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Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. 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. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Heritage Insurance Holdings is a regional property-and-casualty insurer underwriting homeowners and dwelling policies, concentrated in Florida and other Southeastern U.S. markets. Long-term growth may be driven by continued rate actions, underwriting discipline, selective agency expansion and reinsurance strategies, and the company may appeal because it appears positioned to benefit from improving loss ratios and stronger pricing.
Key risks are significant exposure to hurricane and severe-weather losses, volatile or costly reinsurance capacity, state regulatory changes affecting pricing and claims, and execution risk in maintaining underwriting profitability.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 259.26M | 82.68M | 52.01M | -166.17M | -76.03M |
| Net income | 195.59M | 61.54M | 45.31M | -154.36M | -74.73M |
| Selling general administrative | 92.97M | 85.14M | 77.78M | 70.40M | 65.79M |
| Selling and marketing expenses | - | - | 3.25M | - | - |
| Gross profit | 534.08M | 178.75M | 141.76M | 662.46M | 631.56M |
| Reconciled depreciation | 12.70M | 9.55M | 8.69M | 8.36M | 8.45M |
| Ebit | 267.15M | 93.61M | 63.22M | -157.36M | -90.89M |
| Ebitda | 279.85M | 103.16M | 71.90M | -149.00M | -82.44M |
| Depreciation and amortization | 12.70M | 9.55M | 8.69M | 8.36M | 8.45M |
| Non operating income net other | - | - | - | -64.33M | -13.66M |
| Operating income | 259.26M | 82.68M | 52.01M | -157.36M | -90.89M |
| Other operating expenses | 588.07M | 734.31M | 683.49M | 828.63M | 707.60M |
| Interest expense | 7.89M | 10.93M | 11.21M | 8.81M | 7.97M |
| Tax provision | 63.67M | 21.14M | 6.70M | -11.81M | -1.31M |
| Net interest income | -7.89M | -10.93M | -11.21M | -8.81M | -7.97M |
| Non recurring | - | - | - | 91.96M | 60.50M |
| Income tax expense | 63.67M | 21.14M | 6.70M | -11.81M | -1.31M |
| Total revenue | 847.33M | 816.99M | 735.50M | 662.46M | 631.56M |
| Total operating expenses | 274.82M | 96.07M | 89.75M | 70.40M | -722.45M |
| Cost of revenue | 313.25M | 638.24M | 593.74M | 501.16M | 427.37M |
| Total other income expense net | -7.89M | -10.93M | -11.21M | -8.81M | 14.85M |
| Net income from continuing ops | 195.59M | 61.54M | 45.31M | -154.36M | -74.73M |
| Net income applicable to common shares | - | - | - | -154.36M | -74.73M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 2195.82M | 2468.92M | 2119.57M | 2392.60M | 1980.76M |
| Intangible assets | 94.73M | 99.58M | 111.81M | 49.58M | 55.93M |
| Other current assets | 339.08M | 325.06M | 308.89M | 815.57M | 277.97M |
| Total liab | 1690.57M | 2178.12M | 1899.29M | 2261.56M | 1637.71M |
| Total stockholder equity | 505.25M | 290.80M | 220.28M | 131.04M | 343.05M |
| Deferred long term liab | - | - | - | - | 9.43M |
| Other current liab | 607.71M | 1069.19M | 907.14M | -289.81M | -263.25M |
| Common stock | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Capital stock | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Retained earnings | 283.25M | 87.66M | 26.12M | -19.19M | 138.38M |
| Other liab | - | - | - | 0.23M | 599.59M |
| Good will | - | - | - | 0.00M | 91.96M |
| Other assets | 1459.44M | 2468.92M | 2119.57M | 1916.20M | -264.82M |
| Cash | 559.27M | 452.67M | 463.64M | 280.88M | 359.34M |
| Total current liabilities | 1664.78M | 2116.70M | 1874.08M | 16.84M | 263.25M |
| Current deferred revenue | 727.09M | 717.89M | 699.82M | 16.84M | - |
| Net debt | -459.46M | -311.33M | -315.45M | -110.69M | -207.41M |
| Short term debt | 74.06M | 80.12M | 89.62M | 10.00M | - |
| Short long term debt | 74.06M | 80.12M | 89.62M | 10.00M | 0.00M |
| Short long term debt total | 99.81M | 141.34M | 148.19M | 170.19M | 151.93M |
| Other stockholder equity | 232.55M | 231.74M | 229.41M | 203.81M | 209.24M |
| Property plant equipment | - | - | - | 25.73M | 45.18M |
| Total current assets | 1430.36M | 1719.53M | 1452.91M | 373.63M | 1381.75M |
| Long term investments | 714.30M | 657.49M | 569.41M | 637.09M | 697.87M |
| Net tangible assets | - | - | - | 81.46M | 195.17M |
| Short term investments | 99.41M | 91.33M | 89.53M | 635.57M | 669.35M |
