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Heritage Insurance Holdings, Inc. (HRTG)
Financial Services · Insurance - Property & Casualty · NYSE
Heritage Insurance Holdings, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $438.96M | $406.62M | $480.17M | $511.31M | $593.38M | $631.56M | $662.46M | $670.70M | $766.68M | $774.43M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $33.87M | $-1.12M | $27.16M | $28.64M | $9.33M | $-74.73M | $-154.36M | $45.31M | $61.54M | $195.59M |
| Net margin | 7.7% | -0.3% | 5.7% | 5.6% | 1.6% | -11.8% | -23.3% | 6.8% | 8.0% | 25.3% |
Source: Heritage Insurance Holdings, Inc. SEC filings (10-K). 13 years of history available in the interactive view.
What growth is priced into HRTG stock?
At today's market cap of $679.49M, Heritage Insurance Holdings, Inc. is priced for free-cash-flow growth of about -16.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $174.16M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 0.5%/yr over the last five fiscal years and revenue 5.5%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 13 years of Heritage Insurance Holdings, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Heritage Insurance Holdings, Inc. financial history by metric
About Heritage Insurance Holdings, Inc.
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
Heritage Insurance Holdings, Inc. — frequently asked questions
What is Heritage Insurance Holdings, Inc.'s revenue?
Heritage Insurance Holdings, Inc. (HRTG) reported revenue of $774.43M for fiscal year 2025, up 1.0% from the prior year, according to its SEC filings.
Is Heritage Insurance Holdings, Inc. profitable?
Yes. HRTG earned net income of $195.59M in fiscal 2025, a net margin of 25.3%.
What is HRTG's P/E ratio?
Heritage Insurance Holdings, Inc. trades at a price-to-earnings ratio of about 3.4 based on the latest data in our nightly-refreshed cache.
How fast is Heritage Insurance Holdings, Inc. growing?
HRTG's revenue grew at roughly 5.5% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Heritage Insurance Holdings, Inc. have?
As of fiscal year 2025, HRTG carried roughly $78.43M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Heritage Insurance Holdings, Inc.'s market cap?
Heritage Insurance Holdings, Inc. (HRTG) has a market capitalization of about $679.49M, based on the latest data in our nightly-refreshed cache.
When does Heritage Insurance Holdings, Inc.'s fiscal year end?
HRTG's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into HRTG stock?
At today's market cap of $679.49M, Heritage Insurance Holdings, Inc. is priced for free-cash-flow growth of about -16.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $174.16M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 0.5%/yr over the last five fiscal years and revenue 5.5%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Heritage Insurance Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 13 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.