Heritage Insurance Holdings, Inc.
HRTG NYSE· Fire, Marine & Casualty Insurance
Last close · Oct 23, 2026
$36.82
KIRA · Stoqly’s AI analyst, in plain words
- Heritage Insurance Holdings, Inc. had $847M of revenue in fiscal 2025, up 3.7% on the year before. Over five years, revenue changed +7.4% a year on average.
- Its operating margin was 31.5%, up 20.1 pts: of every 100 in sales, about 32 is left after running the business.
- Heritage Insurance Holdings, Inc. made $196M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 21.0% a year.
- Free cash flow was $174M in fiscal 2025, 20.6% of revenue.
- Heritage Insurance Holdings, Inc. has $465M more cash than debt.
Market cap
$1.1B
P/E
5.2x
Revenue
$847M
Net income
$196M
Free cash flow
$174M
Operating margin
31.5%
Heritage Insurance Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+3.7%
Only a little. Sales grew 3.7% last year.
Does it make a profit?
23.1%
Yes. It keeps 23.1% of every sale as profit.
Does profit turn into cash?
20.6%
Yes. 20.6% of sales ends up as free cash.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How healthy are the accounts?
5 / 7
Mixed. It passes 5 of 7 health tests.
How is the share priced?
5.2x
One share costs 5.2 times its yearly profit per share.
What Heritage Insurance Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- Heritage Insurance Holdings, Inc.
- CIK
- 0001598665
Heritage Insurance Holdings, Inc. · HRTG
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $632M | $662M | $735M | $817M | $847M |
| Revenue growth | 6.4% | 4.9% | 11.0% | 11.1% | 3.7% |
| Operating margin | −10.8% | −23.8% | 8.6% | 11.5% | 31.5% |
| Net income | −$74.7M | −$154M | $45.3M | $61.5M | $196M |
| Net margin | −11.8% | −23.3% | 6.2% | 7.5% | 23.1% |
| Diluted EPS | −$2.69 | −$5.86 | $1.73 | $2.01 | $6.32 |
| Cash | |||||
| Cash from operations | $60.1M | −$34.3M | $70.4M | $87.1M | $182M |
| Capital expenditure | $1.0M | $8.6M | $9.9M | $8.2M | $8.1M |
| Free cash flow | $59.1M | −$42.8M | $60.5M | $78.9M | $174M |
| FCF margin | 9.4% | −6.5% | 8.2% | 9.7% | 20.6% |
| Dividends paid | $6.7M | $4.8M | $0.0M | — | — |
| Share buybacks | $8.2M | $7.3M | $0.0M | $0.0M | — |
| Share count change | −0.7% | −5.3% | −0.3% | 16.8% | 1.0% |
| Debt and strength | |||||
| Cash and short-term investments | $359M | $281M | $464M | $453M | $559M |
| Debt incl. finance leases | $145M | $152M | $140M | $134M | $94.0M |
| Shareholders' equity | $343M | $131M | $220M | $291M | $505M |
| Net debt / EBITDA | — | — | −4.9x | −3.3x | −1.7x |
| Interest coverage | −8.5x | −17.9x | 5.6x | 8.6x | 33.9x |
| Returns and quality | |||||
| Return on capital | −51.5% | — | — | — | 825.8% |
| Return on equity | −19.0% | −65.1% | 25.8% | 24.1% | 49.1% |
| Return on tangible equity | −38.3% | −189.5% | 25.5% | 24.2% | 41.2% |
| Piotroski F-score | 4 | 3 | 6 | 5 | 5 |
Insiders bought, 12 months
$0.4M
1 insider
Insiders sold, 12 months
$10.7M
6 insiders
Of sales under plans
70%
$7.5M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Heritage Insurance Holdings, Inc. · HRTG
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $36.82 a share, the company is worth $1.1B: 5.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001598665). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.