HRTG
Heritage Insurance Holdings, Inc.
Price Chart
Latest Quote
$25.54
+0.59 (+2.36%)
Current Price
| Previous Close | $24.95 |
| Open | $24.89 |
| Day High | $25.71 |
| Day Low | $24.28 |
| Volume | 409,323 |
Stock Information
| Shares Outstanding | 30.27M |
| Total Debt | $99.05M |
| Cash Equivalents | $517.07M |
| Revenue | $848.47M |
| Net Income | $201.60M |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| Market Cap | $773.19M |
| P/E Ratio | 3.92 |
| EPS (TTM) | $6.52 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $335.44M |
| Sales | $848.47M |
| Income | $201.60M |
| Book/sh | $17.21 |
| Cash/sh | $17.08 |
| Employees | 542 |
Financial Ratios
| Quick Ratio | 0.43 |
| Current Ratio | 0.77 |
| Debt/Eq | 19.03 |
| EPS Growth TTM | 19.70% |
Returns & Margins
| ROA | 8.13% |
| ROE | 47.47% |
| Gross Margin | 43.55% |
| Operating Margin | 23.90% |
| Profit Margin | 23.76% |
Ownership
| Insider Ownership | 19.78% |
| Institutional Ownership | 66.70% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 5.40 |
| P/S | 0.91 |
| P/B | 1.48 |
Analyst Data
| Recommendation | buy |
| Target Price | $31.50 |
Technical Indicators
| SMA20 | $22.44 |
| SMA50 | $24.65 |
| SMA200 | $26.03 |
| RSI | 87.46 |
| ATR | 0.8821 |
| Shares Float | 22.64M |
| Short Float | 3.70% |
| Short Ratio | 1.96 |
| Volatility | 0.92 |
| Rel Volume | 0.90 |
Performance History
| Week | +10.71% |
| Month | +11.63% |
| Quarter | -4.17% |
| 6 Months | -11.81% |
| YTD | -6.38% |
| Year | +9.80% |
| 3 Years | +516.91% |
| 5 Years | +192.43% |
| 10 Years | +151.51% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $25.54 | 409,323 |
| 2026-06-23 | $24.95 | 401,600 |
| 2026-06-22 | $23.79 | 560,400 |
| 2026-06-18 | $23.27 | 648,700 |
| 2026-06-17 | $23.17 | 324,100 |
| 2026-06-16 | $23.07 | 385,900 |
| 2026-06-15 | $22.30 | 381,500 |
| 2026-06-12 | $22.45 | 248,200 |
| 2026-06-11 | $22.32 | 341,400 |
| 2026-06-10 | $22.20 | 366,300 |
| 2026-06-09 | $21.62 | 360,200 |
| 2026-06-08 | $21.53 | 311,800 |
| 2026-06-05 | $22.16 | 566,600 |
| 2026-06-04 | $21.22 | 722,100 |
| 2026-06-03 | $20.88 | 637,500 |
| 2026-06-02 | $21.20 | 700,400 |
| 2026-06-01 | $21.38 | 560,700 |
| 2026-05-29 | $21.68 | 482,400 |
| 2026-05-28 | $22.00 | 309,400 |
| 2026-05-27 | $22.16 | 397,800 |
| 2026-05-26 | $22.61 | 338,000 |
About Heritage Insurance Holdings, Inc.
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
đ° Latest News
Truist is Bullish on Heritage Insurance Holdings, Inc. (HRTG)
Insider Monkey âĸ 2026-06-13T18:08:52Z
Uncovering 3 Undiscovered Gems in the US Market
Simply Wall St. âĸ 2026-05-18T11:33:41Z
Kingstone Companies Stock Plunges 16% YTD: Time to Buy the Dip?
Zacks âĸ 2026-05-12T17:57:00Z
Earnings Miss: Heritage Insurance Holdings, Inc. Missed EPS By 21% And Analysts Are Revising Their Forecasts
Simply Wall St. âĸ 2026-05-11T13:48:02Z
Heritage Insurance Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-10T22:09:20Z
Heritage Insurance Holdings, Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-05-08T12:30:00Z
Heritage Insurance (HRTG) Q1 Earnings and Revenues Miss Estimates
Zacks âĸ 2026-05-07T23:05:20Z
HCI Group (HCI) Tops Q1 Earnings Estimates
Zacks âĸ 2026-05-07T01:45:06Z
RNR Q1 Earnings Beat on Lower Expenses & Strong Investment Results
Zacks âĸ 2026-04-29T16:29:00Z
Should Value Investors Buy Heritage Insurance (HRTG) Stock?
