Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.38 | 3.18 | 5.51 | 3.40 | 3.86 | 4.02 | 3.64 | 4.58 | 11.33 | 2.90 | 5.66 | 1.42 | — | 3.21 | 1.40 | 0.94 | — | — | — | — | — |
| — | -20.9% | +51.4% | -25.8% | -65.9% | +38.6% | -35.7% | +223.4% | — | -9.6% | +304.6% | +51.2% | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 1.21 | 0.92 | 0.95 | 1.59 | 0.92 | 0.93 | 0.52 | 0.44 | 0.44 | 0.27 | 0.40 | 0.23 | 0.23 | 0.13 | 0.11 | 0.07 | 0.09 | 0.11 | 0.30 | 0.24 | 0.28 |
| — | -1.2% | +81.0% | +260.5% | +106.5% | +247.0% | +31.7% | +88.2% | +91.0% | +100.6% | +257.0% | +251.8% | +158.3% | +24.9% | -63.0% | -72.6% | -68.3% | -73.2% | -42.4% | -44.9% | -33.2% | |
| P/B Ratio | 2.08 | 1.38 | 1.55 | 1.79 | 1.78 | 2.01 | 1.35 | 1.28 | 1.35 | 0.85 | 1.38 | 0.80 | 1.14 | 0.61 | 0.51 | 0.36 | 0.51 | 0.39 | 0.68 | 0.47 | 0.47 |
| — | -31.3% | +15.0% | +40.6% | +32.3% | +136.2% | -2.3% | +60.3% | +17.7% | +38.6% | +170.6% | +124.1% | +126.1% | +58.8% | -24.9% | -24.8% | +7.8% | -31.4% | -5.9% | -25.7% | -25.8% | |
| P/FCF | 5.91 | 1.37 | 8.75 | 28.03 | 1.52 | 4.62 | — | — | — | 0.36 | 19.87 | 0.45 | — | 4.49 | 1.57 | — | 0.53 | — | — | — | — |
| — | -70.4% | — | — | — | +1171.7% | — | — | — | -91.9% | +1162.3% | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 2.09 | 0.61 | 1.86 | 1.22 | 1.12 | 1.56 | 0.65 | 0.47 | 0.24 | -1.07 | 1.00 | -0.99 | — | 0.10 | -1.05 | -1.33 | — | — | — | — | — |
| — | -61.0% | +186.1% | +160.1% | +365.8% | +246.4% | -35.1% | +147.4% | — | -1207.9% | +195.5% | +25.4% | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 2.20 | 0.59 | 1.91 | 1.24 | 1.14 | 1.59 | 0.80 | 0.47 | 0.23 | -1.05 | 0.98 | -0.97 | — | 0.09 | -1.16 | -1.24 | — | — | — | — | — |
| — | -63.1% | +137.9% | +163.3% | +397.2% | +251.7% | -17.7% | +148.8% | — | -1228.6% | +184.0% | +22.1% | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.0% | 39.1% | 56.9% | 66.0% | 43.5% | 42.9% | 31.3% | 25.0% | 15.7% | 24.8% | 22.3% | 28.3% | 6.7% | 20.1% | 100.0% | 17.4% | -17.9% | 14.6% | -12.4% | 18.6% | 1.1% |
| — | -8.8% | +81.6% | +163.3% | +176.8% | +73.3% | +40.8% | -11.5% | +134.9% | +23.3% | -77.7% | +62.8% | +137.5% | +37.8% | +905.6% | -6.3% | -1768.1% | +89.9% | -230.8% | +75.2% | -86.9% | |
| Operating Margin | 30.6% | 39.1% | 23.1% | 61.8% | 32.2% | 30.3% | 23.3% | 13.8% | 4.2% | 12.2% | 9.8% | 17.7% | -6.5% | 7.4% | — | 6.8% | -29.8% | -53.3% | -26.1% | -26.9% | -10.5% |
| — | +29.3% | -1.2% | +348.5% | +657.4% | +148.0% | +139.2% | -22.4% | +165.8% | +65.8% | — | +161.4% | +78.3% | +113.8% | — | +125.2% | -184.7% | -1253.6% | -398.3% | -505.8% | -156.8% | |
| Net Margin | 23.1% | 28.8% | 17.2% | 46.8% | 23.7% | 23.1% | 14.4% | 9.7% | 3.8% | 9.3% | 7.0% | 16.6% | -4.0% | 4.2% | 7.9% | 7.2% | -29.1% | -53.7% | -19.4% | -29.5% | -9.8% |
