Heritage Insurance Holdings, Inc. (HRTG)

NYSE: HRTG · Real-Time Price · USD

27.81

+1.53 (5.82%)

Jul 24, 2026, 1:40 PM EDT - Market open

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	Mar '26 Mar 31, 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	848.47	847.33	816.99	735.5	662.46	631.56
Revenue Growth	1.35%	3.71%	11.08%	11.03%	4.89%	6.43%
Operating Income	275.53	267.15	93.61	63.22	-157.36	-68.06
Net Income	201.6	195.59	61.54	45.31	-154.36	-74.73
Earnings Per Share	6.52	6.32	2.01	1.73	-5.86	-2.69
EPS Growth	157.71%	214.43%	16.18%	-	-	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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 & Equivalents	533.29	572.58	463.65	473.34	287.57	364.75
Total Debt	21.44	21.39	25.02	28.46	31.25	31.17
Net Cash (Debt)	-21.44	-21.39	-25.02	-28.46	-31.25	-31.17
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.69	-0.69	-0.82	-1.08	-1.19	-1.12

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	206.27	182.24	87.1	70.42	-34.26	60.13
Capital Expenditures	-7.79	-8.07	-8.23	-9.89	-7.71	-1.01
Free Cash Flow	198.47	174.16	78.87	60.53	-41.97	59.12
Free Cash Flow Growth	169.93%	120.84%	30.30%	-	-	-65.11%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	32.47%	31.53%	11.46%	8.59%	-23.75%	-10.78%
Pretax Margin	15.48%	30.60%	10.12%	7.07%	-25.08%	-12.04%
Profit Margin	23.76%	23.08%	7.53%	6.16%	-23.30%	-11.83%
FCF Margin	23.39%	20.55%	9.65%	8.23%	-6.34%	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	0.00%	4.10%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 24, 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	4.08	4.63	6.02	3.77	-	-
Forward PE	5.98	7.25	8.46	5.41	15.20	36.36
P/FCF Ratio	3.91	5.18	4.70	3.26	-	2.66
PS Ratio	0.91	1.06	0.45	0.27	0.07	0.25