Heritage Insurance Holdings, Inc.
Financials
Valuation Metrics
Heritage Insurance Holdings, Inc.'s Market Cap is $1.04B. At end of 2025 it was $904M. Ranked #2439 of 3,121 in US market (top 78%), #1449 of 1,658 on NYSE (top 87%), #80 of 93 in Insurance (top 86%) by Market Cap.
Investment Metrics(as of 2026-09-18)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $1.04B | US#2,439/3,121 Sec#80/93 |
| Revenue | $782M | US#2,028/3,121 Sec#78/93 |
| Net Income | $215M | US#1,257/3,121 Sec#60/93 |
| Total Assets | $2.45B | US#1,950/3,121 Sec#78/93 |
| Net Assets | $568M | US#2,150/3,121 Sec#78/93 |
| Employees | 542 | US#2,246/3,121 Sec#75/93 |
| Value | ||
| P/E | 4.85x | US#46/3,121 Sec#7/93 |
| P/B | 1.84x | US#1,162/3,121 Sec#53/93 |
| PEG | 0.05x | US#126/3,121 Sec#11/93 |
| P/S | 1.34x | US#951/3,121 Sec#46/93 |
| EV/EBITDA | 1.78x | US#17/3,121 Sec#2/93 |
| FCF Yield | 28.99% | US#93/3,121 Sec#14/93 |
| Profitability | ||
| ROE | 37.92% | US#195/3,121 Sec#4/93 |
| ROA | 8.80% | US#582/3,121 Sec#15/93 |
| Op. Margin | 36.77% | US#356/3,121 Sec#12/93 |
| Revenue Growth | -7.12% | US#2,546/3,121 Sec#86/93 |
| Earnings Growth | 101.31% | US#310/3,121 Sec#17/93 |
| Financial Health | ||
| Debt Ratio | 330.40% | US#2,176/3,121 Sec#48/93 |
| Total Debt | $92M | US#2,466/3,121 Sec#80/93 |
| FCF | $303M | US#1,164/3,121 Sec#66/93 |
| Cash | $588M | US#970/3,121 Sec#45/93 |
| Current Ratio | 255.74x | US#23/3,121 Sec#7/93 |
| Net Debt/EBITDA | -1.61x | US#209/3,121 Sec#11/93 |
| Performance | ||
| 1Y Return | 35.59% | US#680/3,121 Sec#7/93 |
| 1M Return | 3.45% | US#482/3,121 Sec#6/93 |
| From 52W High | -5.53% | US#162/3,121 Sec#9/93 |
| 1Y MDD | -32.95% | US#1,626/3,121 Sec#70/93 |
| Trading | ||
| Volume | 254,224 shares | US#2,607/3,121 Sec#68/93 |
| Trading Value | $9M | US#2,500/3,121 Sec#77/93 |
| Per Share | ||
| EPS | $7.11 | US#460/3,121 Sec#39/93 |
| BPS | $18.75 | US#1,305/3,121 Sec#71/93 |
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.