CompanyGraph
Heritage Insurance Holdings, Inc.
HRTG · NYSE Arca · United States
heritagepci.comFinancials as of FY2025
At a glance
- Depends onDownstream position: depends on 11 industries, supplies 5
- ScaleRevenue is $848.47M, above the global median of $520.53M
- Interpretations1 currently firing — 1
Sign in to view price data.
Sign inThe reported statements, read against the company's own industry.
Financials view
Market Capitalization
818.60MUSDvs all stocks (USD)
Trailing P/E
4.07xRevenue (TTM)
848.47MUSDvs all stocks (USD)
Profit Margin
23.76%Beta
0.8840xvs all stocks
52-Week Change
23.30%vs all stocks
Market Capitalization
818.60MUSDvs all stocks (USD)
Enterprise Value
365.53MUSDvs all stocks (USD)
Trailing P/E
4.07xForward P/E
5.61xPEG Ratio
0.2016xPrice to Sales (TTM)
0.9477xPrice to Book (MRQ)
1.50xEnterprise to Revenue
0.4310xEnterprise to EBITDA
1.27xProfit Margin
23.76%Operating Margin
23.90%Return on Assets (TTM)
8.13%Return on Equity (TTM)
47.47%Revenue (TTM)
848.47MUSDvs all stocks (USD)
Revenue per Share (TTM)
27.47USDUpdated Jul 19, 2026Quarterly Revenue Growth
0.50%Gross Profit (TTM)
369.55MUSDvs all stocks (USD)
EBITDA (TTM)
288.50MUSDvs all stocks (USD)
Net Income (TTM)
201.60MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
19.70%Operating Cash Flow (TTM)
206.26MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
159.88MUSDvs all stocks (USD)
5-Year Average Dividend Yield
3.46%vs all stocks
Payout Ratio
0.00%Revenue
774.43MUSDFY2025 · Dec 31, 2025Pre-tax Income
259.26MUSDFY2025 · Dec 31, 2025Income Tax Expense
63.67MUSDFY2025 · Dec 31, 2025Net Income
195.59MUSDFY2025 · Dec 31, 2025EBIT
267.15MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
74.87MUSDFY2025 · Dec 31, 2025Non-operating Interest Expense
7.89MUSDFY2025 · Dec 31, 2025EPS (Basic)
6.33USDFY2025 · Dec 31, 2025EPS (Diluted)
6.32USDFY2025 · Dec 31, 2025Basic Shares Outstanding
30.89MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
30.89MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
195.59MUSDFY2025 · Dec 31, 2025Operating Cash Flow
622.75MUSDFY2025 · Dec 31, 2025Free Cash Flow
617.86MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
572.58MUSDFY2025 · Dec 31, 2025Income Tax Paid
57.86MUSDFY2025 · Dec 31, 2025Interest Paid
6.89MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
195.59MUSDFY2025 · Dec 31, 2025Deferred Taxes (CF)
2.38MUSDFY2025 · Dec 31, 2025Stock-based Compensation
5.39MUSDFY2025 · Dec 31, 2025Other Non-cash Items
-1.84MUSDFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
428.05MUSDFY2025 · Dec 31, 2025Change in Accounts Payable (CF)
5.74MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-12.56MUSDFY2025 · Dec 31, 2025Capital Expenditures
-4.89MUSDFY2025 · Dec 31, 2025Purchase of Investments
-344.64MUSDFY2025 · Dec 31, 2025Sale of Investments
316.88MUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
-32.65MUSDFY2025 · Dec 31, 2025Long-term Debt Issuance
0.00USDFY2025 · Dec 31, 2025Long-term Debt Payments
-36.05MUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-2.28MUSDFY2025 · Dec 31, 2025Other Financing Charges
-2.30MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
-40.63MUSDFY2025 · Dec 31, 2025Shares Outstanding
30.33MSharesUpdated Jul 19, 2026Float Shares
22.67MSharesUpdated Jul 19, 2026Shares Short
980.72KSharesUpdated Jul 19, 2026Short Ratio
1.89daysvs all stocks
