Heritage Insurance Holdings, Inc.
HRTGNYSE
$27.04
↑ +1.8%Jul 17 close · end-of-day
Price
1Y↑ +25.0%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$831.2M
Enterprise Value
$391.8M
P/E
4.1
P/S
1.0
P/B
1.6
EV/EBITDA
1.4
PEG
—
FCF Yield
23.9%
Dividend Yield
—
Revenue (TTM)
$848.5M
Net Income (TTM)
$201.6M
Free Cash Flow (TTM)
$198.5M
Gross Margin
—
Operating Margin
32.5%
Net Margin
23.8%
ROE
38.7%
ROIC
255.9%
Debt / Equity
0.1
Net Cash
$439.5M
Return 1Y
+25.5%
Company profile
Heritage Insurance Holdings, Inc. provides personal and commercial residential insurance products. The company writes personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency. It also provides restoration, emergency and recovery services; and property management, and reinsurance services.
- CEO
- Ernesto J. Garateix
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Insurance
- Employees
- 650
- Headquarters
- Florida
- Website
- investors.heritagepci.com
Management & directors
- Binnun SharonChief Accounting Officer
- Garateix Ernie JChief Executive Officer
- Moura TimothySee Remarks
- Johns Timothy E.See Remarks
- Lusk KirkChief Financial Officer
Roles derived from SEC Form 4 filings.
Earnings
HRTG Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$212.7M↑ +0.5%
Diluted EPS$1.19↑ +20.2%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $593.4M | $631.6M | $662.5M | $735.5M | $817.0M | $847.3M |
| Gross profit | — | — | — | — | — | — |
| Operating income | $10.2M | -$68.1M | -$157.4M | $63.2M | $93.6M | $267.2M |
| Net income | $9.3M | -$74.7M | -$154.4M | $45.3M | $61.5M | $195.6M |
| Diluted EPS | $0.33 | -$2.69 | -$5.86 | $1.73 | $2.01 | $6.32 |
| Operating cash flow | $170.2M | $60.1M | -$34.3M | $70.4M | $87.1M | $182.2M |
| Free cash flow | $169.5M | $59.1M | -$42.8M | $60.5M | $78.9M | $174.2M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | 1.7% | -10.8% | -23.8% | 8.6% | 11.5% | 31.5% |
| Net margin | 1.6% | -11.8% | -23.3% | 6.2% | 7.5% | 23.1% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $203.6M | $211.8M | $210.3M | $211.5M | $208.0M | $212.5M | $215.3M | $212.7M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | $27.6M | $11.7M | $31.5M | $42.4M | $64.9M | $70.2M | $89.7M | $50.8M |
| Net income | $18.9M | $8.2M | $20.3M | $30.5M | $48.0M | $50.4M | $66.7M | $36.5M |
| Diluted EPS | $0.61 | $0.27 | $0.66 | $0.99 | $1.55 | $1.63 | $2.15 | $1.19 |
| Operating cash flow | $152.2M | -$13.4M | -$56.1M | $837,000.00 | $43.3M | $124.3M | $13.8M | $24.9M |
| Free cash flow | $149.8M | -$16.3M | -$58.6M | -$1.3M | $41.8M | $122.7M | $10.9M | $23.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | 13.6% | 5.5% | 15.0% | 20.1% | 31.2% | 33.0% | 41.6% | 23.9% |
| Net margin | 9.3% | 3.8% | 9.7% | 14.4% | 23.1% | 23.7% | 31.0% | 17.2% |
Company news
May 28, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-01 | Binnun Sharon· Chief Accounting Officer | Sale | 9,200 | $26.58 | $244,492.76 | filing |
| 2026-06-22 | Binnun Sharon· Chief Accounting Officer | Sale | 9,200 | $24.36 | $224,102.80 | filing |
| 2026-06-11 | WHITING PAUL L | Gift | 9,662 | $0.00 | $0.00 | filing |
| 2026-06-10 | Vattamattam Joseph | Award | 2,703 | $0.00 | $0.00 | filing |
| 2026-06-10 | WHITING PAUL L | Award | 2,703 | $0.00 | $0.00 | filing |
| 2026-06-10 | Barlas Irini | Award | 2,703 | $0.00 | $0.00 | filing |
| 2026-06-10 | Apostolou Panagiotis | Award | 2,703 | $0.00 | $0.00 | filing |
| 2026-06-10 | WIDDICOMBE RICHARD A | Award | 2,703 | $0.00 | $0.00 | filing |
| 2026-05-19 | WHITING PAUL L | Buy | 15,000 | $23.50 | $352,500.00 | filing |
| 2026-05-19 | WHITING PAUL L | Buy | 1,000 | $24.45 | $24,450.00 | filing |
| 2026-05-01 | Binnun Sharon· Chief Accounting Officer | Sale | 9,200 | $28.99 | $266,753.08 | filing |
| 2026-04-20 | Garateix Ernie J· Chief Executive Officer | Sale | 8,034 | $27.52 | $221,131.83 | filing |
| 2026-04-20 | Garateix Ernie J· Chief Executive Officer | Sale | 300 | $28.40 | $8,520.96 | filing |
| 2026-04-02 | Moura Timothy· See Remarks | Sale | 16,325 | $26.08 | $425,736.41 | filing |
| 2026-04-02 | Moura Timothy· See Remarks | Sale | 8,444 | $25.13 | $212,232.34 | filing |
| 2026-04-01 | Moura Timothy· See Remarks | Sale | 24,619 | $25.78 | $634,584.27 | filing |
| 2026-04-01 | Binnun Sharon· Chief Accounting Officer | Sale | 8,700 | $25.69 | $223,493.43 | filing |
| 2026-04-01 | Moura Timothy· See Remarks | Sale | 1,102 | $26.21 | $28,884.08 | filing |
| 2026-04-01 | Binnun Sharon· Chief Accounting Officer | Sale | 500 | $26.19 | $13,095.00 | filing |
| 2026-03-20 | Garateix Ernie J· Chief Executive Officer | Sale | 8,334 | $25.39 | $211,579.43 | filing |
| 2026-03-19 | Moura Timothy· See Remarks | Sale | 28,223 | $26.60 | $750,802.36 | filing |
| 2026-03-19 | Moura Timothy· See Remarks | Sale | 910 | $27.43 | $24,958.39 | filing |
| 2026-03-17 | Binnun Sharon· Chief Accounting Officer | Sale | 7,893 | $28.35 | $223,750.76 | filing |
| 2026-03-12 | Garateix Ernie J· Chief Executive Officer | Tax withholding | 149,632 | $28.14 | $4.2M | filing |
| 2026-03-12 | Lusk Kirk· Chief Financial Officer | Tax withholding | 72,549 | $28.14 | $2.0M | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.