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Heritage Insurance Holdings, Inc. (HRTG) Total Return Calculator with Dividends Reinvested

Heritage Insurance Holdings, Inc.

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The total return for Heritage Insurance Holdings, Inc. (HRTG) stock is +15.35% over the past 12 months. So far it's up 2.75% this year. The 5-year total return is +201.38%, meaning $10,000 invested in HRTG stock 5 years ago would be worth $30,138 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in HRTG 1 year ago, it would be worth $10,924 today — you'd have gained $924.

With Dividends Reinvested$10,924+9.24%

Price Only (No DRIP)$10,924+9.24%

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in HRTG

1Y$11,535+$1,535 (+15.3%)15.3% CAGR

3Y$68,533+$58,533 (+585.3%)89.9% CAGR

5Y$30,138+$20,138 (+201.4%)24.7% CAGR

10Y$21,939+$11,939 (+119.4%)8.2% CAGR

15Y$25,765+$15,765 (+157.7%)6.5% CAGR

20Y$25,765+$15,765 (+157.7%)4.8% CAGR

30Y$25,765+$15,765 (+157.7%)3.2% CAGR

Heritage Insurance Holdings, Inc. did not pay dividends during this period. Total return = price return.

Loading HRTG total return...

As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+2.75%	—	+2.75%	—	$10,275
1Y	+15.35%	15.35%	+15.35%	—	$11,535
3Y	+585.33%	89.95%	+585.33%	—	$68,533
5Y	+201.38%	24.69%	+198.19%	+3.19 pp	$30,138
10Y	+119.39%	8.17%	+108.25%	+11.14 pp	$21,939
15Y	+157.65%	6.51%	+143.74%	+13.91 pp	$25,765
20Y	+157.65%	4.85%	+143.74%	+13.91 pp	$25,765
30Y	+157.65%	3.21%	+143.74%	+13.91 pp	$25,765

Risk & Highlights

Best Year+252.43%2023

Worst Year-67.40%2022

Max Drawdown-26.90%2025-05-09 → 2025-08-06 · Recovered 2025-09-19

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+2.16%	+2.16%	—	+0.41%	+1.8pp
2025	+139.44%	+139.44%	—	+16.64%	+122.8pp
2024	+87.89%	+87.89%	—	+24.00%	+63.9pp
2023	+252.43%	+252.43%	—	+24.81%	+227.6pp
2022	-67.40%	-69.44%	+2.0pp	-19.95%	-47.5pp

HRTG underperformed the S&P 500 by 15.02pp over the past year (+15.35% vs +30.37%).

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HRTG Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
HRTGHeritage Insurance Holdings, Inc.	$861M	+5.5%	+2.7%	+15.3%	—	+585.3%	+201.4%	+119.4%
UPCUniverse Pharmaceuticals Inc.	$2M	+4.2%	-27.9%	-41.1%	—	-99.9%	-100.0%	-100.0%
HCIHCI Group, Inc.	$2.0B	-1.1%	-16.7%	+2.4%	+1.1pp	+209.6%	+105.3%	+436.8%
PLMRPalomar Holdings, Inc.	$3.0B	-9.2%	-13.8%	-27.6%	—	+124.0%	+68.0%	+498.1%
NODKNI Holdings, Inc.	$267M	+1.7%	-2.6%	+4.3%	—	-2.7%	-30.8%	-12.4%
ACGLArch Capital Group Ltd.	$33.7B	-2.5%	+0.7%	+2.0%	—	+30.7%	+144.0%	+324.0%
RLIRLI Corp.	$4.6B	-14.1%	-20.3%	-29.3%	+3.6pp	-18.2%	+9.3%	+105.0%
RNRRenaissanceRe Holdings Ltd.	$13.0B	-0.6%	+10.6%	+21.9%	+0.6pp	+45.7%	+87.1%	+176.9%
VRSKVerisk Analytics, Inc.	$22.9B	-3.5%	-20.7%	-43.0%	+0.6pp	-14.5%	+1.8%	+137.1%
IIIVi3 Verticals, Inc.	$506M	+1.8%	-9.3%	-13.8%	—	-2.5%	-27.6%	+24.9%
FAFFirst American Financial Corporation	$7.1B	+14.7%	+15.1%	+17.8%	+3.6pp	+30.7%	+20.7%	+138.4%

Compare:HRTG vs UPC HRTG vs HCI HRTG vs PLMR HRTG vs UPC vs HCI

About HRTG Dividend Returns

Heritage Insurance Holdings, Inc. (HRTG) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of HRTG over the past year?

Heritage Insurance Holdings, Inc. (HRTG) delivered a return of 15.35% over the past year. Since HRTG does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in HRTG be worth today?

A $10,000 investment in Heritage Insurance Holdings, Inc. one year ago would be worth $11,535 today, representing a gain of $1,535.

Q3Does HRTG pay dividends?

Heritage Insurance Holdings, Inc. (HRTG) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For HRTG, the total return equals the price-only return.

Q4Did HRTG beat the S&P 500?

No, Heritage Insurance Holdings, Inc. (HRTG) underperformed the S&P 500 by 15.02 percentage points over the past year. HRTG delivered a total return of 15.35%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed HRTG by 15.02pp during this period.

Q5What is HRTG's worst drawdown?

Heritage Insurance Holdings, Inc. (HRTG) experienced a maximum drawdown of -26.90% over the past year, declining from its peak on 2025-05-09 to its trough on 2025-08-06. The stock recovered to its prior peak by 2025-09-19. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is HRTG's long-term total return over 10, 20, or 30 years?

Here are Heritage Insurance Holdings, Inc. (HRTG)'s long-term returns with dividends reinvested. Over 10 years, the total return is 119.4% (8.2% CAGR) — $10,000 would have grown to $21,939. Over 20 years: 157.7% total return (4.8% CAGR) — $10,000 → $25,765. Over 30 years: 157.7% total return (3.2% CAGR) — $10,000 → $25,765. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was HRTG's best and worst year?

Heritage Insurance Holdings, Inc.'s best calendar year was 2023 with a total return of 252.4%. Its worst year was 2022 with a total return of -67.4%. This range shows the volatility investors should expect — the difference between the best and worst year is 319.8 percentage points.