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Mar 9, 2026·SEC
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Heritage Insurance Holdings, Inc.(HRTG)Earnings, Financials & Key Ratios
HRTG•NYSE•Insurance & Managed Care
$28.72
$888M mkt cap·14.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryProperty catastrophe and specialty property insurers
AboutHeritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners, and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, and emergency and recovery services; and property management, and reinsurance services. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as indirectly to approximately 1,500 retail locations through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.Show more
- Revenue$817M+11.1%
- Combined Ratio89.88%-3.3%
- Net Income$62M+35.8%
- Return on Equity24.08%-6.6%
- Medical Cost Ratio78.12%-3.2%
- Operating Margin10.12%+43.1%
- Net Margin7.53%+22.3%
- ROA2.68%+33.6%
- Equity / Assets11.78%+13.3%
- Book Value per Share9.49+13.1%
- Tangible BV/Share8.30+22.6%
- Debt/Equity0.49-27.8%
HRTG Key Insights
Heritage Insurance Holdings, Inc. (HRTG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Profitable underwriting: 89.9% combined ratio
- ✓Strong 5Y profit CAGR of 16.5%
✗Weaknesses
- ✗Shares diluted 16.8% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
HRTG Price & Volume
Heritage Insurance Holdings, Inc. (HRTG) stock price & volume — 10-year historical chart
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HRTG Growth Metrics
Heritage Insurance Holdings, Inc. (HRTG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.33%
5 Years9.83%
3 Years8.96%
TTM4.5%
Profit CAGR
10 Years2.71%
5 Years16.53%
3 Years-
TTM106.69%
EPS CAGR
10 Years1%
5 Years15.45%
3 Years-
TTM93.2%
Return on Capital
10 Years2.61%
5 Years-1.06%
3 Years-0.56%
Last Year3.6%
HRTG Recent Earnings
Heritage Insurance Holdings, Inc. (HRTG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Mar 9, 2026EPS
$2.15
Est $1.61
+33.5%
Revenue
$215M
Est $213M
+1.3%
Q4 2025
Nov 5, 2025EPS
$1.63
Est $0.53
+207.5%
Revenue
$212M
Est $213M
-0.1%
Q3 2025
Aug 5, 2025EPS
$1.55
Est $1.03
+50.5%
Revenue
$208M
Est $214M
-2.8%
Q2 2025
May 6, 2025EPS
$0.99
Est $0.46
+115.2%
Revenue
$212M
Est $214M
-1.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 9, 2026 | $2.15vs $1.61+33.5% | $215Mvs $213M+1.3% |
| Q4 2025 | Nov 5, 2025 | $1.63vs $0.53+207.5% | $212Mvs $213M-0.1% |
| Q3 2025 | Aug 5, 2025 | $1.55vs $1.03+50.5% | $208Mvs $214M-2.8% |
| Q2 2025 | May 6, 2025 | $0.99vs $0.46+115.2% | $212Mvs $214M-1.0% |
Based on last 12 quarters of dataView full earnings history →
HRTG Peer Comparison
