← Heritage Insurance Holdings, Inc. HRTG
Market Price
$33.96
Market Cap
$1.01B
P/E Ratio
5.37
Revenue (FY 2025)
↑3.7% YoY
$847.33M
3-Yr CAGR: 8.6%
Net Income
↑217.8% YoY
$195.59M
Net Margin: 23.1%
Free Cash Flow
↑120.8% YoY
$174.16M
FCF Yield: 17.29%
EPS (Diluted)
↑214.4% YoY
$6.32
Basic: $6.33
Return on Equity
Efficiency
38.7%
ROA: 647.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (HRTG)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $439.0M | — | $199.8M | $33.9M | — | $1.14 | — | $75.1M | $73.5M | — |
| FY 2017 | $406.6M | -7.4% | $191.9M | $-1.1M | -103.3% | $-0.04 | -103.5% | $7.6M | $7.2M | -90.2% |
| FY 2018 | $480.2M | +18.1% | $222.7M | $27.2M | +2,526.7% | $1.04 | +2,700.0% | $95.4M | $93.1M | +1,197.1% |
| FY 2019 | $511.3M | +6.5% | $229.5M | $28.6M | +5.5% | $0.98 | -5.8% | $119.7M | $114.7M | +23.1% |
| FY 2020 | $593.4M | +16.1% | $212.0M | $9.3M | -67.4% | $0.33 | -66.3% | $170.2M | $169.5M | +47.8% |
| FY 2021 | $631.6M | +6.4% | $196.2M | $-74.7M | -901.3% | $-2.69 | -915.2% | $60.1M | $59.1M | -65.1% |
| FY 2022 | $662.5M | +4.9% | $152.5M | $-154.4M | -106.6% | $-5.86 | -117.8% | $-34.3M | $-35.9M | -160.8% |
| FY 2023 | $735.5M | +11.0% | $298.2M | $45.3M | +129.4% | $1.73 | +129.5% | $70.4M | $60.5M | +268.4% |
| FY 2024 | $817.0M | +11.1% | $359.0M | $61.5M | +35.8% | $2.01 | +16.2% | $87.1M | $78.9M | +30.3% |
| FY 2025 | $847.3M | +3.7% | $526.2M | $195.6M | +217.8% | $6.32 | +214.4% | $182.2M | $174.2M | +120.8% |
Valuation
Market Price
$33.96
Market Cap
$1.01B
Enterprise Value
$526.66M
P/E Ratio
5.37
P/B Ratio
2.03
FCF Yield
17.29%
Dividend Yield
18.64%
Shares Outstanding
Profitability & Margins
Gross Margin
62.10%
Operating Margin
31.53%
Net Margin
23.08%
Return on Equity (ROE)
38.71%
Return on Assets (ROA)
647.90%
Asset Turnover
28.07x
Revenue 3-Yr CAGR
8.55%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.155
Debt / Assets
2.598
Cash & Equivalents
$559.27M
Total Debt
$78.43M
Book Value / Share
$16.69
Cash Flow Efficiency
Operating Cash Flow
$182.24M
Capital Expenditures (CapEx)
$8.07M
Free Cash Flow
$174.16M
OCF / Revenue
21.51%
FCF / Revenue
20.55%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$6.32
EPS (Basic)
$6.33
Dividends / Share
$6.33
Book Value / Share
$16.69
EPS YoY Growth
214.43%
Balance Sheet (FY 2025)
Total Assets
$30.19M
Total Liabilities
$5.86M
Stockholders' Equity
$505.25M
Current Assets
N/A
Current Liabilities
N/A