HRTG - NYSE

Heritage Insurance Holdings, Inc.

HRTG·NYSE

$20.88

-1.5%

Financial ServicesInsurance - Property & Casualty

Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners, and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, and emergency and recovery services; and property management, and reinsurance services. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as indirectly to approximately 1,500 retail locations through eight wholesale agency relationships; and personal and commercial insurance policies through a network of approximately 70 independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$633.71M

EPS6.3300

P/E Ratio3.30

Earnings Date08/04/2026

2.20B

Assets

-11%

3Y-8.0%

5Y+5.0%

10Y+113.0%

1.69B

Total Liabilities

-22%

3Y-25.0%

5Y+3.0%

10Y+150.0%

505.25M

Total Equity

74%

3Y+286.0%

5Y+14.0%

10Y+41.0%

Heritage Insurance Holdings, Inc. Funding & Solvency Profile

HRTG · NYSE

Current Assets

Cash & Cash Equivalents559.27M

Net Receivables95.33M

Inventory0.00

Other Current Assets-99.41M

Total Current Assets655 M

Non-Current Assets

Property, Plant & Equipment45.73M

Goodwill & Intangible Assets30.19M

Long-Term Investments616.18M

Other Non-Current Assets-616.18M

Total Non-Current Assets46 M

Total Assets

2.20B

Financial Health Analysis

Current Ratio

152.87x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

3.35x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

650 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

30% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Heritage Insurance Holdings, Inc. Balance Sheet