Heritage Insurance Holdings, Inc. (HRTG) competitors in Property catastrophe and specialty property insurers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 UPC | 1.59M | 2.82 | -0.00 | -22.44% | -30.33% | -27.02% | 0.16 | |
 HCI | 1.99B | 154.14 | 6.20 | 20.21% | 34.31% | 29.62% | 22.38% | 0.03 |
 PLMR | 2.93B | 110.75 | 24.72 | 47.33% | 22.66% | 20.03% | 8.89% | |
 NODK | 266.12M | 12.90 | -100% | 0.87% | 1.05% | 0.75% | ||
 ACGL | 33.74B | 94.70 | 8.15 | 14.27% | 22.07% | 19.02% | 18.16% | 0.11 |
 RLI | 4.51B | 49.01 | 11.24 | 6.33% | 20.8% | 22% | 13.51% | 0.06 |
 RNR | 13.06B | 302.63 | 5.34 | 9.45% | 26.93% | 16.59% | 28.28% | 0.12 |
 VRSK | 22.39B | 170.89 | 26.33 | 6.63% | 29.34% | 437.95% | 5.32% | 16.26 |
Compare HRTG vs Peers
Heritage Insurance Holdings, Inc. (HRTG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HRTG Income Statement
Heritage Insurance Holdings, Inc. (HRTG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 438.96M | 406.62M | 480.17M | 511.31M | 593.38M | 631.56M | 662.46M | 735.5M | 816.99M | 842.28M |
| Revenue Growth % | 11.19% | -7.37% | 18.09% | 6.48% | 16.05% | 6.43% | 4.89% | 11.03% | 11.08% | 4.5% |
| Medical Costs & Claims | 323.28M | 285.37M | 322.09M | 381.19M | 501.66M | 573.34M | 657.47M | 593.74M | 638.24M | 541.53M |
| Medical Cost Ratio % | 73.65% | 70.18% | 67.08% | 74.55% | 84.54% | 90.78% | 99.25% | 80.73% | 78.12% | 64.29% |
| Gross Profit | 115.67M▲ 0% | 121.25M▲ 4.8% | 158.08M▲ 30.4% | 130.11M▼ 17.7% | 91.72M▼ 29.5% | 58.22M▼ 36.5% | 4.99M▼ 91.4% | 141.76M▲ 2738.6% | 178.75M▲ 26.1% | 300.75M▲ 0% |
| Gross Margin % | 26.35% | 29.82% | 32.92% | 25.45% | 15.46% | 9.22% | 0.75% | 19.27% | 21.88% | 35.71% |
| Gross Profit Growth % | -41.11% | 4.82% | 30.38% | -17.69% | -29.5% | -36.52% | -91.42% | 2738.59% | 26.09% | - |
| Operating Expenses | 59.27M | 127.14M | 119.09M | 89.11M | 89.51M | 134.26M | 171.16M | 89.75M | 96.07M | 91.1M |
| OpEx / Revenue % | 13.5% | 31.27% | 24.8% | 17.43% | 15.08% | 21.26% | 25.84% | 12.2% | 11.76% | 10.82% |
| Depreciation & Amortization | 8.98M | 7.74M | 27.07M | 10.44M | 8.1M | 8.45M | 8.36M | 8.69M | 9.55M | 12.12M |
| Combined Ratio % | 87.15% | 101.45% | 91.88% | 91.98% | 99.63% | 112.04% | 125.08% | 92.93% | 89.88% | 75.11% |
| Operating Income | 56.4M▲ 0% | -5.89M▼ 110.4% | 38.99M▲ 761.8% | 41M▲ 5.1% | 2.21M▼ 94.6% | -76.03M▼ 3535.8% | -166.17M▼ 118.5% | 52.01M▲ 131.3% | 82.68M▲ 59.0% | 209.65M▲ 0% |
| Operating Margin % | 12.85% | -1.45% | 8.12% | 8.02% | 0.37% | -12.04% | -25.08% | 7.07% | 10.12% | 24.89% |
| Operating Income Growth % | -62.47% | -110.45% | 761.81% | 5.13% | -94.6% | -3535.79% | -118.55% | 131.3% | 58.98% | - |
| EBITDA | 65.38M | 1.85M | 66.06M | 51.43M | 10.31M | -67.58M | -157.81M | 60.69M | 92.23M | 221.76M |
