Heritage Insurance Holdings, Inc.
Heritage Insurance Holdings, Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Available For Sale Securities Debt Securities | 802 | 751 | 713 | 701 | 665 | 667 | 656 | 672 | 699 | 644 | 561 | 652 | |||||
Equity Securities Fv Ni | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Other Investments | 1 | 1 | 1 | 1 | 5 | 5 | 6 | 7 | 7 | 7 | 7 | 12 | |||||
Investments | 804 | 754 | 716 | 703 | 671 | 673 | 663 | 680 | 708 | 653 | 569 | 665 | |||||
Cash And Cash Equivalents At Carrying Value | 588 | 517 | 559 | 560 | 473 | 426 | 453 | 510 | 481 | 386 | 464 | 229 | |||||
Restricted Cash And Cash Equivalents | 14 | 16 | 13 | 13 | 13 | 13 | 11 | 11 | 11 | 11 | 10 | 10 | |||||
Accrued Investment Income Receivable | 8 | 6 | 7 | 5 | 6 | 5 | 6 | 5 | 5 | 5 | 4 | 4 | |||||
Premiums Receivable At Carrying Value | 94 | 94 | 95 | 88 | 100 | 109 | 102 | 87 | 101 | 94 | 89 | 80 | |||||
Reinsurance Recoverables On Paid And Unpaid Losses | 305 | 261 | 319 | 379 | 524 | 593 | 740 | 442 | 537 | 566 | 482 | 727 | |||||
Prepaid Reinsurance Premiums | 461 | 195 | 307 | 426 | 530 | 196 | 310 | 401 | 505 | 177 | 294 | 404 | |||||
Income Tax Receivable | - | - | - | 6 | 19 | - | 0 | 9 | 12 | 3 | 13 | 15 | |||||
Deferred Income Tax Assets Net | 6 | 6 | 6 | 8 | 11 | 22 | 14 | 11 | 13 | 16 | 11 | 16 | |||||
Deferred Policy Acquisition Costs | 69 | 64 | 65 | 67 | 71 | 64 | 63 | 109 | 81 | 64 | 69 | 104 | |||||
Property Plant And Equipment Net | 28 | 28 | 28 | 28 | 39 | 39 | 38 | 37 | 35 | 33 | 33 | 32 | |||||
Finance Lease Right Of Use Asset | - | 12 | 13 | 13 | 14 | 14 | 15 | 16 | 16 | 17 | 18 | 18 | |||||
Operating Lease Right Of Use Asset | 6 | 6 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | |||||
Intangible Assets Net Excluding Goodwill | 27 | 29 | 30 | 32 | 33 | 35 | 36 | 38 | 39 | 41 | 43 | 44 | |||||
Other Assets | 32 | 33 | 34 | 33 | 26 | 17 | 12 | 13 | 16 | 18 | 13 | 13 | |||||
Assets | 2,452 | 2,021 | 2,196 | 2,367 | 2,537 | 2,213 | 2,469 | 2,374 | 2,599 | 2,130 | 2,120 | 2,369 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liability For Claims And Claims Adjustment Expense | 482 | 544 | 579 | 650 | 713 | 849 | 1,043 | 775 | 822 | 844 | 846 | 971 | |||||
Unearned Premiums | 738 | 701 | 708 | 733 | 762 | 705 | 703 | 724 | 766 | 691 | 676 | 689 | |||||
Reinsurance Payable | 501 | 73 | 233 | 379 | 502 | 123 | 227 | 344 | 504 | 103 | 160 | 283 | |||||
Long Term Debt | 71 | 78 | 78 | 79 | 92 | 95 | 116 | 119 | 121 | 123 | 120 | 122 | |||||
Deposit Contracts Liabilities | 27 | 31 | 19 | 26 | 19 | 22 | 15 | 28 | 26 | 37 | 24 | 34 | |||||
Accrued Income Taxes | 6 | 15 | 4 | 0 | 0 | 21 | 1 | - | - | - | 0 | - | |||||
Finance Lease Liability | - | 15 | 16 | 16 | 17 | 17 | 18 | 19 | 19 | 20 | 20 | 21 | |||||
Operating Lease Liability | 6 | 7 | 6 | 6 | 6 | 7 | 7 | 7 | 8 | 8 | 8 | 8 | |||||
