Heritage Insurance Holdings, Inc. (HRTG)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $781.7M
- Net income
- $215.3M
- Net margin
- 27.5%
Little or no net debt.
- Total debt
- $91.8M
- Cash
- $587.6M
- Net debt / EBITDA
- -1.61x
Comfortably covers what is due within a year.
- Current assets
- $1.45B
- Current liabilities
- $5.7M
- Current ratio
- 255.74
The business funds itself from operations.
- Operating cash flow
- $304.7M
- Free cash flow
- $302.6M
- FCF margin
- 38.7%
Not funding itself by issuing shares.
- Shares outstanding
- 30.0M
- Share growth (1y)
- -2.7%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
HRTG Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 214.19 M | 212.66 M | 142.42 M | 212.46 M | 208.03 M | 211.52 M |
| Revenue Growth (YoY) | 2.96 % | 0.54 % | -32.27 % | 0.29 % | 2.19 % | 3.89 % |
| Cost of Revenue | 61.06 M | 91.60 M | 48.47 M | 119.95 M | 118.77 M | 145.22 M |
| Gross Profit | 153.14 M | 121.06 M | 93.95 M | 92.51 M | 89.27 M | 66.30 M |
| SG&A Expense | 69.29 M | 0.00 | 4.27 M | 22.34 M | 24.40 M | 23.86 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 70.98 M | 72.02 M | 6.00 M | 24.20 M | 26.28 M | 16.91 M |
| Operating Income | 82.16 M | 49.04 M | 87.95 M | 68.32 M | 62.99 M | 49.39 M |
| Pretax Income | 82.16 M | 49.04 M | 87.95 M | 68.32 M | 62.99 M | 40.01 M |
| Tax Provision | 20.45 M | 12.56 M | 21.27 M | 17.89 M | 14.97 M | 9.54 M |
| Net Income | 61.71 M | 36.48 M | 66.67 M | 50.42 M | 48.02 M | 30.47 M |
| EPS (Basic) | 2.06 | 1.19 | 2.16 | 1.63 | 1.55 | 0.99 |
| EPS (Diluted) | 2.05 | 1.19 | 2.15 | 1.63 | 1.55 | 0.99 |
| Shares Outstanding | 30.02 M | 30.68 M | 30.90 M | 30.89 M | 30.85 M | 30.70 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.