| EBITDA Margin % | 14.89% | 0.45% | 13.76% | 10.06% | 1.74% | -10.7% | -23.82% | 8.25% | 11.29% | 26.33% |
| Interest Expense | 362K | 13.21M | 20.02M | 8.52M | 7.97M | 7.97M | 8.81M | 11.21M | 10.93M | 8.72M |
| Non-Operating Income | -362K | -13.21M | -20.02M | -8.52M | -7.97M | -7.97M | -8.81M | -11.21M | -10.93M | 655.6K |
| Pretax Income | 56.4M▲ 0% | -5.89M▼ 110.4% | 38.99M▲ 761.8% | 41M▲ 5.1% | 2.21M▼ 94.6% | -76.03M▼ 3535.8% | -166.17M▼ 118.5% | 52.01M▲ 131.3% | 82.68M▲ 59.0% | 200.26M▲ 0% |
| Pretax Margin % | 12.85% | -1.45% | 8.12% | 8.02% | 0.37% | -12.04% | -25.08% | 7.07% | 10.12% | 23.78% |
| Income Tax | 22.54M | -4.77M | 11.84M | 12.36M | -7.11M | -1.31M | -11.81M | 6.7M | 21.14M | 51.05M |
| Effective Tax Rate % | 39.96% | 81.01% | 30.36% | 30.15% | -321.42% | 1.72% | 7.11% | 12.88% | 25.56% | 25.49% |
| Net Income | 33.87M▲ 0% | -1.12M▼ 103.3% | 27.16M▲ 2526.7% | 28.64M▲ 5.5% | 9.33M▼ 67.4% | -74.73M▼ 901.3% | -154.36M▼ 106.6% | 45.31M▲ 129.4% | 61.54M▲ 35.8% | 149.21M▲ 0% |
| Net Margin % | 7.71% | -0.28% | 5.66% | 5.6% | 1.57% | -11.83% | -23.3% | 6.16% | 7.53% | 17.72% |
| Net Income Growth % | -63.39% | -103.3% | 2526.72% | 5.45% | -67.43% | -901.28% | -106.57% | 129.35% | 35.83% | 106.69% |
| EPS (Diluted) | 1.14▲ 0% | -0.04▼ 103.7% | 1.04▲ 2588.0% | 0.98▼ 5.8% | 0.33▼ 66.3% | -2.69▼ 915.2% | -5.86▼ 117.8% | 1.73▲ 129.5% | 2.01▲ 16.2% | 4.82▲ 0% |
| EPS Growth % | -62.62% | -103.67% | 2588.04% | -5.77% | -66.33% | -915.15% | -117.84% | 129.52% | 16.18% | 93.2% |
| EPS (Basic) | 1.14 | -0.04 | 1.05 | 0.98 | 0.33 | -2.69 | -5.86 | 1.73 | 2.01 | - |
| Diluted Shares Outstanding | 29.63M | 26.8M | 26.1M | 29.23M | 27.99M | 27.8M | 26.34M | 26.25M | 30.65M | 30.95M |
HRTG Balance Sheet
Heritage Insurance Holdings, Inc. (HRTG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 1.03B | 1.77B | 1.77B | 1.94B | 2.09B | 1.98B | 2.39B | 2.12B | 2.47B | 2.37B |
| Asset Growth % | 23.39% | 71.42% | -0.14% | 9.67% | 7.72% | -5.2% | 20.79% | -11.41% | 16.48% | 17.68% |
| Total Investment Assets | 602.98M | 567.01M | 526.11M | 595.25M | 589.02M | 694.7M | 653.57M | 569.41M | 663.44M | 4M |
| Long-Term Investments | 602.98M | 567.01M | 526.11M | 588.87M | 562.61M | 670.77M | 637.09M | 562.35M | 657.49M | 2.59B |
| Short-Term Investments | 602.98M | 567.01M | 526.11M | 587.26M | 561.01M | 669.35M | 113.68M | 89.53M | 91.33M | 105.94M |
| Total Current Assets | 719.55M | 771.25M | 1.19B | 0 | 0 | 0 | 0 | 0 | 0 | 647.97M |
| Cash & Equivalents | 105.82M | 153.7M | 250.12M | 268.35M | 440.96M | 359.34M | 280.88M | 463.64M | 452.67M | 560.43M |
| Receivables | 0 | 0 | 0 | 495.76M | 464.73M | 353.06M | 909.93M | 586.78M | 844.88M | 2.66B |
| Other Current Assets | 0 | 0 | 0 | -1.58B | -1.71B | -1.65B | -1.61B | -1.44B | -1.7B | -917.95M |
