Discounted Cash Flow
Heritage Insurance Holdings, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $439.0m | $33.9m | $73.5m | 7.7% | $1.14 |
| 2017 | $406.6m (-7.4%) | $-1.1m (-103.3%) | $7.2m (-90.2%) | -0.3% (-103.6%) | $-0.04 (-103.5%) |
| 2018 | $480.2m (18.1%) | $27.2m (2526.7%) | $93.1m (1197.1%) | 5.7% (2155.0%) | $1.05 (2725.0%) |
| 2019 | $511.3m (6.5%) | $28.6m (5.5%) | $114.7m (23.1%) | 5.6% (-1.0%) | $0.98 (-6.7%) |
| 2020 | $593.4m (16.1%) | $9.3m (-67.4%) | $9.3m (-91.9%) | 1.6% (-71.9%) | $0.33 (-66.3%) |
| 2021 | $631.6m (6.4%) | $-74.7m (-901.3%) | $59.1m (534.0%) | -11.8% (-852.8%) | $-2.69 (-915.2%) |
| 2022 | $662.5m (4.9%) | $-154.4m (-106.6%) | $-35.9m (-160.8%) | -23.3% (-96.9%) | $-5.86 (-117.8%) |
| 2023 | $735.5m (11.0%) | $45.3m (129.4%) | $60.5m (268.4%) | 6.2% (126.4%) | $1.73 (129.5%) |
| 2024 | $817.0m (11.1%) | $61.5m (35.8%) | $78.9m (30.3%) | 7.5% (22.3%) | $2.01 (16.2%) |
| 2025 | $847.3m (3.7%) | $195.6m (217.8%) | $174.2m (120.8%) | 23.1% (206.5%) | $6.33 (214.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.