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Heritage Insurance Hldgs Inc (HRTG) Key Ratios

Stock Card factsheet share-fund-plan-icon

$34.44

up-down-arrow $0.49 (1.44%)

As on 08-Sep-2026 16:00EDT

Market cap

info icon

$1,039 Mln

Revenue (TTM)

info icon

$782 Mln

P/E Ratio

info icon

4.9

P/B Ratio

info icon

1.8

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 0.72 2.96 -7.12 3.64 4.67
EBIT 65.00 29.26 95.59 316.30 76.67
Net Profit 69.15 28.50 101.31 159.28 83.28
EPS 72.88 32.06 102.26 152.89 80.12
Book Value -- -- 72.05 47.66 0.48
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 17.193.4137.6731.5311.46
Net Margin info ---18.9527.54----
Return on equity info 33.012.9740.1349.1424.08
Return on Capital info 22.272.71--37.7215.37
Return on Assets info 4.360.475.258.392.68
Debt to Equity (x) info ----0.000.200.49

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
--
37.72
15.37
13.74
-39.27
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

40.13

Higher than Peers by 25.56

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
40.13
49.14
24.08
25.79
-65.12
Peer Median
14.57
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

5.25

Higher than Peers by 2.30

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
5.25
8.39
2.68
2.01
-7.06
Peer Median
2.96
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

37.67

Higher than Peers by 25.29

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
37.67
31.53
11.46
8.59
-23.75
Peer Median
12.38
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

27.54

Higher than Peers by 16.83

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
27.54
23.08
7.53
6.16
-25.81
Peer Median
10.71
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
0.00
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-7.12

Lower than Peers by 16.90

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
-7.12
0.04
0.11
0.11
0.05
Peer Median
9.78
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

95.59

Higher than Peers by 81.56

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
95.59
185.39
48.08
140.17
-131.20
Peer Median
14.04
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

101.31

Higher than Peers by 68.69

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
101.31
217.84
35.83
129.35
-106.57
Peer Median
32.62
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

102.26

Higher than Peers by 70.26

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
102.26
2.15
0.19
1.28
-1.20
Peer Median
32.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

52.22

Higher than Peers by 38.39

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
52.22
--
--
--
--
Peer Median
13.83
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

0.00

Lower than Peers by 0.24

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
0.00
0.20
0.49
0.67
1.22
Peer Median
0.24
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.01

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
0.01
0.15
0.28
0.41
0.76
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

255.74

Higher than Peers by 253.55

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
255.74
0.86
0.81
0.78
0.74
Peer Median
2.19
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

255.74

Higher than Peers by 252.75

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
255.74
--
--
1.07
1.63
Peer Median
3.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

41.78

Higher than Peers by 25.78

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
41.78
33.87
8.56
5.64
-17.86
Peer Median
16.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

12.03

Lower than Peers by 17.49

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
12.03
51.05
104.10
80.33
137.93
Peer Median
29.52
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.19

Lower than Peers by 0.07

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
0.19
0.36
0.36
0.33
0.30
Peer Median
0.26
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
--
276.54
322.19
373.59
349.23
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
--
--
-316.55
-774.48
-683.50
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
--
291.42
121.39
121.03
116.46
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
--
--
-115.75
-521.91
-450.73
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

4.90

Lower than Peers by 5.97

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
4.90
4.63
6.03
3.87
-0.30
Peer Median
10.87
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.77

Higher than Peers by 0.09

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
1.77
1.79
1.28
0.80
0.36
Peer Median
1.67
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
--
--
--
--
--
Peer Median
1.65
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
--
1.24
-0.31
-3.19
1.26
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

1,039

Higher than Peers by 361

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Heritage Insurance Hldgs Inc (HRTG)
1,039
--
--
--
--
Peer Median
677
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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