| Goodwill & Intangibles | 73M | 254.09M | 229.31M | 221.1M | 214.74M | 147.88M | 49.58M | 42.55M | 36.37M | 136.21M |
| Goodwill | 46.45M | 152.46M | 152.46M | 152.46M | 152.46M | 91.96M | 0 | 0 | 0 | 0 |
| Intangible Assets | 26.54M | 101.63M | 76.85M | 68.64M | 62.28M | 55.93M | 49.58M | 42.55M | 36.37M | 31.73M |
| PP&E (Net) | 17.18M | 18.75M | 18M | 20.75M | 25.15M | 45.18M | 53.2M | 57.66M | 59.01M | 46.01M |
| Other Assets | -602.98M | -567.01M | -7.72M | -830.73M | -802.49M | -863.83M | -739.86M | -662.56M | -752.88M | -589.67M |
| Total Liabilities | 675.28M | 1.39B | 1.34B | 1.49B | 1.65B | 1.64B | 2.26B | 1.9B | 2.18B | 1.93B |
| Total Debt | 72.91M | 184.41M | 148.79M | 137.62M | 129.15M | 151.93M | 160.19M | 148.19M | 141.34M | 101.66M |
| Net Debt | -32.91M | 30.71M | -101.32M | -130.73M | -311.8M | -207.41M | -120.69M | -315.45M | -311.33M | -458.77M |
| Long-Term Debt | 72.91M | 184.41M | 148.79M | 49.87M | 51M | 51.63M | 29.82M | 30.11M | 36.19M | 4.25M |
| Short-Term Debt | 0 | 0 | 0 | 79.38M | 70M | 69.13M | 99.13M | 89.63M | 80.13M | 75M |
| Total Current Liabilities | 96.67M | 17.58M | 195.35M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payable | 103.47M | 48.13M | 175.53M | 163.58M | 171.17M | 201.81M | 217.46M | 176.01M | 248.21M | 394.58M |
| Deferred Revenue | 0 | 15.37M | 203.73M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -111.43M | -67.16M | -394.75M | -260.55M | -261.91M | -291.78M | -335.95M | -285.21M | -347.2M | -486.43M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 0 | 0 | 0 |
| Other Liabilities | 599.38M | 1.21B | 1.19B | -108.33M | -117.63M | -132.64M | -103.82M | -92.2M | -61.21M | 36K |
| Total Equity | 357.96M▲ 0% | 379.82M▲ 6.1% | 425.33M▲ 12.0% | 448.8M▲ 5.5% | 442.34M▼ 1.4% | 343.05M▼ 22.4% | 131.04M▼ 61.8% | 220.28M▲ 68.1% | 290.8M▲ 32.0% | 437.25M▲ 0% |
| Equity Growth % | 0.39% | 6.11% | 11.98% | 5.52% | -1.44% | -22.45% | -61.8% | 68.1% | 32.01% | 178.7% |
| Shareholders Equity | 357.96M | 379.82M | 425.33M | 448.8M | 442.34M | 343.05M | 131.04M | 220.28M | 290.8M | 437.25M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 182.81M | 175.23M | 195.75M | 217.27M | 219.78M | 138.38M | -19.19M | 26.12M | 87.66M | 216.57M |
| Common Stock | 3K | 3K | 3K | 3K | 3K | 3K | 3K | 3K | 3K | 3K |
| Accumulated OCI | -5.02M | -3.06M | -6.53M | 7.33M | 6.06M | -4.57M | -53.59M | -35.25M | -28.6M | -12.94M |
| Return on Equity (ROE) | 9.48% | -0.3% | 6.75% | 6.55% | 2.09% | -19.03% | -65.12% | 25.79% | 24.08% | 41.44% |
| Return on Assets (ROA) | 3.62% | -0.08% | 1.53% | 1.54% | 0.46% | -3.67% | -7.06% | 2.01% | 2.68% | 6.23% |
| Equity / Assets | 34.64% | 21.44% | 24.05% | 23.14% | 21.17% | 17.32% | 5.48% | 10.39% | 11.78% | 18.47% |
