Saturday 17 October 2026 Export HRTG’s income statement to Excel — free account

Heritage Insurance Holdings, Inc.

HRTG Financial Insurance Property & Casualty

Heritage Insurance Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $847.3 million, up 3.71% from fiscal 2024. In the quarter to June 2026, revenue grew 2.96%, EPS grew 32.9%, free cash flow grew 237.6% and total debt fell 22.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five, operating cash flow growth for three; insiders bought in the last twelve months.

35.77 0.84 −2.29%

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Market cap: $1.1B
P/E: 5.1×
Fwd P/E: 5.1×
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	14.03	0.00	14.02	13.52	30.70	0.00	0.00	3.74	5.99	4.62
Piotroski F-Score Full definition →	4	5	8	6	7	5	4	9	8	7
P/S ratio Full definition →	1.08	1.17	0.80	0.76	0.48	0.26	0.07	0.23	0.45	1.07
P/FCF ratio Full definition →	5.83	66.73	4.06	3.38	1.67	2.77	0.00	2.79	4.69	5.10
P/Operating CF Full definition →	(28.47)	(5.26)	10.61	110.47	5.49	(12.93)	(2.60)	1.69	(6.60)	65.47
P/B ratio Full definition →	1.32	1.25	0.90	0.86	0.64	0.48	0.37	0.77	1.27	1.79
Price to Tangible BV Full definition →	1.66	3.77	1.95	1.70	1.25	0.84	0.60	0.95	1.46	1.90
EV/Sales Full definition →	0.96	1.19	0.56	0.46	(0.07)	(0.13)	(0.17)	(0.25)	0.03	0.48
EV/EBITDA Full definition →	5.69	7.07	2.51	3.51	0.00	0.00	2.08	0.00	0.23	1.47
EV/Operating CF Full definition →	5.06	64.62	2.78	1.95	(0.25)	(1.34)	3.21	(2.63)	0.26	2.25
EV/FCF Full definition →	5.16	68.12	2.85	2.03	(0.25)	(1.36)	2.36	(3.06)	0.29	2.31
Quick Ratio Full definition →	0.49	0.75	0.78	0.75	0.78	0.68	0.73	0.78	0.80	0.83
Current Ratio Full definition →	0.49	0.75	0.78	0.75	0.78	0.68	0.73	0.78	0.80	0.83
Net Debt/EBITDA Full definition →	(0.73)	0.14	(1.06)	(2.31)	(13.05)	(36.29)	3.00	(5.08)	(3.43)	(1.77)
Debt/Assets Full definition →	7.06%	10.41%	8.41%	6.66%	5.79%	6.10%	5.39%	5.65%	4.71%	3.57%
Debt/Equity Full definition →	0.20	0.49	0.35	0.29	0.27	0.35	0.98	0.54	0.40	0.16
Asset Turnover Full definition →	0.47	0.29	0.27	0.28	0.29	0.31	0.30	0.33	0.36	0.36
Operating CF/Net income Full definition →	2.45	(6.69)	3.55	4.18	18.25	(0.80)	0.22	1.55	1.42	0.93
Capex/Depreciation Full definition →	(0.10)	(0.02)	(0.06)	(0.29)	(0.05)	(0.01)	(0.12)	(1.54)	(1.06)	(0.40)
Interest Coverage Full definition →	156.81	3.75	3.47	5.82	1.28	(8.54)	(17.86)	5.64	8.56	33.87
ROE Full definition →	9.48%	(0.30%)	6.75%	6.55%	2.09%	(19.03%)	(65.12%)	25.79%	24.08%	49.14%
ROA Full definition →	3.62%	(0.08%)	1.53%	1.54%	0.46%	(3.67%)	(7.06%)	2.01%	2.68%	8.39%
ROIC Full definition →	11.67%	7.94%	13.94%	10.50%	5.44%	(42.95%)	0.00%	0.00%	0.00%	1,504.50%
Return on Tangible Assets Full definition →	(12.23%)	0.42%	(11.18%)	(9.27%)	(3.05%)	16.58%	28.34%	(13.28%)	(16.77%)	(79.67%)
Average Days of Receivables Full definition →	133.08	619.56	489.22	513.88	437.07	357.70	670.49	436.46	514.74	310.56
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	13.42%	17.64%	18.44%	15.75%	13.74%	10.42%	10.63%	10.57%	10.42%	10.97%