Other Liabilities | 33 | 32 | 38 | 33 | 35 | 36 | 39 | 71 | 72 | 66 | 36 | 81 | |||||
Liabilities | 1,885 | 1,501 | 1,691 | 1,930 | 2,153 | 1,884 | 2,178 | 2,095 | 2,344 | 1,895 | 1,899 | 2,217 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital Common Stock | 360 | 358 | 366 | 367 | 366 | 364 | 363 | 363 | 362 | 361 | 360 | 337 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -15 | -14 | -11 | -13 | -18 | -22 | -29 | -20 | -35 | -35 | -35 | -50 | |||||
Treasury Stock Value | - | - | - | - | - | - | - | -131 | -131 | -131 | -131 | -131 | |||||
Treasury Stock Common Value | -158 | -143 | -133 | -133 | -131 | -131 | -131 | - | - | - | -131 | - | |||||
Retained Earnings Accumulated Deficit | 381 | 320 | 283 | 217 | 166 | 118 | 88 | 67 | 59 | 40 | 26 | -5 | |||||
Stockholders Equity | 568 | 520 | 505 | 437 | 383 | 329 | 291 | 279 | 255 | 235 | 220 | 151 | |||||
Liabilities And Stockholders Equity | 2,452 | 2,021 | 2,196 | 2,367 | 2,537 | 2,213 | 2,469 | 2,374 | 2,599 | 2,130 | 2,120 | 2,369 | |||||
Available For Sale Debt Securities Amortized Cost … | 822 | 769 | 727 | 718 | 688 | 696 | 693 | 697 | 744 | 690 | 607 | 716 | |||||
Equity Securities Fv Ni Cost | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Reinsurance Recoverables Allowance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | |||||
Common Stock Shares Issued | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 43 | 42 | 39 | |||||
Shares Outstanding | 30 | 30 | 31 | 31 | 31 | 31 | 31 | 31 | 31 | 31 | 30 | 27 | |||||
Treasury Stock Common Shares | 13 | 13 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -3.26% | 15.39% | 24.14% | - | - | - | - | - | - | - | - | - |
| 2025 | -5.96% | -9.95% | -20.91% | 6.15% | 15.90% | 13.80% | -1.66% | -1.86% | -13.71% | -6.93% | 2.10% | -22.96% |
| 2024 | 2.29% | -14.80% | -6.74% | 97.67% | 90.07% | 30.15% | 1.89% | -1.23% | -8.28% | 15.16% | 55.47% | 95.29% |
| 2023 | - | - | - | 8.61% | 32.99% | 19.88% | 25.78% | -7.65% | -12.18% | 22.33% | -3.21% | 0.95% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 41.77 | 38.06 | 33.87 | 23.95 | 15.64 | 10.76 | 8.56 | 8.65 | 6.88 | 5.90 | 5.64 | 3.72 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 7.16 | 6.56 | 6.32 | 4.81 | 3.44 | 2.53 | 2.01 | 2.35 | 1.84 | 1.50 | 1.73 | 1.01 | |||||
| Free Cash Flow Per Share TTM | 9.92 | 6.47 | 5.64 | 3.38 | -1.11 | 2.40 | 2.58 | 7.69 | 6.41 | 1.71 | 2.31 | -2.26 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 65.96% | 64.00% | 63.03% | 57.39% | 50.80% | 46.92% | 45.28% | 46.00% | 44.02% | 42.56% | 42.06% | 39.26% | |||||
| Operating Profit Margin TTM | 34.46% | 32.47% | 31.53% | 24.81% | 17.89% | 13.54% | 11.46% | 12.38% | 10.03% | 8.78% | 8.59% | 5.80% | |||||
| Net Profit Margin TTM | 25.19% | 23.76% | 23.08% | 17.72% | 12.71% | 9.29% | 7.53% | 9.10% | 7.37% | 6.07% | 6.16% | 3.72% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 1.54% | 1.35% | 3.71% | 6.12% | 9.57% | 11.65% | 11.08% | 9.76% | 9.37% | 10.15% | 11.03% | 10.47% | |||||