| Debt / Equity | 0.20x | 0.49x | 0.35x | 0.31x | 0.29x | 0.44x | 1.22x | 0.67x | 0.49x | 0.49x |
| Book Value per Share | 12.08 | 14.17 | 16.30 | 15.35 | 15.80 | 12.34 | 4.97 | 8.39 | 9.49 | 14.13 |
| Tangible BV per Share | 9.62 | 4.69 | 7.51 | 7.79 | 8.13 | 7.02 | 3.09 | 6.77 | 8.30 | 13.10 |
HRTG Cash Flow Statement
Heritage Insurance Holdings, Inc. (HRTG) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 75.13M | 7.57M | 95.43M | 119.66M | 170.21M | 60.13M | -34.26M | 70.42M | 87.09M | 87.09M |
| Operating CF Growth % | -51.17% | -89.93% | 1161.27% | 25.39% | 42.25% | -64.67% | -156.98% | 305.53% | 23.69% | 721.72% |
| Operating CF / Revenue % | 17.12% | 1.86% | 19.87% | 23.4% | 28.68% | 9.52% | -5.17% | 9.57% | 10.66% | 10.34% |
| Net Income | 33.87M | -1.12M | 27.16M | 28.64M | 9.33M | -74.73M | -154.36M | 45.31M | 61.54M | 149.21M |
| Depreciation & Amortization | 8.98M | 7.74M | 27.07M | 10.44M | 8.1M | 8.45M | 8.36M | 8.69M | 9.55M | -521K |
| Stock-Based Compensation | 4.82M | 4.82M | 5.27M | 5.38M | 4.68M | 1.16M | 2.01M | 1.36M | 3.25M | 5.16M |
| Deferred Taxes | 3.1M | 19.62M | -21.56M | -898K | 6.24M | -5.96M | -11.2M | 40K | -4.84M | 1.32M |
| Other Non-Cash Items | 6.28M | 52.78M | 23.14M | 2.68M | -15.58M | 66.52M | 95.97M | -459K | -1.03M | 38.81M |
| Working Capital Changes | 18.09M | -76.27M | 34.36M | 73.42M | 157.44M | 64.68M | 24.96M | 15.48M | 18.62M | -81.62M |
| Cash from Investing | -249.42M | -7.24M | 24.36M | -53.59M | 22.06M | -124.48M | -37.86M | 100.81M | -91.6M | -18.86M |
| Capital Expenditures | -1.62M | -385K | -2.28M | -4.98M | -755K | -1.01M | -12.38M | -9.89M | -8.23M | -2.56M |
| Acquisitions | -110.32M | -140.92M | 2.28M | 0 | -472.52M | -210.1M | -89.54M | 0 | 0 | 0 |
| Purchase of Investments | -317.67M | -215.84M | -218.67M | -256.88M | -470.5M | -334.58M | -135M | -230.9M | -286.97M | -311.72M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 2M |
| Other Investing | -137.48M | 134.06M | -2.28M | 358K | 472.52M | 210.1M | 89.54M | 0 | -270K | 191.75M |
| Cash from Financing | 43.83M | 47.56M | -31.95M | -45.43M | -28.9M | -17.28M | -5.06M | 14.55M | -5.19M | -40.66M |
| Dividends Paid | -6.81M | -8.25M | -6.38M | -6.96M | -6.85M | -6.71M | -4.77M | -11K | -54K | 0 |
| Share Repurchases | -25.56M | -61.62M | -2M | -16.18M | -10M | -8.19M | -7.34M | 0 | -3K | -3.25M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24.67M | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -4M |
| Other Financing | -1.72M | -7.21M | -5.27M | -3.52M | -2.38M | -231K | -94K | -429K | -863K | 0 |
