Profitability
Weight: 25%
B
73
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 39.4%
- Loss Ratio Trend +0.91 pp/yr
HRTG
Heritage Insurance Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
11
- 5yr Avg ROE -11.8%
- 5yr Share-Count CAGR 2.0%
Growth Quality
Weight: 10%
B-
64
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 7.8%
- Loss Ratio Trend (growth quality check) +0.91 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
A-
86
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 1.7%
- Loss Ratio Stability (σ) 0.12
Balance Sheet
Weight: 25%
A+
99
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.57x
- Interest Coverage (EBIT/Int) 33.87x
Stability
Weight: 10%
C-
50
- EPS Volatility (σ/μ) 0.92
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 added; 1 full exit.
- Holders
- 2 +1
- Avg Δ position
- —
- New buys
- 0
- Full exits
- 1