HRTG - NYSE
Heritage Insurance Holdings, Inc.
$20.88
-1.5%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.
At a Glance
Live SnapshotHeritage Insurance Holdings, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Heritage Insurance Holdings, Inc. Cash Flow Statement
HRTG • NYSE
| Heritage Insurance Holdings, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||
195.6M | 61.5M | 45.3M | -154.4M | -74.7M | 9.3M | 28.6M | 27.2M | -1.1M | 33.9M | 92.5M | 47.1M | 34.2M | -5.5M | |
-779K | 9.6M | 8.7M | 8.4M | 8.4M | 8.1M | 10.4M | 27.1M | 7.7M | 9M | 1.4M | 777K | 150K | 0.0 | |
2.4M | -4.8M | 40K | -11.2M | -6M | 6.2M | -898K | -21.6M | 19.6M | 3.1M | 1M | -3.8M | -893K | -3M | |
5.4M | 3.3M | 1.4M | 2M | 1.2M | 4.7M | 5.4M | 5.3M | 4.8M | 4.8M | 2.6M | 3.3M | 5.7M | 5.5M | |
8.5M | -1M | -459K | 96M | 66.5M | -15.6M | 2.7M | 23.1M | 52.8M | 6.3M | 5.2M | 2.5M | 1.2M | 796K | |
(57.9M) | (12.6M) | (8.6M) | (0.0) | (528K) | (15.7M) | (14.2M) | (31.3M) | (4.5M) | (31.9M) | (68.8M) | (13M) | (28.3M) | (0.0) | |
-28.9M | 18.6M | 15.5M | 25M | 64.7M | 157.4M | 73.4M | 34.4M | -76.3M | 18.1M | 51.1M | 144.3M | 64.6M | 51.7M | |
182.2M | 87.1M | 70.4M | -34.3M | 60.1M | 170.2M | 119.7M | 95.4M | 7.6M | 75.1M | 153.9M | 194.2M | 105.1M | 49.5M | |
INVESTING ACTIVITIES | ||||||||||||||
(0.0) | -8.2M | -9.9M | -12.4M | -1M | -755K | -5M | -2.3M | -385K | -1.6M | -1.2M | -6.9M | -10.9M | -201K | |
(0.0) | (0.0) | (0.0) | -89.5M | -210.1M | -472.5M | (0.0) | (2.3M) | -140.9M | -110.3M | -6M | (0.0) | (0.0) | (0.0) | |
-344.7M | -287M | -230.9M | -135M | -334.6M | -470.5M | -256.9M | -218.7M | -215.8M | -317.7M | -237.9M | -231.1M | -127M | -13.1M | |
0.0 | 203.9M | 341.6M | 109.5M | 211.1M | 493.3M | 207.9M | 245.3M | 349.9M | 180.2M | 151.3M | 38.7M | 7.4M | 0.0 | |
312M | -270K | 0.0 | 89.5M | 210.1M | 472.5M | 358K | -2.3M | 134.1M | -137.5M | 6.8M | -786K | -6.1M | -603K | |
-32.7M | -91.6M | (100.8M) | -37.9M | -124.5M | (22.1M) | -53.6M | (24.4M) | -7.2M | -249.4M | -87M | -200M | -136.5M | -13.9M | |
FINANCING ACTIVITIES | ||||||||||||||
-2.3M | -3K | 24.7M | -7.3M | -8.2M | -10M | -16.2M | -2M | -61.6M | -25.6M | 0.0 | 78.8M | 33.6M | 23.4M | |
-36.1M | -4.3M | -9.7M | 7.1M | -2.1M | -9.7M | -18.8M | -18.3M | 124.2M | 77.9M | 0.0 | 0.0 | -1M | 4.9M | |
(0.0) | -54K | -11K | -4.8M | -6.7M | -6.9M | -7M | -6.4M | -8.2M | -6.8M | (0.0) | (0.0) | (0.0) | (0.0) | |
-2.3M | -3K | (0.0) | -7.3M | -8.2M | -10M | -16.2M | -2M | -61.6M | -25.6M | (0.0) | (0.0) | (0.0) | (0.0) | |
-2.3M | -863K | -429K | -94K | -231K | -2.4M | -3.5M | -5.3M | -7.2M | -1.7M | 8.9M | 22.5M | 0.0 | 0.0 | |
-40.6M | -5.2M | 14.5M | -5.1M | -17.3M | -28.9M | -45.4M | -32M | 47.6M | 43.8M | 8.9M | 101.3M | 32.6M | 28.3M | |
CASH FLOW SUMMARY | ||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -35.6M | |
108.9M | -9.7M | 185.8M | -77.2M | -81.6M | 163.4M | 20.6M | 87.8M | 47.9M | -130.5M | 75.8M | 95.4M | 1.2M | 28.3M | |
463.6M | 473.3M | 287.6M | 364.8M | 446.4M | 283M | 262.4M | 174.5M | 105.8M | 236.3M | 160.5M | 65.1M | 63.9M | 35.6M | |
572.6M | 463.6M | 473.3M | 287.6M | 364.8M | 446.4M | 283M | 262.4M | 153.7M | 105.8M | 236.3M | 160.5M | 65.1M | 63.9M | |
174.2M | 78.9M | 60.5M | -46.6M | 59.1M | 169.5M | 114.7M | 93.1M | 7.2M | 73.5M | 152.7M | 187.3M | 94.2M | 49.3M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | June 10, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | March 19, 2026 | December 31, 2025 | 2025 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2025 N/A | March 09, 2026 | March 09, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 23, 2026 | February 23, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 05, 2025 | November 05, 2025 | 2025 |
Related Guides
Continue your HRTG research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.