Zacks âĸ 2026-04-29T13:40:03Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $774,430,000 | $766,684,000 | $670,698,000 | $662,460,000 |
| Operating Revenue | $774,430,000 | $766,684,000 | $670,698,000 | $662,460,000 |
| Expenses | ||||
| Interest Expense | $7,887,000 | $10,934,000 | $11,210,000 | $8,809,000 |
| Total Expenses | $515,166,000 | $684,009,000 | $618,693,000 | $828,630,000 |
| Other Income Expense | $13,304,000 | $13,199,000 | $13,529,000 | $13,676,000 |
| Net Non Operating Interest Income Expense | $-7,887,000 | $-10,934,000 | $-11,210,000 | $-8,809,000 |
| Interest Expense Non Operating | $7,887,000 | $10,934,000 | $11,210,000 | $8,809,000 |
| General And Administrative Expense | $74,872,000 | $72,638,000 | $61,677,000 | $70,396,000 |
| Loss Adjustment Expense | $313,246,000 | $447,048,000 | $426,129,000 | $501,162,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $195,594,000 | $61,539,000 | $45,307,000 | $-154,363,000 |
| Net Interest Income | $-7,887,000 | $-10,934,000 | $-11,210,000 | $-8,809,000 |
| Normalized Income | $195,594,000 | $61,539,000 | $45,975,214 | $-68,938,031 |
| Net Income From Continuing And Discontinued Operation | $195,594,000 | $61,539,000 | $45,307,000 | $-154,363,000 |
| Net Income Common Stockholders | $195,594,000 | $61,539,000 | $45,307,000 | $-154,363,000 |
| Net Income | $195,594,000 | $61,539,000 | $45,307,000 | $-154,363,000 |
| Net Income Including Noncontrolling Interests | $195,594,000 | $61,540,000 | $45,307,000 | $-154,363,000 |
| Net Income Continuous Operations | $195,594,000 | $61,540,000 | $45,307,000 | $-154,363,000 |
| Pretax Income | $259,264,000 | $82,676,000 | $52,005,000 | $-166,170,000 |
| Special Income Charges | $0 | $0 | $-767,000 | $-91,959,000 |
| Per Share | ||||
| Diluted EPS | $6.32 | $2.01 | $1.73 | $-5.86 |
| Basic EPS | $6.33 | $2.01 | $1.73 | $-5.86 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $-98,786 | $-6,534,031 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $0 | $-767,000 | $-91,959,000 |
| Total Unusual Items Excluding Goodwill | $0 | $0 | $-767,000 | $-91,959,000 |
| Reconciled Depreciation | $12,699,000 | $9,551,000 | $8,689,000 | $8,359,000 |
| EBIT | $267,151,000 | $93,610,000 | $63,215,000 | $-157,361,000 |
| Diluted Average Shares | $30,949,899 | $30,654,611 | $26,252,328 | $26,343,826 |
| Basic Average Shares | $30,890,609 | $30,595,348 | $26,193,065 | $26,343,826 |
| Diluted NI Availto Com Stockholders | $195,594,000 | $61,539,000 | $45,307,000 | $-154,363,000 |
| Tax Provision | $63,670,000 | $21,136,000 | $6,698,000 | $-11,807,000 |
| Impairment Of Capital Assets | $0 | $0 | $767,000 | $91,959,000 |
| Selling General And Administration | $74,872,000 | $72,638,000 | $61,677,000 | $70,396,000 |
| Other Gand A | $74,872,000 | $72,638,000 | $61,677,000 | $70,396,000 |
| Net Policyholder Benefits And Claims | $313,246,000 | $447,048,000 | $426,129,000 | $501,162,000 |
| Policyholder Benefits Gross | $266,953,000 | $1,162,476,000 | $875,475,000 | $1,318,001,000 |
| Policyholder Benefits Ceded | $-46,293,000 | $715,428,000 | $449,346,000 | $816,839,000 |
Fetched: 2026-06-23