| — | +24.8% | +19.1% | +385.1% | +516.7% | +149.1% | +106.2% | -41.7% | +196.6% | +120.8% | -11.8% | +131.1% | +86.3% | +107.8% | +140.8% | +124.3% | -197.4% | -1940.1% | -454.7% | -1778.1% | -209.3% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 49.1% | 11.3% | 7.1% | 14.1% | 12.3% | 13.5% | 9.8% | 7.1% | 3.0% | 7.7% | 6.2% | 16.7% | -4.8% | 4.9% | 9.8% | 10.1% | -32.3% | -38.0% | -9.8% | -13.2% | -4.0% |
| — | -15.9% | -27.7% | +98.8% | +303.0% | +75.2% | +57.3% | -57.2% | +164.1% | +56.0% | -36.3% | +65.7% | +85.3% | +113.0% | +199.6% | +176.4% | -718.0% | -4000.9% | -731.8% | -2175.5% | -242.2% | |
| ROA | 8.4% | 2.8% | 1.7% | 2.9% | 2.1% | 2.0% | 1.3% | 0.8% | 0.3% | 0.8% | 0.7% | 1.4% | -0.3% | 0.3% | 0.6% | 0.5% | -2.1% | -4.5% | -1.6% | -2.3% | -0.7% |
| — | +36.4% | +32.9% | +248.7% | +527.3% | +153.4% | +94.4% | -39.2% | +204.3% | +131.6% | +8.8% | +171.1% | +85.2% | +107.6% | +138.2% | +121.9% | -197.0% | -2412.5% | -542.3% | -1856.8% | -194.1% | |
| ROIC | 1539.6% | 152.5% | 49.7% | 543.5% | 2694.6% | 199.7% | 5119.9% | — | — | — | — | — | -12.7% | 40.6% | — | 85.9% | -588.1% | -68.2% | -21.7% | -22.4% | -8.9% |
| — | -23.7% | -99.0% | — | — | — | — | — | — | — | — | — | +97.8% | +159.5% | — | +483.6% | -6490.0% | -2064.8% | -431.5% | -310.1% | -229.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.20 | — | 0.19 | 0.20 | 0.23 | 0.30 | 0.36 | 0.49 | 0.52 | 0.58 | 0.64 | 0.67 | 1.00 | 0.96 | 1.02 | 1.22 | 1.28 | 0.85 | 0.55 | 0.44 | 0.38 |
| — | — | -47.3% | -59.4% | -55.0% | -47.9% | -43.7% | -27.8% | -48.3% | -39.9% | -37.0% | -45.0% | -21.6% | +13.8% | +86.2% | +176.0% | +236.8% | +136.9% | +83.6% | +51.7% | +28.4% | |
| Debt / EBITDA | 0.37 | — | 1.90 | 1.09 | 1.42 | 1.75 | 2.27 | 4.45 | 12.85 | 5.44 | 6.82 | 4.19 | — | 9.79 | 7.09 | 11.46 | — | — | — | — | — |
| — | — | -16.3% | -75.5% | -89.0% | -67.8% | -66.7% | +6.3% | — | -44.4% | -3.9% | -63.5% | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.86 | 120.43 | 0.81 | 0.86 | 0.83 | 0.83 | 0.79 | 0.81 | 0.76 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | +14330.7% | +2.5% | +5.8% | +9.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.86 | 120.43 | 0.81 | 0.86 | 0.83 | 0.83 | 0.79 | 0.81 | 0.76 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | +14330.7% | +2.5% | +5.8% | +9.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 33.87 | 49.62 | 28.57 | 51.84 | 37.93 | 34.51 | 17.49 | 12.27 | 4.26 | 9.94 | 8.02 | 12.06 | -3.64 | 5.98 | 6.97 | 4.87 | -23.34 | -48.86 | -19.99 | -21.25 | -7.15 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying HRTG stock.
Heritage Insurance Holdings, Inc.'s current P/E is 5.4x. The average P/E over the last 4 quarters is 4.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Heritage Insurance Holdings, Inc.'s current operating margin is 30.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Heritage Insurance Holdings, Inc.'s business trajectory between earnings reports.