Heritage Insurance Holdings, Inc. (HRTG)

NYSE: HRTG · Real-Time Price · USD

34.83

-0.40 (-1.14%)

Oct 9, 2026, 4:00 PM EDT - Market closed

HRTG Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	854.63	847.33	816.99	735.5	662.46	631.56
Revenue Growth	1.54%	3.71%	11.08%	11.03%	4.89%	6.43%
Operating Income	294.51	267.15	93.61	63.98	-65.4	-7.56
Net Income	215.29	195.59	61.54	45.31	-154.36	-74.73
Earnings Per Share	7.01	6.32	2.01	1.73	-5.86	-2.69
EPS Growth	101.83%	214.43%	16.20%	-	-	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	587.6	559.27	452.67	463.64	280.88	359.34
Total Debt	91.83	99.82	141.34	148.19	160.19	151.93
Net Cash (Debt)	495.76	459.46	311.33	315.45	120.69	207.41
Net Cash Growth	38.49%	47.58%	-1.31%	161.37%	-41.81%	-33.48%
Net Cash Per Share	16.15	14.85	10.16	12.02	4.58	7.46

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	304.66	182.24	87.1	70.42	-34.26	60.13
Capital Expenditures	-6.92	-8.07	-8.23	-9.89	-12.38	-1.01
Free Cash Flow	297.75	174.16	78.87	60.53	-46.64	59.12
Free Cash Flow Growth	-	120.84%	30.30%	-	-	-65.11%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	34.46%	31.53%	11.46%	8.70%	-9.87%	-1.20%
Pretax Margin	33.64%	30.60%	10.12%	7.07%	-25.08%	-12.04%
Profit Margin	25.19%	23.08%	7.53%	6.16%	-23.30%	-11.83%
FCF Margin	34.84%	20.55%	9.65%	8.23%	-7.04%	9.36%

Dividends

Fiscal Year	FY 2022	FY 2021
Period Ending	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.120	0.240
Dividend Per Share Growth	-50.00%	0%
Dividend Yield	6.67%	4.19%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	4.97	4.37	5.73	4.36	-	-
Forward PE	6.93	7.25	8.46	5.41	15.20	36.36
P/FCF Ratio	3.38	4.91	4.47	3.26	-	2.75
PS Ratio	1.18	1.01	0.43	0.27	0.07	0.26