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $475,062,000 | $254,427,000 | $177,725,000 | $81,464,000 |
| Total Assets | $2,195,822,000 | $2,468,924,000 | $2,119,572,000 | $2,392,600,000 |
| Goodwill And Other Intangible Assets | $30,189,000 | $36,372,000 | $42,555,000 | $49,575,000 |
| Other Intangible Assets | $30,189,000 | $36,372,000 | $42,555,000 | $49,575,000 |
| Prepaid Assets | $325,769,000 | $314,079,000 | $299,189,000 | $306,977,000 |
| Receivables | $426,048,000 | $844,880,000 | $586,781,000 | $909,926,000 |
| Other Receivables | $12,129,000 | $2,542,000 | $1,508,000 | - |
| Accounts Receivable | $413,919,000 | $842,338,000 | $571,919,000 | $897,808,000 |
| Cash Cash Equivalents And Short Term Investments | $658,681,000 | $543,999,000 | $553,169,000 | $394,564,000 |
| Cash And Cash Equivalents | $559,274,000 | $452,666,000 | $463,640,000 | $280,881,000 |
| Taxes Receivable | - | $0 | $13,354,000 | $12,118,000 |
| Debt | ||||
| Total Debt | $99,815,000 | $141,335,000 | $148,194,000 | $160,190,000 |
| Long Term Debt And Capital Lease Obligation | $25,752,000 | $61,210,000 | $58,569,000 | $61,065,000 |
| Long Term Debt | $4,365,000 | $36,194,000 | $30,107,000 | $29,818,000 |
| Current Debt And Capital Lease Obligation | $74,063,000 | $80,125,000 | $89,625,000 | $99,125,000 |
| Current Debt | $74,063,000 | $80,125,000 | $89,625,000 | $99,125,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,690,571,000 | $2,178,125,000 | $1,899,292,000 | $2,261,561,000 |
| Payables And Accrued Expenses | $275,312,000 | $267,071,000 | $195,587,000 | $236,827,000 |
| Interest Payable | $26,000 | $146,000 | $325,000 | $733,000 |
| Payables | $275,286,000 | $266,925,000 | $195,262,000 | $236,094,000 |
| Other Payable | $19,358,000 | $17,427,000 | $17,714,000 | $17,558,000 |
| Total Tax Payable | $4,282,000 | $1,284,000 | $1,486,000 | $1,001,000 |
| Income Tax Payable | $4,282,000 | $1,284,000 | $1,486,000 | $1,001,000 |
| Accounts Payable | $251,646,000 | $248,214,000 | $176,008,000 | $217,463,000 |
| Dividends Payable | - | $0 | $54,000 | $72,000 |
| Non Current Deferred Liabilities | - | - | $33,627,000 | $42,758,000 |
| Non Current Deferred Taxes Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $505,251,000 | $290,799,000 | $220,280,000 | $131,039,000 |
| Total Equity Gross Minority Interest | $505,251,000 | $290,799,000 | $220,280,000 | $131,039,000 |
| Stockholders Equity | $505,251,000 | $290,799,000 | $220,280,000 | $131,039,000 |
| Gains Losses Not Affecting Retained Earnings | $-10,555,000 | $-28,604,000 | $-35,250,000 | $-53,585,000 |
| Other Equity Adjustments | $-10,555,000 | $-28,604,000 | $-35,250,000 | $-53,585,000 |
| Retained Earnings | $283,250,000 | $87,656,000 | $26,117,000 | $-19,190,000 |
| Long Term Equity Investment | - | - | $7,067,000 | $16,484,000 |
| Investments In Other Ventures Under Equity Method | - | - | $7,067,000 | $16,484,000 |
| Other | ||||
| Treasury Shares Number | $12,337,809 | $12,231,674 | $12,231,674 | $12,231,674 |
| Ordinary Shares Number | $30,833,776 | $30,607,039 | $30,218,938 | $25,539,433 |
| Share Issued | $43,171,585 | $42,838,713 | $42,450,612 | $37,771,107 |
