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Heritage Insurance Holdings, Inc.

HRTG

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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
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Subscriber-only column
Assets
Available For Sale Securities Debt Securities
802751713701665667656672699644561652
Equity Securities Fv Ni
111111222222
Other Investments
1111556777712
Investments
804754716703671673663680708653569665
Cash And Cash Equivalents At Carrying Value
588517559560473426453510481386464229
Restricted Cash And Cash Equivalents
141613131313111111111010
Accrued Investment Income Receivable
867565655544
Premiums Receivable At Carrying Value
9494958810010910287101948980
Reinsurance Recoverables On Paid And Unpaid Losses
305261319379524593740442537566482727
Prepaid Reinsurance Premiums
461195307426530196310401505177294404
Income Tax Receivable
---619-091231315
Deferred Income Tax Assets Net
66681122141113161116
Deferred Policy Acquisition Costs
69646567716463109816469104
Property Plant And Equipment Net
282828283939383735333332
Finance Lease Right Of Use Asset
-1213131414151616171818
Operating Lease Right Of Use Asset
665556666777
Intangible Assets Net Excluding Goodwill
272930323335363839414344
Other Assets
323334332617121316181313
Assets
2,4522,0212,1962,3672,5372,2132,4692,3742,5992,1302,1202,369
Liabilities And Stockhold…
Liability For Claims And Claims Adjustment Expense
4825445796507138491,043775822844846971
Unearned Premiums
738701708733762705703724766691676689
Reinsurance Payable
50173233379502123227344504103160283
Long Term Debt
717878799295116119121123120122
Deposit Contracts Liabilities
273119261922152826372434
Accrued Income Taxes
615400211---0-
Finance Lease Liability
-1516161717181919202021
Operating Lease Liability
676667778888
Other Liabilities
333238333536397172663681
Liabilities
1,8851,5011,6911,9302,1531,8842,1782,0952,3441,8951,8992,217
Stockholders Equity
Common Stock Value
000000000000
Additional Paid In Capital Common Stock
360358366367366364363363362361360337
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
3813202832171661188867594026-5
Stockholders Equity
568520505437383329291279255235220151
Liabilities And Stockholders Equity
2,4522,0212,1962,3672,5372,2132,4692,3742,5992,1302,1202,369
Available For Sale Debt Securities Amortized Cost …
822769727718688696693697744690607716
Equity Securities Fv Ni Cost
111111222222
Reinsurance Recoverables Allowance
000000000000
Common Stock Par Or Stated Value Per Share
000000000000
Common Stock Shares Authorized
505050505050505050505050
Common Stock Shares Issued
434343434343434343434239
Shares Outstanding
303031313131313131313027
Treasury Stock Common Shares
131312121212121212121212

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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%
20242.29%-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
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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
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-22Sale
Owner: Binnun, Sharon
Title: Chief Accounting Officer
Shares: 9,200
Price/Share: $24.36
Value: $224,112.00
Shares Owned: 114,788
Relationship: Officer
Ownership: Direct
2026-05-19Purchase
Owner: Whiting, Paul L
Title: -
Shares: 16,000
Price/Share: $23.98
Value: $383,680.00
Shares Owned: 103,126
Relationship: Director
Ownership: Direct
2026-05-01Sale
Owner: Binnun, Sharon
Title: Chief Accounting Officer
Shares: 9,200
Price/Share: $28.99
Value: $266,708.00
Shares Owned: 123,988
Relationship: Officer
Ownership: Direct
2026-04-20Sale
Owner: Garateix, Ernie J
Title: Chief Executive Officer
Shares: 8,334
Price/Share: $27.96
Value: $233,018.64
Shares Owned: 1,060,955
Relationship: Director,Officer
Ownership: Direct
2026-04-02Sale
Owner: Moura, Timothy
Title: See Remarks
Shares: 24,769
Price/Share: $25.60
Value: $634,086.40
Shares Owned: 160,045
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
59.12%
Inst. Shares: 18,138,936
Shares Outstanding: 30,680,933
2025-12-31
58.40%
Inst. Shares: 18,041,465
Shares Outstanding: 30,890,609
2025-09-30
57.14%
Inst. Shares: 17,691,345
Shares Outstanding: 30,962,464
2025-06-30
55.65%
Inst. Shares: 17,252,746
Shares Outstanding: 31,004,218
2025-03-31
52.42%
Inst. Shares: 16,092,861
Shares Outstanding: 30,697,826

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.

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Main Street's price.