Heritage Insurance Holdings, Inc.HRTGNYSE

Revenue (LTM)

$847M

+3.7% YoY

Net Income (LTM)

$196M

+217.8% YoY

Free Cash Flow

$174M

Revenue CAGR (5Y)

+7.4%

Marginsimproving

FCF$0.2B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	632	662↑4.9%	735↑11.0%	817↑11.1%	847↑3.7%
Gross Profit	58	5↓91.4%	142↑2738.6%	179↑26.1%	534↑198.8%
Operating Income	-76	-166↓118.5%	52↑131.3%	83↑59.0%	267↑223.1%
Net Income	-75	-154↓106.6%	45↑129.4%	62↑35.8%	196↑217.8%
EBITDA	-60	-149↓149.9%	72↑148.3%	103↑43.5%	280↑171.3%
EPS Diluted	-2.69	-5.86↓117.8%	1.73↑129.5%	2.01↑16.2%	6.32↑214.4%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	359	281↓21.8%	464↑65.1%	453↓2.4%	559↑23.6%
Total Current Assets	0	0	0	0	655
Total Assets	1,981	2,393↑20.8%	2,120↓11.4%	2,469↑16.5%	2,196↓11.1%
Total Current Liabilities	0	0	0	0	4
Total Liabilities	1,638	2,262↑38.1%	1,899↓16.0%	2,178↑14.7%	1,691↓22.4%
Total Equity	343	131↓61.8%	220↑68.1%	291↑32.0%	505↑73.7%
Total Debt	152	160↑5.4%	148↓7.5%	141↓4.6%	100↓29.4%
Net Debt	-207	-121↑41.8%	-315↓161.4%	-311↑1.3%	-459↓47.6%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	60	-34↓157.0%	70↑305.5%	87↑23.7%	182↑109.2%
Capital Expenditure	-1	-12↓1129.6%	-10↑20.1%	-8↑16.8%	-8↑1.9%
Free Cash Flow	59	-47↓178.9%	61↑229.8%	79↑30.3%	174↑120.8%
Stock-Based Comp	1	2↑73.0%	1↓32.2%	3↑138.9%	5↑65.6%
Net Change in Cash	-82	-77↑5.5%	186↑340.7%	-10↓105.2%	109↑1223.7%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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