11yr)2 analysts |
| Revenue | N/A | N/A | +64.4% | +6.7% (11yr)1 analysts |
| Net Income | N/A | N/A | -0.3% | +13.7% (11yr)1 analysts |
| EBIT | N/A | N/A | +0.6% | +23.5% (11yr)1 analysts |
Analysis
Recent growth has been strongest in Revenue at +64.4% over three years. Forward estimates point to EBIT at +23.5% (11yr), giving you a quick check on whether expectations are accelerating or cooling.
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Who manages HRTG?
Heritage Insurance Holdings, Inc. (HRTG) lists 6 active executives. The top listed executive is Kirk Howard Lusk, CFO, Company Secretary & Treasurer.
Are HRTG insiders buying or selling?
Recent insider activity shows net selling of $24.69M.
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