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Heritage Insurance

(NYSE) HRTG

Current Price$27.09
Market Cap$806.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2014)+167%
5 Year+243%
1 Year+26%
1 Month+17%
Heritage Insurance last closing stock price
MetricPriceDate
Last closeUSD 27.042026-07-17
Heritage Insurance stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.64%USD 28.062026-07-10
1 month+16.7%USD 23.172026-06-17
3 month-0.66%USD 27.222026-04-17
Year to date-7.59%USD 29.262025-12-31
1 year+25.53%USD 21.542025-07-17
3 year+534.74%USD 4.262023-07-18
5 year+242.59%USD 7.892021-07-16
Since inception+167.44%USD 9.932014-05-23

Heritage Insurance Financials at a Glance

Market Cap

$806.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$775.57M

Net Income (TTM)

$201.60M

EPS (TTM)

$6.51

P/E Ratio

4.08

Dividend

$0.00

Beta (Volatility)

0.69 (Low)

Price

$27.09

Volume

218,740

Open

$26.82

Previous Close

$27.04

Daily Range

$26.82 - $27.36

52-Week Range

$16.83 - $31.98

Estimated Earnings Date

Aug 4, 2026

HRTG News

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Heritage (HRTG) Q2 Profit Soars 154%

Motley Fool Markets TeamAug 6, 2025

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About Heritage Insurance

Heritage helps families and businesses protect their properties from damage and financial loss. It sells insurance policies for homes, condos, and large residential buildings. The company also manages its own repair network to help customers after a disaster.

Protecting Homes and Businesses

  • Personal Residential: Insurance for single-family homes and condominiums across fourteen eastern and gulf states.
  • Commercial Residential: Coverage for multi-unit residential buildings in Florida, New Jersey, New York, and Hawaii.
  • Wind-Only Property: Specialized protection against wind damage for residents and businesses in Hawaii.
  • Restoration Services: Emergency recovery and repair management provided through the Contractors' Alliance Network subsidiary.

Technology and Claims Strategy

  • Completed a transition to a unified claims system for all insurance subsidiaries during 2023.
  • Launched a new policy and billing system for all personal lines products in 2025.
  • Commuted a 2017 agreement with the Florida Hurricane Catastrophe Fund in the third quarter of 2023.
  • Planned expansion of commercial products into the new unified billing system for completion during 2026.

The Vertical Advantage

Heritage uses a vertically integrated model to manage the entire insurance lifecycle. By handling claims adjusting and repair services internally, the company aims to control costs and speed up customer recovery.

Measuring Financial Growth

  • Net income hit $66.7 million in Q4 2025, up 228.6% from $20.3 million in Q4 2024.
  • Gross profit rose to $151.9 million in Q4 2025, up 188.3% from $52.7 million in Q4 2024.
  • Revenue reached $215.3 million in Q4 2025, up 2.4% from $210.3 million in Q4 2024.
  • Operating cash flow turned positive at $13.8 million in Q4 2025, improved from -$56.1 million in Q4 2024.

Bottom Line

Heritage has evolved from a Florida-focused insurer into a super-regional provider with a diversified geographic footprint. Its integrated claims and technology platforms support its efforts to manage volatility in catastrophe-prone markets.

AI Generated • May 3, 2026

Industry

Insurance

Sector

Financials

Employees

542

CEO

Ernesto Jose Garateix, MBA

Website

www.heritagepci.com

Headquarters

Tampa, FL 33607, US

HRTG Financials

Key Financial Metrics (TTM)

Gross Margin

51.16%

Operating Margin

34.59%

Net Income Margin

25.99%

Return on Equity

43.68%

Return on Capital

42.85%

Return on Assets

9.98%

Earnings Yield

24.51%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$806.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

30.35M

Volume

218.74K

Avg. Volume

453.00K

Financials (TTM)

Gross Profit

$396.79M

Operating Income

$268.29M

EBITDA

$288.50M

Operating Cash Flow

$206.27M

Capital Expenditure

-$5.45M

Free Cash Flow

$200.82M

Cash & ST Invst.

$625.06M

Total Debt

$99.05M

Heritage Insurance Performance Analysis

Heritage Insurance annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 662,460,0004.9%
20232023-12-31USD 737,734,00011.4%
20242024-12-31USD 817,737,00010.8%
20252025-12-31USD 847,330,0003.6%
Heritage Insurance sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-1.6%
Q32025-09-302.1%
Q42025-12-31-33.0%
Q12026-03-3149.3%
Heritage Insurance annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -5.86118.0%
20232023-12-31USD 1.73N/A
20242024-12-31USD 2.0116.3%
20252025-12-31USD 6.32214.8%
Heritage Insurance sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3056.6%
Q32025-09-305.2%
Q42025-12-3131.9%
Q12026-03-31-44.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$212.66M

+0.5%

Gross Profit

$121.06M

+82.6%

Gross Margin

56.93%

N/A

Market Cap

$806.09MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.49M

N/A

Employees

542

N/A

Net Income

$36.48M

+19.7%

EBITDA

$53.97M

+18.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$625.06M

+15.3%

Total Debt

$99.05M

-16.7%

Accounts Receivable

$361.44M

-48.9%

Inventory

$0.00

N/A

Long Term Debt

$25.92M

-37.0%

Short Term Debt

$73.13M

-5.9%

Return on Assets

9.98%

N/A

Return on Invested Capital

49.11%

N/A

Free Cash Flow

$23.05M

+1930.7%

Operating Cash Flow

$24.86M

+2870.6%

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Questions About HRTG

What is the current price of Heritage Insurance?

Heritage Insurance is trading at $27.04 per share.

What is the 52-week range for Heritage Insurance?

Over the past 52 weeks, Heritage Insurance has traded between $16.83 and $31.98.

How much debt does Heritage Insurance have?

As of the most recent reporting period, Heritage Insurance reported total debt of $99.05M.

How much cash does Heritage Insurance have on hand?

Heritage Insurance reported $533.29M in cash and cash equivalents in its most recent financial results.

What is Heritage Insurance’s dividend yield?

Heritage Insurance does not currently have a dividend yield.

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