Short % of Shares Outstanding
3.57%vs all stocks
% Held by Insiders
19.78%vs all stocks
% Held by Institutions
66.05%vs all stocks
Total Cash (MRQ)
517.07MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
17.53USDUpdated Jul 19, 2026Total Debt (MRQ)
99.05MUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
0.1903xCurrent Ratio (MRQ)
0.7740xBook Value per Share (MRQ)
17.65USDUpdated Jul 19, 2026Total Assets
2.20BUSDvs all stocks (USD)
Total Liabilities
1.69BUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
559.27MUSDFY2025 · Dec 31, 2025Other Short-term Investments
99.41MUSDFY2025 · Dec 31, 2025Accounts Receivable
413.92MUSDFY2025 · Dec 31, 2025Accounts Payable
251.65MUSDFY2025 · Dec 31, 2025Short-term Debt
74.06MUSDFY2025 · Dec 31, 2025Long-term Debt
25.75MUSDFY2025 · Dec 31, 2025Common Stock (Book)
3.00KUSDFY2025 · Dec 31, 2025Retained Earnings
283.25MUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
505.25MUSDvs all stocks (USD)
Treasury Stock
133.18MUSDFY2025 · Dec 31, 202552-Week Low
16.82USDUpdated Jul 19, 202652-Week High
31.98USDUpdated Jul 19, 202652-Week Change
23.30%vs all stocks
Beta
0.8840xvs all stocks
50-Day MA
24.24USDUpdated Jul 19, 2026200-Day MA
26.18USDUpdated Jul 19, 2026Avg 10-Day Volume
252.17KSharesUpdated Jul 19, 2026Avg 30-Day Volume
421.21KSharesUpdated Jul 19, 2026Diluted EPS (TTM)
6.52USDUpdated Jul 19, 2026Other Income / Expense
13.30MUSDFY2025 · Dec 31, 20251 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
Cash Backing With OCF Coverage And Cash Near Total Debt
Cash on hand covers most or all of its total debt, and cash flow matches reported earnings.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Supply Chain
Downstream position: depends on 11 industries, supplies 5Notable
Outgoing: 5.00Incoming: 11.00
High connectivity hub: 16 industry connectionsNotable
Total Connections: 16.00
Scale
Revenue is $848.47M, above the global median of $520.53MNotable
Revenue (USD): 848,467,968Global Median: 520,528,949.311
Levered free cash flow is $159.88M, above the global median of $16.24MNotable
Levered free cash flow (USD): 159,882,128Global Median: 16,239,329.704
Companies that share the same coordination system — how they create, deliver, or capture value.
Allianz Malaysia Berhad
Tier 1RiskFloat-Funded Risk AbsorptionRule
Hippo Holdings Inc.
Tier 1RiskFloat-Funded Risk AbsorptionRuleSenseMaking
Agesa Hayat ve Emeklilik A.Ş.
Tier 1RiskFloat-Funded Risk AbsorptionRuleFlow
Tongyang Life Insurance Co., Ltd.
Tier 1RiskFloat-Funded Risk AbsorptionRule
Anadolu Hayat Emeklilik A.S.
Tier 1RiskFloat-Funded Risk AbsorptionRule
Wesure Global Tech Ltd.
Tier 1RiskFloat-Funded Risk AbsorptionRuleSenseMaking
Root, Inc. Class A Common Stock
Tier 1RiskFloat-Funded Risk AbsorptionRuleInterface
Donegal Group Inc.
Tier 1RiskFloat-Funded Risk AbsorptionRule
REVO Insurance S.p.A.
Tier 1RiskFloat-Funded Risk AbsorptionRule
Bangkok Life Assurance Public Company Limited
Tier 1RiskFloat-Funded Risk AbsorptionRule
Companies that share active interpretations — structural patterns currently present in both stocks.
Manhattan Associates Inc.
1 interpretationCash Backing With OCF Coverage And Cash Near Total Debt
California BanCorp
1 interpretationCash Backing With OCF Coverage And Cash Near Total Debt
Pagaya Technologies Ltd.
1 interpretationCash Backing With OCF Coverage And Cash Near Total Debt