Intangible Assets out of Total Assets Full definition →	0.07	0.14	0.13	0.11	0.10	0.07	0.02	0.02	0.01	0.01
Share Based Compensation of Revenue Full definition →	1.10%	1.18%	1.10%	1.05%	0.79%	0.18%	0.30%	0.19%	0.40%	0.64%
Graham Net Nets Full definition →	(0.82)	(1.11)	(1.15)	(1.26)	(1.73)	(4.00)	(15.53)	(3.24)	(1.52)	(0.44)
Graham Number Full definition →	17.60	0.00	19.68	18.41	10.83	0.00	0.00	18.04	20.78	48.26
Earnings Yield Full definition →	7.13%	(0.45%)	7.13%	7.40%	3.26%	(46.09%)	(314.05%)	26.71%	16.69%	21.63%
Free Cash Flow Yield Full definition →	17.17%	1.50%	24.63%	29.62%	59.79%	36.16%	(95.70%)	35.88%	21.30%	19.62%
Revenue per Share Full definition →	14.81	15.17	18.51	17.50	21.21	22.71	25.15	28.08	26.70	27.43
Operating CF per Share Full definition →	2.80	0.28	3.71	4.10	6.08	2.16	(1.30)	2.69	2.85	5.90
Capex per Share Full definition →	(0.05)	(0.01)	(0.09)	(0.17)	(0.03)	(0.04)	(0.47)	(0.38)	(0.27)	(0.16)
Free Cash Flow per Share Full definition →	2.74	0.27	3.63	3.93	6.06	2.13	(1.77)	2.31	2.58	5.74
Cash per Share Full definition →	4.28	6.51	10.11	9.69	15.95	13.12	10.92	18.07	15.15	18.54
Shareholders Equity per Share Full definition →	12.08	14.17	16.40	15.36	15.81	12.34	4.97	8.41	9.50	16.36
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	12.08	14.17	16.40	15.36	15.81	12.34	4.97	8.41	9.50	16.36
Free Cash Flow Full definition →	81.33	7.10	94.06	114.67	169.46	59.12	(46.64)	60.53	78.87	177.35
Working Capital Full definition →	(294.04)	(284.26)	(260.92)	(329.63)	(324.20)	(468.17)	(570.38)	(374.36)	(404.97)	(273.77)
Capital Expenditures Full definition →	(1.62)	(0.38)	(2.28)	(4.98)	(0.75)	(1.01)	(12.38)	(9.89)	(8.23)	(4.89)
Net Current Asset Value Full definition →	(388.52)	(526.65)	(437.42)	(488.00)	(490.10)	(654.03)	(757.09)	(546.46)	(562.34)	(397.03)
EV/EBIT Full definition →	7.40	9.77	3.86	4.71	0.00	1.18	0.70	0.00	0.24	1.53
Capex to Sales Full definition →	0.00	0.00	0.00	0.01	0.00	0.00	0.02	0.01	0.01	0.01
Price to Operating Income Full definition →	8.35	9.57	5.49	7.81	27.83	0.00	0.00	2.67	3.95	3.38
Other line items
Depreciation/Fixed assets Full definition →	0.99	1.01	2.07	0.82	0.79	4.29	4.06	0.19	0.20	0.43
Cash ROIC Full definition →	14.59%	0.96%	11.24%	13.32%	16.78%	7.14%	(8.52%)	7.44%	9.06%	15.34%
Accounts Receivable Turnover Full definition →	3.26	0.96	0.72	0.75	0.83	0.95	0.72	0.70	0.80	0.90
Accounts Payable Turnover Full definition →	0.63	0.33	0.28	0.31	0.36	0.39	0.37	0.31	0.34	0.27
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	650.90	1,448.53	1,311.88	1,270.77	1,070.86	919.18	1,148.22	1,055.98	1,150.54	1,167.55
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	134.56	425.13	666.90	681.72	715.21	664.74	917.92	1,048.20	1,015.82	936.55
Average Payables Full definition →	511.47	854.52	1,145.09	1,242.40	1,399.48	1,457.83	1,756.05	1,893.00	1,864.79	1,785.15
Average Assets Full definition →	935.32	1,402.23	1,769.96	1,854.19	2,014.52	2,035.07	2,186.68	2,256.09	2,294.25	2,332.37
Average Common Equity Full definition →	357.26	368.89	402.57	437.07	445.57	392.70	237.05	175.66	255.54	398.03

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