| Net Change in Cash | -130.46M▲ 0% | 47.88M▲ 136.7% | 87.84M▲ 83.5% | 20.64M▼ 76.5% | 163.38M▲ 691.6% | -81.63M▼ 150.0% | -77.18M▲ 5.5% | 185.77M▲ 340.7% | -9.69M▼ 105.2% | 52.83M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 236.28M | 105.82M | 174.53M | 262.37M | 283.01M | 446.38M | 364.75M | 287.57M | 473.34M | 486.93M |
| Cash at End | 105.82M | 153.7M | 262.37M | 283.01M | 446.38M | 364.75M | 287.57M | 473.34M | 463.64M | 573.73M |
| Free Cash Flow | 73.51M▲ 0% | 7.18M▼ 90.2% | 93.15M▲ 1197.1% | 114.67M▲ 23.1% | 169.46M▲ 47.8% | 59.12M▼ 65.1% | -46.64M▼ 178.9% | 60.52M▲ 229.8% | 78.86M▲ 30.3% | 109.79M▲ 0% |
| FCF Growth % | -51.86% | -90.23% | 1197.13% | 23.11% | 47.77% | -65.11% | -178.89% | 229.76% | 30.3% | -53.44% |
| FCF Margin % | 16.75% | 1.77% | 19.4% | 22.43% | 28.56% | 9.36% | -7.04% | 8.23% | 9.65% | 13.03% |
| FCF per Share | 2.48 | 0.27 | 3.57 | 3.92 | 6.05 | 2.13 | -1.77 | 2.31 | 2.57 | 2.57 |
HRTG Key Ratios
Heritage Insurance Holdings, Inc. (HRTG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 87.15% | 101.45% | 91.88% | 91.98% | 99.63% | 112.04% | 125.08% | 92.93% | 89.88% | 75.11% |
| Medical Cost Ratio | 73.65% | 70.18% | 67.08% | 74.55% | 84.54% | 90.78% | 99.25% | 80.73% | 78.12% | 64.29% |
| Return on Equity (ROE) | 9.48% | -0.3% | 6.75% | 6.55% | 2.09% | -19.03% | -65.12% | 25.79% | 24.08% | 41.44% |
| Return on Assets (ROA) | 3.62% | -0.08% | 1.53% | 1.54% | 0.46% | -3.67% | -7.06% | 2.01% | 2.68% | 6.23% |
| Equity / Assets | 34.64% | 21.44% | 24.05% | 23.14% | 21.17% | 17.32% | 5.48% | 10.39% | 11.78% | 18.47% |
| Book Value / Share | 12.08 | 14.17 | 16.3 | 15.35 | 15.8 | 12.34 | 4.97 | 8.39 | 9.49 | 14.13 |
| Debt / Equity | 0.20x | 0.49x | 0.35x | 0.31x | 0.29x | 0.44x | 1.22x | 0.67x | 0.49x | 0.49x |
| Revenue Growth | 11.19% | -7.37% | 18.09% | 6.48% | 16.05% | 6.43% | 4.89% | 11.03% | 11.08% | 4.5% |
HRTG SEC Filings & Documents
Heritage Insurance Holdings, Inc. (HRTG) SEC filings — annual & quarterly reports (10-K, 10-Q)
HRTG Frequently Asked Questions
Heritage Insurance Holdings, Inc. (HRTG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Heritage Insurance Holdings, Inc. (HRTG) grew revenue by 11.1% over the past year. This is steady growth.
Yes, Heritage Insurance Holdings, Inc. (HRTG) is profitable, generating $149.2M in net income for fiscal year 2024 (7.5% net margin).
Dividend & Returns
Heritage Insurance Holdings, Inc. (HRTG) does not currently pay a meaningful dividend. The company may be reinvesting profits for growth.
Heritage Insurance Holdings, Inc. (HRTG) has a return on equity (ROE) of 24.1%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Heritage Insurance Holdings, Inc. (HRTG) has a combined ratio of 89.9%. A ratio below 100% indicates underwriting profitability.
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