Intrinsic value of Heritage Insurance Holdings, Inc. (HRTG)

[per Chepakovich valuation model]

other valuations of HRTG

[per Chepakovich valuation model]  See other valuations of HRTG stock

Previous Close$7.16
Intrinsic Value
Upside potential
Previous Close
$7.16

VALUATION INPUT DATA

Revenue, mln $
Initial revenue growth rate (norm.), %
Variable cost ratio, %
Fixed operating expenses, mln $
Production assets / Revenue, %
Working capital / Revenue, %
Interest rate on debt, %
Life of production assets, yrs
Initial discount rate, %
Shares outstanding, mln
Adjusted equity ratio
Adjusted assets / Revenue
Based on fiscal year data as of 2020-12-31 and quarterly data as of 2021-03-31.
NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.
  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2020(a)2021202220232024202520262027202820292030203120322033203420352036203720382039204020412042204320442045

INCOME STATEMENT

Revenue growth rate, %16.1NaN
Revenue, $593NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m583NaN
Operating income, $m10NaN
EBITDA, $m25NaN
Interest expense (income), $mNaN
Earnings before tax, $m2NaN
Tax expense, $m-7NaN
Net income, $m9NaN

BALANCE SHEET

Cash and short-term investments, $m446NaN
Total assets, $m1520NaN
Adjusted assets (=assets-cash), $m1074NaN
Average production assets, $m244NaN
Working capital, $m-332NaN
Total debt, $m121NaN
Total liabilities, $m1078NaN
Total equity, $m442NaN
Debt-to-equity ratio0.274NaN
Adjusted equity ratio-0.004NaN

CASH FLOW

Net income, $m9NaN
Depreciation, amort., depletion, $m15NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m170NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-1NaN
Free cash flow, $m171NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-332
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN