Heritage Insurance Holdings, Inc.
Financials
Valuation Metrics
Heritage Insurance Holdings, Inc.'s Market Cap is $1.09B. At end of 2025 it was $904M. Ranked #2374 of 3,116 in US market (top 76%), #1413 of 1,644 on NYSE (top 86%), #80 of 93 in Insurance (top 86%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $1.09B | US#2,374/3,116 Sec#80/93 |
| Revenue | $782M | US#2,005/3,116 Sec#77/93 |
| Net Income | $215M | US#1,246/3,116 Sec#59/93 |
| Total Assets | $2.45B | US#1,944/3,116 Sec#78/93 |
| Net Assets | $568M | US#2,139/3,116 Sec#78/93 |
| Employees | 542 | US#2,235/3,116 Sec#75/93 |
| Value | ||
| P/E | 5.06x | US#58/3,116 Sec#6/93 |
| P/B | 1.92x | US#1,202/3,116 Sec#53/93 |
| PEG | 0.05x | US#121/3,116 Sec#10/93 |
| P/S | 1.39x | US#967/3,116 Sec#45/93 |
| EV/EBITDA | 1.93x | US#17/3,116 Sec#2/93 |
| FCF Yield | 27.80% | US#104/3,116 Sec#14/93 |
| Profitability | ||
| ROE | 37.92% | US#195/3,116 Sec#4/93 |
| ROA | 8.80% | US#574/3,116 Sec#13/93 |
| Op. Margin | 36.77% | US#354/3,116 Sec#12/93 |
| Revenue Growth | -7.12% | US#2,496/3,116 Sec#84/93 |
| Earnings Growth | 101.31% | US#293/3,116 Sec#16/93 |
| Financial Health | ||
| Debt Ratio | 330.40% | US#2,165/3,116 Sec#46/93 |
| Total Debt | $92M | US#2,452/3,116 Sec#80/93 |
| FCF | $303M | US#1,164/3,116 Sec#65/93 |
| Cash | $588M | US#972/3,116 Sec#45/93 |
| Current Ratio | 255.74x | US#23/3,116 Sec#7/93 |
| Net Debt/EBITDA | -1.61x | US#212/3,116 Sec#11/93 |
| Performance | ||
| 1Y Return | 52.14% | US#427/3,116 Sec#5/93 |
| 1M Return | 5.77% | US#965/3,116 Sec#44/93 |
| From 52W High | -5.07% | US#456/3,116 Sec#30/93 |
| 1Y MDD | -32.95% | US#1,510/3,116 Sec#73/93 |
| Trading | ||
| Volume | 225,819 shares | US#2,349/3,116 Sec#58/93 |
| Trading Value | $8M | US#2,188/3,116 Sec#67/93 |
| Per Share | ||
| EPS | $7.11 | US#462/3,116 Sec#38/93 |
| BPS | $18.75 | US#1,298/3,116 Sec#69/93 |
Company Info
Heritage Insurance Holdings, Inc. (HRTG) operates through its subsidiaries, specializing in providing comprehensive insurance products for both personal and commercial residential properties. For individual policyholders, the company offers personal residential property coverage, which includes policies for single-family homeowners, condominium owners, and rental properties. This extensive personal coverage is available across seventeen U.S. states: Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. Additionally, Heritage provides specific personal residential and wind-only property insurance options. In the commercial sector, Heritage delivers residential insurance solutions tailored for properties located in Florida, New Jersey, and New York. The company also holds a licensing credential in the state of Pennsylvania. Beyond its core insurance offerings, Heritage Insurance Holdings, Inc. also delivers various supplementary services, such as restoration, emergency and recovery operations, property management, and reinsurance services. The distribution of its personal line policies is facilitated through diverse channels, including a network of retail independent agents, wholesale agents, and a dedicated partnership with a direct agency. Furthermore, its market reach indirectly extends to approximately 1,500 retail locations via eight distinct wholesale agency relationships. Both personal and commercial insurance policies are also offered through a network comprising around 70 independent agencies. Established in 2012, Heritage Insurance Holdings, Inc. is headquartered in Tampa, Florida.