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 $854.63M, above the global median of $548.88M
- Interpretations1 currently firing — 1
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Sign inThe reported statements, read against the company's own industry.
Financials view
Market Capitalization
989.20MUSDvs all stocks (USD)
Trailing P/E
4.75xRevenue (TTM)
854.63MUSDvs all stocks (USD)
Profit Margin
25.19%Beta
0.9240xvs all stocks
52-Week Change
36.58%vs all stocks
Market Capitalization
989.20MUSDvs all stocks (USD)
Enterprise Value
464.69MUSDvs all stocks (USD)
Trailing P/E
4.75xForward P/E
6.42xPEG Ratio
0.1442xPrice to Sales (TTM)
1.16xPrice to Book (MRQ)
1.69xEnterprise to Revenue
0.5440xEnterprise to EBITDA
1.51xProfit Margin
25.19%Operating Margin
39.15%Return on Assets (TTM)
7.38%Return on Equity (TTM)
45.28%Revenue (TTM)
854.63MUSDvs all stocks (USD)
Revenue per Share (TTM)
27.89USDUpdated Sep 27, 2026Quarterly Revenue Growth
3.00%Gross Profit (TTM)
387.91MUSDvs all stocks (USD)
EBITDA (TTM)
307.41MUSDvs all stocks (USD)
Net Income (TTM)
215.29MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
28.50%Operating Cash Flow (TTM)
304.66MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
257.34MUSDvs 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
29.73MSharesUpdated Sep 27, 2026Float Shares
22.12MSharesUpdated Sep 27, 2026Shares Short
852.46KSharesUpdated Sep 27, 2026Short Ratio
3.48daysvs all stocks
Short % of Shares Outstanding
3.17%vs all stocks
% Held by Insiders
20.03%vs all stocks
% Held by Institutions
68.09%vs all stocks
Total Cash (MRQ)
587.60MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
20.35USDUpdated Sep 27, 2026Total Debt (MRQ)
91.83MUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
0.1618xCurrent Ratio (MRQ)
0.8170xBook Value per Share (MRQ)
19.67USDUpdated Sep 27, 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
20.48USDUpdated Sep 27, 202652-Week High
36.50USDUpdated Sep 27, 202652-Week Change
36.58%vs all stocks
Beta
0.9240xvs all stocks
50-Day MA
32.32USDUpdated Sep 27, 2026200-Day MA
27.70USDUpdated Sep 27, 2026Avg 10-Day Volume
292.04KSharesUpdated Sep 27, 2026Avg 30-Day Volume
266.37KSharesUpdated Sep 27, 2026Diluted EPS (TTM)
7.01USDUpdated Sep 27, 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 $854.63M, above the global median of $548.88MNotable
Revenue (USD): 854,630,016Global Median: 548,883,780.48
Levered free cash flow is $257.34M, above the global median of $18.73MNotable
Levered free cash flow (USD): 257,338,000Global Median: 18,729,043.027
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