Heritage Insurance Holdings, Inc. HRTG

Financial — Insurance Property & Casualty

33.27 0.09 0.27% as of 25 Sep

Market cap: $986.5M
P/E: 4.7×

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Dividend Champion (5y) Cash Flow Champion (3y) Revenue Champion (5y) Insider Buys (last 12m)

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

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	4.62	5.99	3.74	0.00	0.00	30.70	13.52	14.02	0.00	14.03
P/S ratio Full definition →	1.07	0.45	0.23	0.07	0.26	0.48	0.76	0.80	1.17	1.08
P/FCF ratio Full definition →	5.10	4.69	2.79	0.00	2.77	1.67	3.38	4.06	66.73	5.83
P/Operating CF Full definition →	65.47	(6.60)	1.69	(2.60)	(12.93)	5.49	110.47	10.61	(5.26)	(28.47)
P/B ratio Full definition →	1.79	1.27	0.77	0.37	0.48	0.64	0.86	0.90	1.25	1.32
Price to Tangible BV Full definition →	1.90	1.46	0.95	0.60	0.84	1.25	1.70	1.95	3.77	1.66
EV/Sales Full definition →	0.48	0.03	(0.25)	(0.17)	(0.13)	(0.07)	0.46	0.56	1.19	0.96
EV/EBITDA Full definition →	1.47	0.23	0.00	2.08	0.00	0.00	3.51	2.51	7.07	5.69
EV/Operating CF Full definition →	2.25	0.26	(2.63)	3.21	(1.34)	(0.25)	1.95	2.78	64.62	5.06
EV/FCF Full definition →	2.31	0.29	(3.06)	2.36	(1.36)	(0.25)	2.03	2.85	68.12	5.16
Quick Ratio Full definition →	0.83	0.80	0.78	0.73	0.68	0.78	0.75	0.78	0.75	0.49
Current Ratio Full definition →	0.83	0.80	0.78	0.73	0.68	0.78	0.75	0.78	0.75	0.49
Net Debt/EBITDA Full definition →	(1.77)	(3.43)	(5.08)	3.00	(36.29)	(13.05)	(2.31)	(1.06)	0.14	(0.73)
Debt/Assets Full definition →	3.57%	4.71%	5.65%	5.39%	6.10%	5.79%	6.66%	8.41%	10.41%	7.06%
Debt/Equity Full definition →	0.16	0.40	0.54	0.98	0.35	0.27	0.29	0.35	0.49	0.20
Asset Turnover Full definition →	0.36	0.36	0.33	0.30	0.31	0.29	0.28	0.27	0.29	0.47
Operating CF/Net income Full definition →	0.93	1.42	1.55	0.22	(0.80)	18.25	4.18	3.55	(6.69)	2.45
Capex/Depreciation Full definition →	(0.40)	(1.06)	(1.54)	(0.12)	(0.01)	(0.05)	(0.29)	(0.06)	(0.02)	(0.10)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	49.14%	24.08%	25.79%	(65.12%)	(19.03%)	2.09%	6.55%	6.75%	(0.30%)	9.48%
ROA Full definition →	8.39%	2.68%	2.01%	(7.06%)	(3.67%)	0.46%	1.54%	1.53%	(0.08%)	3.62%
ROIC Full definition →	1,504.50%	0.00%	0.00%	0.00%	(42.95%)	5.44%	10.50%	13.94%	7.94%	11.67%
Return on Tangible Assets Full definition →	(79.67%)	(16.77%)	(13.28%)	28.34%	16.58%	(3.05%)	(9.27%)	(11.18%)	0.42%	(12.23%)
Average Days of Receivables Full definition →	310.56	514.74	436.46	670.49	357.70	437.07	513.88	489.22	619.56	133.08
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 →	10.97%	10.42%	10.57%	10.63%	10.42%	13.74%	15.75%	18.44%	17.64%	13.42%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.02	0.02	0.07	0.10	0.11	0.13	0.14	0.07
Share Based Compensation of Revenue Full definition →	0.64%	0.40%	0.19%	0.30%	0.18%	0.79%	1.05%	1.10%	1.18%	1.10%
Graham Net Nets Full definition →	(0.44)	(1.52)	(3.24)	(15.53)	(4.00)	(1.73)	(1.26)	(1.15)	(1.11)	(0.82)
Graham Number Full definition →	48.26	20.78	18.04	0.00	0.00	10.83	18.41	19.68	0.00	17.60
