Heritage Insurance Holdings, Inc.
HRTGFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned May 29, 2026
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Daily timeframeHeritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. At a $666.0M 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
$666.0M
Beta
1.03
P/E (TTM)
3.37
P/E (Fwd)
4.80
EPS (TTM)
$6.52
EPS (Fwd)
$4.58
ROE
47.5%
ROA
8.1%
Cash
$517.1M
Total Debt
$99.0M
Free CF
$159.9M
52W Change
-10.1%
Annual Financials
Cash vs Debt
With $517.1M in cash and $99.0M in debt, HRTG maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Annual free cash flow of $159.9M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. Return on equity stands at 47.5%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
With cash comfortably exceeding debt, HRTG has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Heritage Insurance Holdings, Inc. and its sector.