| Net Income Growth (1Y) | 101.31% | 159.17% | 217.84% | 106.69% | 88.90% | 70.87% | 35.83% | 168.71% | -505.81% | -141.54% | -129.35% | -112.43% | |||||
| EPS Growth (1Y) | 107.93% | 159.31% | 214.80% | 104.84% | 86.74% | 69.08% | 16.28% | 133.81% | -438.51% | -134.95% | -129.52% | -112.28% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 3.64 | 3.99 | 4.62 | 5.23 | 7.23 | 5.69 | 6.02 | 5.20 | 3.83 | 7.11 | 3.77 | 6.45 | |||||
| P/B TTM | 1.38 | 1.55 | 1.79 | 1.78 | 2.02 | 1.35 | 1.27 | 1.34 | 0.85 | 1.38 | 0.78 | 1.14 | |||||
| P/S TTM | 0.92 | 0.95 | 1.07 | 0.93 | 0.92 | 0.53 | 0.45 | 0.47 | 0.28 | 0.43 | 0.23 | 0.24 | |||||
| Market Cap | 782.85M | 805.37M | 903.86M | 779.63M | 773.25M | 442.66M | 370.20M | 375.57M | 217.00M | 323.51M | 170.78M | 173.28M | |||||
| Enterprise Value | 266.54M | 365.92M | 423.01M | 298.45M | 392.14M | 111.56M | 33.86M | -15.79M | -143.15M | 60.42M | -173.13M | 66.49M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 297.75M | 198.47M | 174.16M | 104.58M | -34.48M | 73.53M | 78.87M | 235.82M | 196.34M | 52.07M | 60.53M | -60.21M | |||||
| Net Debt | -516.31M | -439.46M | -480.85M | -481.18M | -381.10M | -331.10M | -336.35M | -391.37M | -360.15M | -263.09M | -343.91M | -106.78M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
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Valuation Ratios | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Heritage Insurance Holdings, Inc. (HRTG) — SEC Financial Statements & Analysis
Heritage Insurance Holdings, Inc. (HRTG) is a fire, marine & casualty insurance company, incorporated in DE. Heritage Insurance Holdings, Inc. trades on NYSE as: HRTG. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Heritage Insurance Holdings, Inc. reported a 1.54% year-over-year revenue growth, a Gross Profit Margin of 65.96% (TTM), a Price-to-Sales (P/S) ratio of 0.92x (TTM), a Price-to-Book (P/B) ratio of 1.38x (TTM), at a market cap of $782.85M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 1.54%
- Gross Profit Margin TTM
- 65.96%
- P/S TTM
- 0.92x
- P/B TTM
- 1.38x
- Market Cap
- $782.85M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Heritage Insurance Holdings, Inc. in?
Heritage Insurance Holdings, Inc. (HRTG) operates in the Fire, Marine & Casualty Insurance industry.
What is HRTG's market cap?
Heritage Insurance Holdings, Inc. (HRTG) has a market capitalization of $782.85M as of 2026-06-30.
What is HRTG's P/E ratio?
Heritage Insurance Holdings, Inc. (HRTG)'s trailing twelve month P/E ratio is 3.64x as of 2026-06-30.
What exchange does HRTG trade on?
Heritage Insurance Holdings, Inc. (HRTG) trades on the NYSE.
Where is Heritage Insurance Holdings, Inc. incorporated?
Heritage Insurance Holdings, Inc. is incorporated in DE.