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Heritage Insurance Holdings, Inc.

HRTG

$32.76 ▼ -2.42 (-6.88%) at close

14 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Heritage Insurance Holdings, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.0B

Dividend Yield —

Revenue Growth 3.7% ↘

Op. Margin 31.5% ↗

ROIC None

FCF / Share None

Trailing P/E 5.2x

Price / Book 2.0x

FCF Yield —

Debt / Equity 0.16

info Valuation on last close. End-of-day price, Aug 7, 2026.

14-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$847.33M

↑ +3.7% —

Net Income Profit after all expenses

$195.59M

↑ +217.8% —

Operating Margin Operating profit as % of sales

31.5%

↑ +175.2% 87th

Long-Term Debt Long-term obligations

$78.43M

↓ -32.6% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.06 Latest / share

-75.0% YoY

+2.6% 8-yr CAGR

FY 2014

$0.05

FY 2015

$0.23

FY 2016

$0.30

FY 2017

$0.24

FY 2018

$0.24

FY 2019

$0.24

FY 2020

$0.24

FY 2021

$0.06

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Revenue Growth YoY (%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	11.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	11.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+84%)	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	6.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+7%)	16.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+168%)	6.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	18.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+201%)	-7.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-223%)	11.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	68.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1047%)	87.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1355%)	—	—
EPS Growth YoY (%)	214.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	16.2% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	-117.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-66.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-6.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-63.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	60.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-19.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	217.8% Excellent ↑ Excellent Improving Year-over-year change in net income	35.8% Excellent Excellent Year-over-year change in net income	N/M	-106.6% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-67.4% Weak Weak Year-over-year change in net income	5.5% Fair Fair Year-over-year change in net income	N/M	N/M	-63.4% Weak ↓ Weak Declining Year-over-year change in net income	96.4% Excellent Excellent Year-over-year change in net income	37.7% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.6% Fair → Fair Stable Compound annual revenue growth over 3 years	9.0% Fair → Fair Stable Compound annual revenue growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.0% Fair → Fair Stable Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	13.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	20.3% Excellent Excellent Compound annual revenue growth over 3 years	52.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.9% Good → Good Stable Compound annual revenue growth over 5 years	10.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	16.9% Excellent Excellent Compound annual revenue growth over 5 years	30.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	73.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	-4.9% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-30.1% Weak Weak Compound annual EPS growth over 3 years	—	-21.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Operating Margin (%) (%)	31.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	11.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	8.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-23.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-195%)	-10.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-143%)	1.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	9.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	14.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	12.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	12.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	38.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	31.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	44.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	—
Effective Tax Rate (%) (%)	24.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-321.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.4% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	81.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	40.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.4% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	23.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	7.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	6.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	-23.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-206%)	-11.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-154%)	1.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	5.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	5.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	-0.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	7.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	23.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	20.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	27.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	12.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-6.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.5% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	17.9% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	12.1% Good Good Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	38.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+223%)	21.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+76%)	20.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+71%)	-117.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1082%)	-21.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-282%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	6.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	-0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	25.9% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+116%)	18.5% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+54%)	42.8% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+256%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Debt to Equity (x)	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.40x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.54x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.98x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.29x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.35x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.49x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.20x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Revenue per Share (USD)	$27.43	$26.70	$28.08	$25.15	$22.71	$21.21	$17.50	$18.51	$15.17	$14.81	$13.13	$9.52	$8.72	—
Basic EPS, GAAP (USD)	$6.33	$2.01	$1.73	$-5.86	$-2.69	$0.33	$0.98	$1.05	$-0.04	$1.14	$3.08	$1.92	$2.39	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	$0.06	$0.24	$0.24	$0.24	$0.24	$0.30	$0.23	$0.05	—	—	—
Book Value per Share (USD)	$16.39	$9.50	$7.29	$5.13	$12.82	$15.94	$15.66	$14.43	$14.67	$12.41	$11.71	$10.38	$5.71	—
Tangible Book Value per Share (USD)	$15.41	$8.31	$5.88	$3.19	$7.29	$8.20	$7.95	$6.65	$4.86	$9.88	$11.38	$10.29	$5.71	—
Basic Weighted Avg Shares (shares)	30.89M	30.60M	26.19M	26.34M	27.80M	27.98M	29.21M	25.94M	26.80M	29.63M	30.06M	24.57M	14.31M	—
Dividend Payout Ratio (%)	—	—	—	-1.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-8.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	72.7% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	22.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$78.43M	$116.32M	$119.73M	$128.94M	$120.76M	$121.00M	$129.25M	$148.79M	$184.41M	$72.91M	—	—	—	—
Total Equity (USD)	$505.25M	$290.80M	$220.28M	$131.04M	$343.05M	$442.34M	$448.80M	$425.33M	$379.82M	$357.96M	$356.55M	$255.09M	$79.98M	$28.12M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Sales/Revenue/Turnover (USD)	$847.33M	$816.99M	$735.50M	$662.46M	$631.56M	$593.38M	$511.31M	$480.17M	$406.62M	$438.96M	$394.79M	$233.82M	$124.83M	—
Depreciation Expense (USD)	$6.50M	$3.40M	$2.40M	$2.00M	$2.10M	$1.60M	$2.20M	$2.30M	$1.60M	$1.60M	$1.30M	$800.00K	$200.00K	—
Net Income, GAAP (USD)	$195.59M	$61.54M	$45.31M	$-154.36M	$-74.73M	$9.33M	$28.64M	$27.16M	$-1.12M	$33.87M	$92.51M	$47.10M	$34.21M	—
Operating Cash Flow (USD)	$182.24M	$87.09M	$70.42M	$-34.26M	$60.13M	$170.21M	$119.66M	$96.34M	$7.49M	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Premiums Earned (USD)	$794.16M	$767.86M	$697.18M	$637.07M	$611.07M	$544.72M	$478.71M	$454.18M	$379.56M	$411.72M	$376.27M	$223.61M	$95.16M	—
Loss Ratio (%) (%)	39.4%	58.2%	61.1%	78.7%	69.9%	68.5%	57.1%	52.3%	53.1%	58.0%	37.5%	40.1%	40.5%	—

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Synced 1 week ago 14 years · 50 quarters

Heritage Insurance Holdings, Inc.

Analytical Summary

14-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

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