Heritage Insurance Holdings, Inc.
HRTGFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Jul 18, 2026
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Daily timeframeHeritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. At a $818.6M market cap, Heritage Insurance Holdings, Inc. ranks as a small-cap company within financial services. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York.
Market Cap
$818.6M
Beta
0.88
P/E (TTM)
4.15
P/E (Fwd)
5.71
EPS (TTM)
$6.52
EPS (Fwd)
$4.73
ROE
47.5%
ROA
8.1%
Cash
$517.1M
Total Debt
$99.0M
Free CF
$159.9M
52W Change
25.8%
Annual Financials
Cash vs Debt
Heritage Insurance Holdings, Inc. holds $517.1M in cash against $99.0M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Annual free cash flow of $159.9M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 47.5% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 8.1% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $631.6M (2021) to $774.4M (2025), reflecting a 23% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Heritage Insurance Holdings, Inc. and its sector.