HRTG • NYSE

Heritage Insurance Holdings, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	559.3M	452.7M	463.6M	280.9M	359.3M	441M	268.4M	250.1M	153.7M	105.8M	236.3M	173.8M	65.1M	63.9M
Short-Term Investments	99.4M	91.3M	89.5M	113.7M	669.4M	561M	587.3M	526.1M	567M	603M	400.1M	324.3M	130.1M	13.1M
Cash & Short-Term Investments	658.7M	544M	553.2M	394.6M	1B	1B	855.6M	776.2M	720.7M	708.8M	636.4M	498.1M	195.2M	76.9M
Net Receivables	95.3M	844.9M	586.8M	909.9M	353.1M	464.7M	0.0	0.0	0.0	0.0	30.6M	20M	20.8M	120K
Accounts Receivables	95.3M	842.3M	571.9M	897.8M	341.3M	432.5M	492.6M	374.9M	425.1M	42.7M	30.6M	20M	15.7M	120K
Other Receivables	18.7M	2.5M	14.9M	12.1M	11.7M	32.2M	0.0	0.0	0.0	0.0	0.0	0.0	5.1M	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-400.8M	-778.3M	-386.1M	-345.8M	0.0	0.0	0.0
Prepaids	0.0	314.1M	299.2M	307M	265.9M	245.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	594K
Other Current Assets	-99.4M	-1.7B	-1.4B	-1.6B	-1.6B	-1.7B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	654.6M	0.0	0.0	0.0	0.0	0.0	1.4B	1.2B	771.3M	719.5M	638.6M	473.6M	215.9M	77.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	45.7M	59M	57.7M	53.2M	45.2M	25.1M	20.8M	18M	18.7M	17.2M	17.1M	17.1M	10.9M	201K
Goodwill	0.0	0.0	0.0	0.0	92M	152.5M	152.5M	152.5M	152.5M	46.5M	5.7M	0.0	0.0	0.0
Intangible Assets	30.2M	36.4M	42.6M	49.6M	55.9M	62.3M	68.6M	76.9M	101.6M	26.5M	36.9M	24.4M	9.8M	32K
Goodwill & Intangible Assets	30.2M	36.4M	42.6M	49.6M	147.9M	214.7M	221.1M	229.3M	254.1M	73M	44.9M	24.4M	9.8M	32K
Long-Term Investments	616.2M	657.5M	562.3M	637.1M	670.8M	562.6M	587.3M	526.1M	567M	603M	400.1M	324.3M	130.1M	13.1M
Tax Assets	5.9M	0.0	0.0	0.0	0.0	0.0	12.6M	7.7M	34.3M	3M	8M	6.6M	131.3M	13.2M
Other Non-Current Assets	-616.2M	-752.9M	-662.6M	-739.9M	-863.8M	-802.5M	-12.6M	-7.7M	-567M	-603M	-445M	-348.7M	-141M	-13.3M
Total Non-Current Assets	81.8M	0.0	0.0	0.0	0.0	0.0	829.1M	773.4M	307.2M	93.2M	25.1M	23.7M	141M	13.3M
Other Assets	1.5B	2.5B	2.1B	2.4B	2B	2.1B	-240.8M	-191.4M	692.8M	220.5M	173.7M	118.7M	-75M	-8.5M
Total Assets	2.2B	2.5B	2.1B	2.4B	2B	2.1B	1.9B	1.8B	1.8B	1B	837.4M	616M	282M	81.9M
LIABILITIES
CURRENT LIABILITIES
Total Payables	275.3M	266.9M	195.3M	236.1M	221.9M	191.1M	180.1M	191M	51.8M	111.4M	62.3M	29.9M	32.4M	12.9M
Accounts Payable	251.6M	248.2M	176M	217.5M	201.8M	171.2M	163.6M	175.5M	48.1M	103.5M	60.2M	17.1M	29.6M	9M
Other Payables	23.6M	18.7M	19.3M	18.6M	20.1M	19.9M	16.5M	15.5M	3.7M	8M	-60.2M	-17.1M	2.8M	3.9M
Accrued Expenses	0.0	146K	325K	733K	735K	833K	0.0	0.0	0.0	0.0	2.3M	442K	505K	1K
Short Term Debt	8.7M	80.1M	89.6M	99.1M	69.1M	70M	10M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Tax Payables	4.3M	1.3M	1.5M	1M	871K	0.0	0.0	2.2M	3.7M	0.0	2.1M	12.8M	2.8M	3.9M
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	0.0	203.7M	15.4M	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	-279.7M	-347.2M	-285.2M	-336M	-291.8M	-261.9M	-190.1M	-394.7M	-67.2M	-111.4M	-64.6M	-30.4M	-32.9M	-12.9M
Total Current Liabilities	4.3M	0.0	0.0	0.0	0.0	0.0	237.4M	195.4M	17.6M	96.7M	2.1M	12.8M	29.6M	9M
NON-CURRENT LIABILITIES
Long Term Debt	78.4M	36.2M	30.1M	29.8M	51.6M	51M	119.6M	148.8M	184.4M	72.9M	0.0	0.0	0.0	1M
Deferred Revenue (Non-Current)	0.0	0.0	33.6M	42.8M	40.4M	40M	37.5M	45M	51.1M	0.0	0.0	5.1M	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	9.4M	18.5M	12.6M	7.7M	34.3M	3M	14.3M	0.0	0.0	0.0
Other Non-Current Liabilities	965.1M	-61.2M	-92.2M	-103.8M	-132.6M	-117.6M	1.3B	1.2B	1.2B	599.4M	478.8M	347.1M	0.0	-1M
Total Non-Current Liabilities	1.1B	0.0	0.0	0.0	0.0	0.0	179.3M	181.5M	184.4M	75.9M	478.8M	347.1M	0.0	1M
Other Liabilities	0.0	2.2B	1.9B	2.3B	1.6B	1.6B	1.1B	966.5M	1.2B	502.7M	0.0	964K	202M	43.8M
Capital Lease Obligations	21.4M	25M	28.5M	31.2M	31.2M	8.2M	8.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.7B	2.2B	1.9B	2.3B	1.6B	1.6B	1.5B	1.3B	1.4B	675.3M	480.8M	360.9M	202M	53.7M
SHAREHOLDERS' EQUITY
Treasury Stock	-133.2M	-130.9M	-130.9M	-130.9M	-123.6M	-115.4M	-105.4M	-89.2M	-87.2M	-25.6M	0.0	0.0	0.0	0.0
Common Stock	3K	3K	3K	3K	3K	3K	3K	3K	3K	3K	3K	3K	62.9M	33.6M
Additional Paid-In Capital	365.7M	362.6M	360.3M	334.7M	332.8M	331.9M	329.6M	325.3M	294.8M	205.7M	202.6M	188.3M	62.8M	0.0
Retained Earnings	283.3M	87.7M	26.1M	-19.2M	138.4M	219.8M	217.3M	195.8M	175.2M	182.8M	156M	65M	17.9M	-5.5M
Accumulated Other Comprehensive Income/Loss	-10.6M	-28.6M	-35.3M	-53.6M	-4.6M	6.1M	7.3M	-6.5M	-3.1M	-5M	-2M	1.7M	-790K	0.0
Total Stockholders' Equity	505.3M	290.8M	220.3M	131M	343.1M	442.3M	448.8M	425.3M	379.8M	358M	356.6M	255.1M	80M	28.1M
Total Equity	505.3M	290.8M	220.3M	131M	343.1M	442.3M	448.8M	425.3M	379.8M	358M	356.6M	255.1M	80M	28.1M
SUMMARY
Total Liabilities & Equity	2.2B	2.5B	2.1B	2.4B	2B	2.1B	1.9B	1.8B	1.8B	1B	837.4M	616M	282M	81.9M
Total Investments	715.6M	663.4M	569.4M	653.6M	694.7M	589M	595.2M	526.1M	567M	603M	400.1M	331.2M	260.2M	13.1M
Total Debt	99.8M	141.3M	148.2M	160.2M	151.9M	129.2M	129.2M	148.8M	184.4M	72.9M	0.0	0.0	0.0	1M
Net Debt	-459.5M	-311.3M	-315.4M	-120.7M	-207.4M	-311.8M	-139.1M	-101.3M	30.7M	-32.9M	-236.3M	-173.8M	-65.1M	-62.9M
Shares Outstanding	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435	30,911,435

SEC Filings

HRTG - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 29, 2026	May 28, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 30, 2026	June 10, 2026	2026	View Filing
10-K/A 10-K/A 2025 FY (Amended) FY	March 19, 2026	December 31, 2025	2025	View Filing
10-K 10-K 2025 FY FY	March 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2025 N/A	March 09, 2026	March 09, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 23, 2026	February 23, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 05, 2025	November 05, 2025	2025	View Filing

Showing 1 to 10 of 196 filings

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