Quarter
Charts

Heritage Insurance Holdings, Inc.

HRTG

CIK 0001598665 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$215M
↑+2.4% +$5Mvs FY2024 (Q4)
Operating Income
$90M
↑+184.5% +$58Mvs FY2024 (Q4)
Net Income
$67M
↑+228.6% +$46Mvs FY2024 (Q4)
Gross Profit
$152M
↑+50.1% +$51Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Average
55/100
  • Profitability
    100ROIC 40.7% (10% = solid, 20%+ = moat)
  • Liquidity
    0Insufficient data
  • Leverage
    92D/E 0.16 (under 0.5 = conservative)
  • Efficiency
    13Asset Turnover 0.36x (1.0+ = capital-efficient)
  • Growth
    25Revenue YoY +2.4% (10% = solid, 25%+ = elite)
  • Margin Trend
    100Op Margin 41.6% · trend +20.0pts (4Q avg vs prior 4Q)

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project HRTG's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

8%

Trailing CAGR unavailable; default 8%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$96.80
Total enterprise IV
$3.00B
Diluted shares
0.03B
Terminal PV
$2.17B (72% of total)
Year-5 FCF
$256M
YearProjected FCFDiscounted PV
+1$188M$171M
+2$203M$168M
+3$219M$165M
+4$237M$162M
+5$256M$159M
Terminal$3.50B$2.17B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$8M
investment in PP&E
Dividends paid (TTM)
—
cash returned to holders
Stock buybacks (TTM)
$2M
share count reduction
Stock-based comp (TTM)
$5M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$2.20B
everything owned
Total liabilities
$1.69B
everything owed
Stockholders' equity
$505M
shareholder claim
Net debt
$-481M
Net cash position ($481M)

Recent performance · 55 quarters

Revenue↑+2.4% +$5M
$215M
Net Income↑+228.6% +$46M
$67M
Free Cash Flow↑+527.1% +$14M
$11M
Operating Margin↑+26.7pts
41.6%

Drill down

HRTG Sankey

See Heritage Insurance Holdings, Inc.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

HRTG Charts

55 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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HRTG Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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