Touchstone
Last syncNov 1, 2026, 6:55 PM ET

HRTG

Heritage Insurance Holdings, Inc. Financials Fire, Marine & Casualty Insurance Russell 3000
$35.64Close $1.1BMarket cap $20.88 – $37.7052-week range Late-januaryNext report · estimated

Highlights

Strengths

  • In a stage-2 uptrend all 8 trend conditions pass
  • Leading the market RS 86 · stronger than 86% of stocks over 12 months
  • Earnings growing EPS +33% year on year, faster than the quarter before (+13 pts)

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 5%
1wk down 3.2% price change
1mo up 7.5% price change
12-month return up 53% market up 11% · its own up 44%
F-score — — Not assessed
Altman Z — Unknown
P/E 5.6× price / earnings
PEG 0.03 P/E / EPS growth
P/B 2.2× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 4% year on year
EPS growth up 33% latest quarter · +13 pts
Sales growth up 3% latest quarter · +2 pts
ROE up 49% return on equity
Free cash margin —
D/E 0.16 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 33% ($0.1B → $0.1B)

Trade setup

ATR% 3.6% $1.28 a day · 2×ATR $33.09
RS 86 / 99 vs the universe
Trend 8 / 8 trend template
Relative volume 1.6× vs 50-day average
Up/down volume 1.42 50 sessions
Implied move — no scheduled report
Trend template · 8 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 28, 2026
Results reaction Oct 28, 20260% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $847.3M +4% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $593.4M FY2021 · $631.6M FY2022 · $662.5M FY2023 · $735.5M FY2024 · $817.0M FY2025 · $847.3M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $195.6M +218% on FY2024
-$200M $0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $9.3M FY2021 · -$74.7M FY2022 · -$154.4M FY2023 · $45.3M FY2024 · $61.5M FY2025 · $195.6M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 23%
-25% 0% 25% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 2% FY2021 · Net -12% FY2022 · Net -23% FY2023 · Net 6% FY2024 · Net 8% FY2025 · Net 23%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $441.0M · Long-term debt $121.0M FY2021 · Cash $359.3M · Long-term debt $120.8M FY2022 · Cash $280.9M · Long-term debt $128.9M FY2023 · Cash $463.6M · Long-term debt $119.7M FY2024 · Cash $452.7M · Long-term debt $116.3M FY2025 · Cash $559.3M · Long-term debt $78.4M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 30.83m +11.1% since FY2020
30.83m 25.54m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 27.75m FY2021 · 26.75m FY2022 · 25.54m FY2023 · 30.22m FY2024 · 30.61m FY2025 · 30.83m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $593.4M $631.6M $662.5M $735.5M $817.0M $847.3M
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
Net margin 2% -12% -23% 6% 8% 23%
Earnings per share $0.33 -$2.69 -$5.86 $1.73 $2.01 $6.32
Cash $441.0M $359.3M $280.9M $463.6M $452.7M $559.3M
Long-term debt $121.0M $120.8M $128.9M $119.7M $116.3M $78.4M
Shareholders' equity $442.3M $343.1M $131.0M $220.3M $290.8M $505.3M
Shares outstanding 27.75m 26.75m 25.54m 30.22m 30.61m 30.83m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Mar 12, 2026 Annual ↗ Dec 31, 2025 71d
Nov 7, 2025 Quarterly ↗ Sep 30, 2025 38d
Aug 8, 2025 Quarterly ↗ Jun 30, 2025 39d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Mar 13, 2025 Annual ↗ Dec 31, 2024 72d
Nov 8, 2024 Quarterly ↗ Sep 30, 2024 39d
Aug 8, 2024 Quarterly ↗ Jun 30, 2024 39d
May 8, 2024 Quarterly ↗ Mar 31, 2024 38d
Mar 13, 2024 Annual ↗ Dec 31, 2023 73d
Nov 6, 2023 Quarterly ↗ Sep 30, 2023 37d

Current reports

FiledDisclosed
Oct 28, 2026 Results ↗
Aug 5, 2026 Results ↗
Jun 11, 2026 Shareholder vote ↗
May 29, 2026 Other events ↗
May 7, 2026 Results ↗
Mar 9, 2026 Results ↗
Feb 23, 2026 Results · Regulation FD ↗
Nov 5, 2025 Results ↗
Sep 25, 2025 Director or officer change ↗
Aug 5, 2025 Results ↗
Jul 24, 2025 Material agreement · New obligation ↗
Jun 11, 2025 Shareholder vote · Other events ↗