| Net receivables | 432.60M | 850.47M | 590.85M | 909.93M | 353.06M |
| Long term debt | 4.37M | 36.19M | 30.11M | 128.94M | 120.76M |
| Inventory | - | - | -553.13M | - | - |
| Accounts payable | 251.65M | 248.21M | 176.01M | 279.81M | 263.25M |
| Accumulated other comprehensive income | -10.55M | -28.60M | -35.25M | -53.59M | -4.57M |
| Common stock total equity | - | - | - | 0.00M | 0.00M |
| Retained earnings total equity | - | - | - | -19.19M | 138.38M |
| Treasury stock | - | - | - | -130.90M | -123.56M |
| Non currrent assets other | 2.96M | 4.82M | 6.20M | -653.93M | -9.43M |
| Non current assets total | 765.46M | 749.39M | 666.67M | 102.77M | 863.83M |
| Capital lease obligations | 21.39M | 25.02M | 28.46M | 31.25M | 31.17M |
| Long term debt total | - | - | - | 128.94M | 120.76M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -27.76M | -91.60M | 100.81M | -40.42M | -126.06M |
| Change to liabilities | - | - | - | 84.94M | 46.28M |
| Total cashflows from investing activities | -32.67M | -91.60M | 100.81M | -37.86M | -124.48M |
| Net borrowings | -36.05M | -4.27M | -9.68M | 7.15M | -2.15M |
| Total cash from financing activities | -40.63M | -5.19M | 14.55M | -5.06M | -17.28M |
| Change to operating activities | - | - | - | -22.07M | 11.61M |
| Net income | 195.59M | 61.54M | 45.31M | -154.36M | -74.73M |
| Change in cash | 108.94M | -9.69M | 185.77M | -77.18M | -81.63M |
| Begin period cash flow | 463.64M | 473.34M | 287.57M | 364.75M | 446.38M |
| End period cash flow | 572.58M | 463.64M | 473.34M | 287.57M | 364.75M |
| Total cash from operating activities | 182.24M | 87.09M | 70.42M | -34.26M | 60.13M |
| Issuance of capital stock | 0.00M | - | 24.67M | - | - |
| Depreciation | -0.78M | 9.55M | 8.69M | 8.36M | 8.45M |
| Other cashflows from investing activities | 311.99M | -0.27M | - | 4.24M | 2.58M |
| Dividends paid | - | 0.05M | 0.01M | -4.77M | -6.71M |
| Change to account receivables | 428.05M | -257.12M | 323.80M | -556.49M | 91.19M |
| Sale purchase of stock | -2.28M | -0.00M | -0.43M | -7.34M | -8.19M |
| Other cashflows from financing activities | -2.30M | -0.86M | -0.43M | 34.91M | -0.23M |
| Change to netincome | - | - | - | 82.37M | 55.87M |
| Capital expenditures | 8.07M | 8.23M | 9.89M | 12.38M | 1.01M |
| Change receivables | - | - | - | -598.25M | 70.71M |
| Cash flows other operating | - | - | - | 538.53M | -52.29M |
| Cash and cash equivalents changes | - | - | - | -77.18M | -81.63M |
| Change in working capital | -28.85M | 18.62M | 15.48M | 24.96M | 64.68M |
| Stock based compensation | 5.39M | 3.25M | 1.36M | 2.01M | 1.16M |
| Other non cash items | 8.51M | -1.03M | -0.46M | 95.97M | 66.52M |
| Free cash flow | 174.16M | 78.86M | 60.52M | -46.64M | 59.12M |
Sector: Financial Services Industry: Insurance - Property & Casualty
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| HRTG Heritage Insurance Hldgs Inc |
0.34 0.95% |
35.98 | 5.00 | - | 1.21 | 1.84 | 0.70 |
| CB Chubb Ltd |
- -% |
368.98 | 12.11 | 11.83 | 2.13 | 1.75 | 2.45 |
| PGR Progressive Corp |
2.82 1.22% |
234.10 | 11.10 | 13.55 | 1.41 | 3.74 | 1.50 |
| TKOMF Tokio Marine Holdings Inc. |
-0.03 0.82% |
3.62 | 28.94 | 12.24 | 0.01 | 1.87 | 1.61 |
| TKOMY Tokio Marine Holdings Inc |
0.01 0.27% |
3.67 | 28.73 | 12.25 | 0.01 | 1.87 | 1.61 |
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. 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. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
1401 N. Westshore Blvd., Tampa, FL, United States, 33607
727 362 7200
542
| Name | Title | Year Born |
|---|---|---|
| Mr. Ernesto Jose Garateix CPCU | CEO & Director | 1972 |
| Mr. Kirk Howard Lusk | Chief Financial Officer | 1961 |
| Ms. Sharon Ann Binnun | Chief Accounting Officer | 1962 |
| Mr. Timothy Michael Moura | Pres of Narragansett Bay Insurance Company | 1973 |
| Mr. Timothy E. Johns | Pres of Zephyr Insurance Company | 1957 |
| Mr. Joseph Rene Peiso | VP of Compliance | 1959 |
| Arlene Luis | Exec. VP of Commercial | NA |
| Mr. Randy Jones | Pres of Commercial Division | NA |
| Mr. Stephen Lowell Rohde | Advisory | 1951 |
| Mr. Kirk Howard Lusk | CFO, Company Secretary & Treasurer | 1961 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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