Profitability
Weight: 25%
B
71
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend +12.05 pp/yr
HRTG
Heritage Insurance Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D-
29
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 3.6%
- 5yr Share-Count CAGR 2.7%
Growth Quality
Weight: 10%
B-
67
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 2.4%
- 5yr EPS CAGR 91.1%
- Positive-EPS Years (5) 3/5
Cash Generation
Weight: 5%
A+
100
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.30x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 23.0%
- Interest Coverage (EBIT/Int) 33.87x
Stability
Weight: 10%
C
53
- EPS Volatility (σ/μ) 0.92
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 3 gurus held; 1 trimmed; 2 full exits.
- Holders
- 1 -2
- Avg Δ position
- -26.4%
- New buys
- 0
- Full exits
- 2