| Tangible Book Value | $475,062,000 | $254,427,000 | $177,725,000 | $81,464,000 |
| Invested Capital | $583,679,000 | $407,118,000 | $340,012,000 | $259,982,000 |
| Capital Lease Obligations | $21,387,000 | $25,016,000 | $28,462,000 | $31,247,000 |
| Total Capitalization | $509,616,000 | $326,993,000 | $250,387,000 | $160,857,000 |
| Treasury Stock | $133,183,000 | $130,900,000 | $130,900,000 | $130,900,000 |
| Additional Paid In Capital | $365,736,000 | $362,644,000 | $360,310,000 | $334,711,000 |
| Capital Stock | $3,000 | $3,000 | $3,000 | $3,000 |
| Common Stock | $3,000 | $3,000 | $3,000 | $3,000 |
| Employee Benefits | $8,844,000 | $8,926,000 | $9,461,000 | $6,594,000 |
| Long Term Capital Lease Obligation | $21,387,000 | $25,016,000 | $28,462,000 | $31,247,000 |
| Line Of Credit | $74,063,000 | $80,125,000 | $89,625,000 | $99,125,000 |
| Current Accrued Expenses | $26,000 | $146,000 | $325,000 | $733,000 |
| Investments And Advances | $714,301,000 | $657,491,000 | $562,348,000 | $637,086,000 |
| Net PPE | $45,730,000 | $59,012,000 | $57,659,000 | $53,196,000 |
| Other Short Term Investments | $99,407,000 | $91,333,000 | $89,529,000 | $113,683,000 |
| Non Current Deferred Revenue | - | - | $33,627,000 | $42,758,000 |
| Goodwill | - | - | - | $0 |
Fetched: 2026-06-23
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $174,164,000 | $78,865,000 | $60,525,000 | $-46,642,000 |
| Operating Activities | ||||
| Operating Cash Flow | $182,238,000 | $87,095,000 | $70,415,000 | $-34,260,000 |
| Cash Flow From Continuing Operating Activities | $182,238,000 | $87,095,000 | $70,415,000 | $-34,260,000 |
| Operating Gains Losses | $-2,713,000 | $705,000 | $937,000 | $-141,000 |
| Investing Activities | ||||
| Capital Expenditure | $-8,074,000 | $-8,230,000 | $-9,890,000 | $-12,382,000 |
| Investing Cash Flow | $-32,673,000 | $-91,599,000 | $100,806,000 | $-37,862,000 |
| Cash Flow From Continuing Investing Activities | $-32,673,000 | $-91,599,000 | $100,806,000 | $-37,862,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-2,283,000 | $-3,000 | $0 | $-7,343,000 |
| Issuance Of Capital Stock | $0 | - | $24,666,000 | $0 |
| Financing Cash Flow | $-40,629,000 | $-5,190,000 | $14,546,000 | $-5,058,000 |
| Cash Flow From Continuing Financing Activities | $-40,629,000 | $-5,190,000 | $14,546,000 | $-5,058,000 |
| Net Other Financing Charges | $-2,296,000 | $-917,000 | $-429,000 | $-94,000 |
| Net Common Stock Issuance | $-2,283,000 | $-3,000 | $24,666,000 | $-7,343,000 |
| Common Stock Issuance | $0 | - | $24,666,000 | $0 |
| Dividends Received Cfi | $-21,000 | $-270,000 | $-152,000 | $0 |
| Cash Dividends Paid | - | - | $-11,000 | $-4,770,000 |
| Common Stock Dividend Paid | - | - | $-11,000 | $-4,770,000 |
| Other | ||||
| Repayment Of Debt | $-36,050,000 | $-9,770,000 | $-9,680,000 | $-27,851,000 |
| Issuance Of Debt | $0 | $5,500,000 | $0 | $35,000,000 |
| Interest Paid Supplemental Data | $6,891,000 | $9,466,000 | $9,312,000 | $7,837,000 |
| Income Tax Paid Supplemental Data | $57,858,000 | $12,590,000 | $7,894,000 | - |
| End Cash Position | $572,581,000 | $463,645,000 | $473,339,000 | $287,572,000 |
