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Heritage Insurance Holdings, Inc. HRTG

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Price alert · HRTG

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33.40 USD -0.29 (-0.86%)

Nov 6, 2026, 2:26 PM EST

32.85 Day range 33.78
20.48 52-week range 37.87
YTD
+14.15%
1 year
+19.93%

Financial health

Altman Z-Score

1.73 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A4 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 2

Valuation

P/E 4.6×
FY 2016: 13.7×FY 2017: -431×FY 2018: 14.0×FY 2019: 13.5×FY 2020: 30.7×FY 2021: -2.2×FY 2022: -0.3×FY 2023: 3.8×FY 2024: 6.0×FY 2025: 4.6×
FY 2016 5y median 3.8× FY 2025
P/S 1.1×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.5×FY 2025: 1.1×
FY 2016 5y median 0.3× FY 2025
P/B 1.8×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.8×FY 2024: 1.3×FY 2025: 1.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 5.2×
FY 2016: 6.3×FY 2017: 67.2×FY 2018: 4.1×FY 2019: 3.4×FY 2020: 1.7×FY 2021: 2.8×FY 2022: -1.0×FY 2023: 2.8×FY 2024: 4.7×FY 2025: 5.2×
FY 2016 5y median 2.8× FY 2025
EV/EBITDA 1.6×
FY 2016: 6.6×FY 2017: 34.1×FY 2018: 3.3×FY 2019: 4.3×FY 2020: -1.6×FY 2021: 0.7×FY 2022: 0.5×FY 2023: -2.0×FY 2024: 0.6×FY 2025: 1.6×
FY 2016 5y median 0.6× FY 2025
EV/Sales 0.5×
FY 2016: 1.0×FY 2017: 1.3×FY 2018: 0.6×FY 2019: 0.5×FY 2020: -0.0×FY 2021: -0.1×FY 2022: -0.1×FY 2023: -0.2×FY 2024: 0.1×FY 2025: 0.5×
FY 2016 5y median -0.1× FY 2025
FCF Yield 19.3%
FY 2016: 15.8%FY 2017: 1.5%FY 2018: 24.4%FY 2019: 29.6%FY 2020: 59.8%FY 2021: 36.2%FY 2022: -98.4%FY 2023: 35.4%FY 2024: 21.3%FY 2025: 19.3%
FY 2016 5y median 21.3% FY 2025

Profitability

Gross Margin 63.0%
FY 2016: 26.4%FY 2017: 29.8%FY 2018: 32.9%FY 2019: 25.4%FY 2020: 15.5%FY 2021: 9.2%FY 2022: 0.8%FY 2023: 19.3%FY 2024: 21.9%FY 2025: 63.0%
FY 2016 5y median 19.3% FY 2025
Operating Margin 30.6%
FY 2016: 12.8%FY 2017: -1.4%FY 2018: 8.1%FY 2019: 8.0%FY 2020: 0.4%FY 2021: -12.0%FY 2022: -25.1%FY 2023: 7.1%FY 2024: 10.1%FY 2025: 30.6%
FY 2016 5y median 7.1% FY 2025
Net Margin 23.1%
FY 2016: 7.7%FY 2017: -0.3%FY 2018: 5.7%FY 2019: 5.6%FY 2020: 1.6%FY 2021: -11.8%FY 2022: -23.3%FY 2023: 6.2%FY 2024: 7.5%FY 2025: 23.1%
FY 2016 5y median 6.2% FY 2025
ROE 38.7%
FY 2016: 9.5%FY 2017: -0.3%FY 2018: 6.4%FY 2019: 6.4%FY 2020: 2.1%FY 2021: -21.8%FY 2022: -117.8%FY 2023: 20.6%FY 2024: 21.2%FY 2025: 38.7%
FY 2016 5y median 20.6% FY 2025
ROIC 32.3%
FY 2016: 4.7%FY 2017: -0.1%FY 2018: 1.5%FY 2019: 36.1%FY 2020: 3.2%FY 2021: -15.1%FY 2022: -53.0%FY 2023: 13.5%FY 2024: 14.2%FY 2025: 32.3%
FY 2016 5y median 13.5% FY 2025
ROA 8.9%
FY 2016: 3.3%FY 2017: -0.1%FY 2018: 1.5%FY 2019: 1.5%FY 2020: 0.4%FY 2021: -3.8%FY 2022: -6.5%FY 2023: 2.1%FY 2024: 2.5%FY 2025: 8.9%
FY 2016 5y median 2.1% FY 2025

Growth (YoY)

Revenue 3.7%
FY 2016: 11.2%FY 2017: -7.4%FY 2018: 18.1%FY 2019: 6.5%FY 2020: 16.1%FY 2021: 6.4%FY 2022: 4.9%FY 2023: 11.0%FY 2024: 11.1%FY 2025: 3.7%
FY 2016 FY 2025
Operating Income 213.6%
FY 2016: -62.5%FY 2017: -110.4%FY 2018: 761.8%FY 2019: 5.1%FY 2020: -94.6%FY 2021: -3535.8%FY 2022: -118.5%FY 2023: 131.3%FY 2024: 59.0%FY 2025: 213.6%
FY 2016 FY 2025
EPS (diluted) 214.4%
FY 2016: -62.6%FY 2017: -103.7%FY 2018: 2588.0%FY 2019: -5.8%FY 2020: -66.3%FY 2021: -915.2%FY 2022: -117.8%FY 2023: 129.5%FY 2024: 16.2%FY 2025: 214.4%
FY 2016 FY 2025
Free Cash Flow 120.8%
FY 2016: -51.9%FY 2017: -90.2%FY 2018: 1197.1%FY 2019: 23.1%FY 2020: 47.8%FY 2021: -65.1%FY 2022: -178.9%FY 2023: 229.8%FY 2024: 30.3%FY 2025: 120.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.9×
FY 2016: 7.4×FY 2017: 43.9×FY 2018: 6.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.1×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
Quick Ratio 0.9×
FY 2016: 11.4×FY 2017: 88.2×FY 2018: 8.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.1×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
Debt / Equity 0.2×
FY 2016: 0.2×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 1.2×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.2×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -1.6×
FY 2016: -0.5×FY 2017: 2.0×FY 2018: -1.2×FY 2019: -2.2×FY 2020: -17.1×FY 2021: 3.5×FY 2022: 0.8×FY 2023: -4.4×FY 2024: -3.0×FY 2025: -1.6×
FY 2016 5y median -1.6× FY 2025
Interest Coverage 32.9×
FY 2016: 156×FY 2017: -0.4×FY 2018: 1.9×FY 2019: 4.8×FY 2020: 0.3×FY 2021: -9.5×FY 2022: -18.9×FY 2023: 4.6×FY 2024: 7.6×FY 2025: 32.9×
FY 2016 5y median 4.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 1.5%FY 2017: 1.7%FY 2018: 1.7%FY 2019: 1.8%FY 2020: 2.4%FY 2021: 4.1%FY 2022: 10.1%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 20.1%FY 2017: -737.2%FY 2018: 23.5%FY 2019: 24.3%FY 2020: 73.5%FY 2021: -9.0%FY 2022: -3.1%FY 2023: 0.0%FY 2024: 0.1%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31