Earnings Yield Full definition →	21.63%	16.69%	26.71%	(314.05%)	(46.09%)	3.26%	7.40%	7.13%	(0.45%)	7.13%
Free Cash Flow Yield Full definition →	19.62%	21.30%	35.88%	(95.70%)	36.16%	59.79%	29.62%	24.63%	1.50%	17.17%
Revenue per Share Full definition →	27.43	26.70	28.08	25.15	22.71	21.21	17.50	18.51	15.17	14.81
Operating CF per Share Full definition →	5.90	2.85	2.69	(1.30)	2.16	6.08	4.10	3.71	0.28	2.80
Capex per Share Full definition →	(0.16)	(0.27)	(0.38)	(0.47)	(0.04)	(0.03)	(0.17)	(0.09)	(0.01)	(0.05)
Free Cash Flow per Share Full definition →	5.74	2.58	2.31	(1.77)	2.13	6.06	3.93	3.63	0.27	2.74
Cash per Share Full definition →	18.54	15.15	18.07	10.92	13.12	15.95	9.69	10.11	6.51	4.28
Shareholders Equity per Share Full definition →	16.36	9.50	8.41	4.97	12.34	15.81	15.36	16.40	14.17	12.08
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 →	16.36	9.50	8.41	4.97	12.34	15.81	15.36	16.40	14.17	12.08
Free Cash Flow Full definition →	177.35	78.87	60.53	(46.64)	59.12	169.46	114.67	94.06	7.10	81.33
Working Capital Full definition →	(273.77)	(404.97)	(374.36)	(570.38)	(468.17)	(324.20)	(329.63)	(260.92)	(284.26)	(294.04)
Capital Expenditures Full definition →	(4.89)	(8.23)	(9.89)	(12.38)	(1.01)	(0.75)	(4.98)	(2.28)	(0.38)	(1.62)
Net Current Asset Value Full definition →	(397.03)	(562.34)	(546.46)	(757.09)	(654.03)	(490.10)	(488.00)	(437.42)	(526.65)	(388.52)
EV/EBIT Full definition →	1.53	0.24	0.00	0.70	1.18	0.00	4.71	3.86	9.77	7.40
Capex to Sales Full definition →	0.01	0.01	0.01	0.02	0.00	0.00	0.01	0.00	0.00	0.00
Net Profit Margin Full definition →	23.08%	7.53%	6.16%	(23.30%)	(11.83%)	1.57%	5.60%	5.66%	(0.28%)	7.71%
Price to Operating Income Full definition →	3.38	3.95	2.67	0.00	0.00	27.83	7.81	5.49	9.57	8.35
Other line items
Depreciation/Fixed assets Full definition →	0.43	0.20	0.19	4.06	4.29	0.79	0.82	2.07	1.01	0.99
Cash ROIC Full definition →	13.32%	5.63%	4.57%	(10.96%)	5.15%	15.01%	11.49%	9.37%	(1.52%)	11.80%
Accounts Receivable Turnover Full definition →	0.90	0.80	0.70	0.72	0.95	0.83	0.75	0.72	0.96	3.26
Accounts Payable Turnover Full definition →	0.27	0.34	0.31	0.37	0.39	0.36	0.31	0.28	0.33	0.63
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 →	1,167.55	1,150.54	1,055.98	1,148.22	919.18	1,070.86	1,270.77	1,311.88	1,448.53	650.90
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 →	936.55	1,015.82	1,048.20	917.92	664.74	715.21	681.72	666.90	425.13	134.56
Average Payables Full definition →	1,785.15	1,864.79	1,893.00	1,756.05	1,457.83	1,399.48	1,242.40	1,145.09	854.52	511.47
Average Assets Full definition →	2,332.37	2,294.25	2,256.09	2,186.68	2,035.07	2,014.52	1,854.19	1,769.96	1,402.23	935.32
Average Common Equity Full definition →	398.03	255.54	175.66	237.05	392.70	445.57	437.07	402.57	368.89	357.26

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Heritage Insurance Holdings, Inc. HRTG

Heritage Insurance Holdings, Inc. HRTG

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