Heritage Insurance Holdings, Inc.: stock overview

HRTGNYSEFinancial services · Fire, Marine & Casualty Insurance

Price

$33.68

November 13, 2026Market cap $1.0B

DCF calculator

What Ploutos Investor adds for Heritage Insurance

Part of Ploutos Investor, €9.99 a month

See the plans
  • The full history: 13 fiscal years, from 2013
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

In short

Heritage Insurance had revenue of $861M over the last 12 months and net income of $216M, a net margin of 25.1%. Revenue grew by 7.4% a year on average over the last 5 years. At $33.68 the shares trade at a P/E of 4.8, against a median of 4.6 over the last 3 fiscal years. It holds more cash than debt, by $618M. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$1.0B
30.72M shares
P/E
4.8
Today4.8
Median4.6
Revenue, 12 months
$861M
+7.4% a year over 5 years
Net margin
25.1%
2025: 23.1%, above 85% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+7.3% a year over 2 years

  • 202510-K
    Revenue$847M
  • 202410-K
    Revenue$817M
  • 202310-K
    Revenue$735M

Fiscal years in figures

HRTG's revenue, profit, cash flow and dividend with each year-end price, from 2013 to 2022, 10 more fiscal years

Part of Ploutos Investor, €9.99 a month

See the plans

Sign in with a free account to see the last 5 fiscal years.

Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $370M
$1.0B
Enterprise value 
$416M
P/E 3-year median: 4.6
4.8
EV / EBIT 
1.4
EV / Revenue 
0.5
P/B 3-year median: 1.3
1.7
FCF yield 3-year median: 21.3%
17.8%
Earnings yield 3-year median: 21.6%
20.9%

Profitability

Operating margin 
34.1%
Net margin 3-year median: 7.5%
25.1%
ROIC 
36.8%
ROIC, 5-year average 
1.9%
ROE 
41.1%

Growth

Revenue, yearly change 
+3.7%
EPS, yearly change 
+214.4%
FCF, yearly change 
+120.8%
Revenue, average a year 
+7.4%
EPS, average a year 
+80.5%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$702M
Total debt 
$90M
Of which operating leases 
$6.1M
Net cash 
$618M
Net debt / EBITDA 
-2.1x
Interest cover 
43.7x
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
0.22%
Total returned 
0.22%
Shares, yearly change 
+0.4%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 63).

Operating margin

31.5%

Above 93% of the 22 companies in its industry, and 93% of all.

Net margin

23.1%

Above 85% of the 109 companies in its industry, and 85% of all.

ROE

38.7%

Above 99% of the 108 companies in its industry, and 95% of all.

ROA

8.9%

Above 90% of the 110 companies in its industry, and 85% of all.

Revenue growth

3.7%

Above 33% of the 110 companies in its industry, and 41% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Heritage Insurance Holdings, Inc.
CIK
1598665
Exchange
NYSE
Industry (SIC)
6331 · Fire, Marine & Casualty Insurance
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
30.72M

Other companies: Financial services

The largest companies of the same sector, each with its own page.

The Financial services sectorAll companies

The full analysis

What do Heritage Insurance's filings show?

These are Heritage Insurance's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about HRTG

Didn't find what you were looking for?

Ask us
What is HRTG's market cap?

Heritage Insurance Holdings, Inc.'s market cap is $1.0B, at a price of $33.68 on November 13, 2026 and 30.72M shares.

What is HRTG's P/E?

HRTG's P/E is 4.8, on earnings per share of $7.11 over the last 12 months. The median over the last 3 fiscal years was 4.6.

How much revenue does HRTG have?

Heritage Insurance had revenue of $861M over the last 12 months. Over the last 5 years it changed by +7.4% a year on average.

Does HRTG pay a dividend?

No. Heritage Insurance paid no regular dividend over the last 12 months.

Where do the figures come from?

From Heritage Insurance Holdings, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.