Heritage Insurance Holdings, Inc.

Heritage Insurance Holdings, Inc.

HRTGยทNYSE

$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.

At a Glance

Live Snapshot
Market Cap$633.71M
EPS6.3300
P/E Ratio3.30
Earnings Date08/04/2026
3Y+28.0%
5Y+43.0%
10Y+93.0%
3Y-227.0%
5Y+1997.0%
10Y+478.0%
3Y-632.0%
5Y+7.0%
10Y+143.0%
Heritage Insurance Holdings, Inc.

Heritage Insurance Holdings, Inc. Profit Bridge

HRTG ยท NYSE
Revenue847.33M
Cost of Goods Sold (313.25M)
Gross Profit534.08M
Operating Expenses (274.82M)
Operating Income259.26M
Interest Expense (7.89M)
Other Income/Expense0.00
Pretax Income259.26M
Income Tax (63.67M)
Net Income195.59M
Net Income
195.59M

Profitability Analysis

Gross Margin

63.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

30.6%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

23.1%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

24.6%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Heritage Insurance Holdings, Inc. Income Statement

HRTG โ€ข NYSE

Heritage Insurance Holdings, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
REVENUE
847.3M
817M
735.5M
662.5M
631.6M
593.4M
511.3M
480.2M
406.6M
439M
394.8M
233.8M
98.8M
5.6M
GROSS PROFIT
(313.2M)
(638.2M)
(593.7M)
(657.5M)
(573.3M)
(501.7M)
(381.2M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
534.1M
178.7M
141.8M
5M
58.2M
91.7M
130.1M
480.2M
406.6M
439M
394.8M
233.8M
98.8M
5.6M
OPERATING INCOME
(274.8M)
(96.1M)
(89.8M)
(171.2M)
(134.3M)
(89.5M)
(89.1M)
-421.2M
(357.1M)
(58.9M)
(46.1M)
(33.5M)
-43.3M
-9.4M
(93M)
(85.1M)
(77.8M)
(70.4M)
(65.8M)
(81.5M)
(80.5M)
(88.5M)
(71.7M)
(58.9M)
(46.1M)
(33.5M)
(24.7M)
(7.9M)
259.3M
82.7M
52M
-166.2M
-76M
2.2M
41M
59M
49.5M
56.8M
150.3M
74.3M
55.5M
-3.8M
PRE-TAX INCOME
(7.9M)
(10.9M)
(11.2M)
(8.8M)
(8M)
(8M)
(8.5M)
(20M)
(13.2M)
(362K)
(0.0)
(0.0)
(16K)
(829K)
-7.9M
-10.9M
-11.2M
-8.8M
-8M
-8M
-8.5M
-20M
-13.2M
-362K
0.0
0.0
-16K
-829K
(181.8M)
(10.9M)
(12M)
(100.8M)
(68.5M)
(8M)
(8.6M)
-509.7M
(285.4M)
-143.3M
-103.3M
(0.0)
-68M
-17.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-30.5M
-55.4M
-362K
0.0
-126.1M
-44.7M
-829K
259.3M
82.7M
52M
-166.2M
-76M
2.2M
41M
39M
-5.9M
56.4M
150.3M
74.3M
55.5M
-4.6M
NET INCOME
(63.7M)
(21.1M)
(6.7M)
-11.8M
-1.3M
-7.1M
(12.4M)
(11.8M)
-4.8M
(22.5M)
(57.8M)
(27.2M)
(21.2M)
(859K)
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

SEC Filings

HRTG - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 196 filings