| Beginning Cash Position | $463,645,000 | $473,339,000 | $287,572,000 | $364,752,000 |
| Changes In Cash | $108,936,000 | $-9,694,000 | $185,767,000 | $-77,180,000 |
| Common Stock Payments | $-2,283,000 | $-3,000 | $0 | $-7,343,000 |
| Net Issuance Payments Of Debt | $-36,050,000 | $-4,270,000 | $-9,680,000 | $7,149,000 |
| Net Long Term Debt Issuance | $-36,050,000 | $-4,270,000 | $-9,680,000 | $7,149,000 |
| Long Term Debt Payments | $-36,050,000 | $-9,770,000 | $-9,680,000 | $-27,851,000 |
| Long Term Debt Issuance | $0 | $5,500,000 | $0 | $35,000,000 |
| Net Investment Purchase And Sale | $-27,762,000 | $-83,099,000 | $110,848,000 | $-25,480,000 |
| Sale Of Investment | $316,882,000 | $203,871,000 | $341,591,000 | $109,519,000 |
| Purchase Of Investment | $-344,644,000 | $-286,970,000 | $-230,743,000 | $-134,999,000 |
| Net PPE Purchase And Sale | $-4,890,000 | $-8,230,000 | $-9,890,000 | $-12,382,000 |
| Sale Of PPE | $3,184,000 | $0 | $0 | - |
| Purchase Of PPE | $-8,074,000 | $-8,230,000 | $-9,890,000 | $-12,382,000 |
| Change In Working Capital | $-28,853,000 | $18,621,000 | $15,476,000 | $24,963,000 |
| Change In Other Current Liabilities | $-4,862,000 | $72,000 | $-12,708,000 | $10,125,000 |
| Change In Other Current Assets | $-7,701,000 | $4,543,000 | $1,861,000 | $1,049,000 |
| Change In Payables And Accrued Expense | $9,216,000 | $67,369,000 | $-37,523,000 | $6,652,000 |
| Change In Accrued Expense | $39,000 | $-714,000 | $2,457,000 | $-1,423,000 |
| Change In Interest Payable | $121,000 | $-179,000 | $-410,000 | $-3,000 |
| Change In Payable | $9,177,000 | $68,083,000 | $-39,980,000 | $8,075,000 |
| Change In Account Payable | $5,741,000 | $67,237,000 | $-39,980,000 | $8,075,000 |
| Change In Tax Payable | $3,436,000 | $846,000 | $0 | $0 |
| Change In Income Tax Payable | $3,436,000 | $846,000 | $0 | $0 |
| Change In Prepaid Assets | $2,763,000 | $-15,580,000 | $12,755,000 | $-41,104,000 |
| Change In Receivables | $428,051,000 | $-257,116,000 | $323,797,000 | $-556,870,000 |
| Changes In Account Receivables | $428,051,000 | $-270,470,000 | $325,033,000 | $-556,491,000 |
| Other Non Cash Items | $-1,836,000 | $51,000 | $856,000 | $-1,000 |
| Stock Based Compensation | $5,388,000 | $3,254,000 | $1,362,000 | $2,008,000 |
| Asset Impairment Charge | $0 | $0 | $767,000 | $91,959,000 |
| Deferred Tax | $2,375,000 | $-4,839,000 | $40,000 | $-11,202,000 |
| Deferred Income Tax | $2,375,000 | $-4,839,000 | $40,000 | $-11,202,000 |
| Depreciation And Amortization | $12,699,000 | $9,551,000 | $8,689,000 | $8,359,000 |
| Gain Loss On Investment Securities | $-2,713,000 | $705,000 | $937,000 | $258,000 |
| Net Income From Continuing Operations | $195,594,000 | $61,539,000 | $45,307,000 | $-154,363,000 |
| Change In Other Working Capital | - | $0 | $0 | $1,622,000 |
| Gain Loss On Sale Of PPE | - | - | $-35,000 | $-399,000 |
| Net Short Term Debt Issuance | - | - | - | $-5,000,000 |
| Short Term Debt Payments | - | - | - | $-5,000,000 |
| Unrealized Gain Loss On Investment Securities | - | - | - | $0 |
| Short Term Debt Issuance | - | - | - | - |
Fetched: 2026-06-23