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Heritage Insurance Hldgs Inc

Financial Services US HRTG

28.14USD
1.34(5.00%)

Last update at 2026-03-12T20:12:00Z

Day Range

26.5028.16
LowHigh

52 Week Range

1.669.79
LowHigh

Fundamentals

  • Previous Close 26.80
  • Market Cap186.15M
  • Volume513718
  • P/E Ratio7.09
  • Dividend Yield7.06%
  • EBITDA51.31M
  • Revenue TTM723.12M
  • Revenue Per Share TTM27.92
  • Gross Profit TTM 4.99M
  • Diluted EPS TTM0.98

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -166.17000M -76.03400M 2.21M 41.00M 38.99M
Minority interest - - - - -
Net income -154.36300M -74.72700M 9.33M 28.64M 27.16M
Selling general administrative 70.40M 65.79M 81.54M 80.54M 88.54M
Selling and marketing expenses - - - - -
Gross profit 662.46M 631.56M 593.38M 511.31M 480.17M
Reconciled depreciation 8.36M 8.45M 8.10M 10.44M 27.07M
Ebit -157.36100M -90.88800M -11.75300M 27.00M 59.01M
Ebitda -149.00200M -82.43900M -3.65200M 37.44M 86.08M
Depreciation and amortization 8.36M 8.45M 8.10M 10.44M 27.07M
Non operating income net other -64.33500M -13.66100M 20.74M 19.72M -16.22700M
Operating income -157.36100M -90.88800M -11.75300M 27.00M 59.01M
Other operating expenses 828.63M 707.60M 591.17M 470.31M 441.18M
Interest expense 8.81M 7.97M 7.97M 8.52M 20.02M
Tax provision -11.80700M -1.30700M -7.11300M 12.36M 11.84M
Interest income - - - 8.52M 20.02M
Net interest income -8.80900M -7.97000M -7.97200M -8.52300M -20.01500M
Extraordinary items - - - - -
Non recurring 91.96M 60.50M - - -
Other items - - - - -
Income tax expense -11.80700M -1.30700M -7.11300M 12.36M 11.84M
Total revenue 662.46M 631.56M 593.38M 511.31M 480.17M
Total operating expenses 70.40M -722.44900M -605.13800M -484.30600M -421.16200M
Cost of revenue 501.16M 427.37M 373.39M 381.19M 322.09M
Total other income expense net -8.80900M 14.85M 13.97M 14.00M 15.19M
Discontinued operations - - - - -
Net income from continuing ops -154.36300M -74.72700M 9.33M 28.64M 27.16M
Net income applicable to common shares -154.36300M -74.72700M 9.33M 28.64M 27.16M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 2392.60M 1980.76M 2089.38M 1939.67M 1768.71M
Intangible assets 49.58M 55.93M 62.28M 68.64M 76.85M
Earning assets - - - - -
Other current assets 815.57M 277.97M -1025.74300M -424.08100M -369.97200M
Total liab 2261.56M 1637.71M 1647.04M 1490.87M 1343.38M
Total stockholder equity 131.04M 343.05M 442.34M 448.80M 425.33M
Deferred long term liab - 9.43M 18.48M 12.62M 7.71M
Other current liab -289.81300M -263.25300M -261.00800M -237.39600M -195.35400M
Common stock 0.00300M 0.00300M 0.00300M 0.00300M 0.00300M
Capital stock 0.00300M 0.00300M 0.00300M 0.00300M 0.00300M
Retained earnings -19.19000M 138.38M 219.78M 217.27M 195.75M
Other liab 0.23M 599.59M 677.82M 13.01M 440.52M
Good will 0.00000M 91.96M 152.46M 152.46M 152.46M
Other assets 1916.20M -264.81700M -173.35100M -240.80600M -191.42200M
Cash 280.88M 359.34M 440.96M 268.35M 250.12M
Cash and equivalents - - - - -
Total current liabilities 16.84M 263.25M 261.01M 237.40M 195.35M
Current deferred revenue 16.84M - 18.48M - 203.73M
Net debt -110.69100M -207.40800M -319.95800M -139.10300M -101.32300M
Short term debt 10.00M - 10.00M 10.00M 20.00M
Short long term debt 10.00M 0.00000M 10.00M 10.00M 20.00M
Short long term debt total 170.19M 151.93M 121.00M 129.25M 148.79M
Other stockholder equity 203.81M 209.24M 216.50M 224.20M 236.11M
Property plant equipment 25.73M 45.18M 18.68M 27.40M 18.00M
Total current assets 373.63M 1381.75M 1466.70M 1351.37M 1186.74M
Long term investments 637.09M 697.87M 591.76M 588.87M 526.11M
Net tangible assets 81.46M 195.17M 227.61M 227.70M 196.02M
Short term investments 635.57M 669.35M 561.01M 587.26M 526.11M
Net receivables 909.93M 353.06M 464.73M 495.76M 410.52M
Long term debt 128.94M 120.76M 121.00M 119.25M 128.79M
Inventory - - - - -
Accounts payable 279.81M 263.25M 251.01M 227.40M 166.97M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -53.58500M -4.57300M 6.06M 7.33M -6.52700M
Additional paid in capital - - - - -
Common stock total equity 0.00300M 0.00300M 0.00300M 0.00300M 0.00300M
Preferred stock total equity - - - - -
Retained earnings total equity -19.19000M 138.38M 219.78M 217.27M 195.75M
Treasury stock -130.90000M -123.55700M -115.36500M -105.36800M -89.18500M
Accumulated amortization - - - - -
Non currrent assets other -653.92700M -9.42600M -18.47700M -12.62300M -7.72000M
Deferred long term asset charges - - - - -
Non current assets total 102.77M 863.83M 796.03M 829.11M 773.40M
Capital lease obligations 31.25M 31.17M 8.15M 8.37M -
Long term debt total 128.94M 120.76M 121.00M 129.57M 148.79M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -40.42500M -126.05700M 22.82M -48.95900M 26.65M
Change to liabilities 84.94M 46.28M 112.62M -27.40800M 48.18M
Total cashflows from investing activities -37.86200M -124.48000M 22.06M -53.58500M 24.36M
Net borrowings 7.15M -2.14900M -0.29000M -3.14600M -18.30300M
Total cash from financing activities -5.05800M -17.28100M -28.89800M -45.43400M -31.95300M
Change to operating activities -22.06900M 11.61M 115.28M 24.70M 32.99M
Net income -154.36300M -74.72700M 9.33M 28.64M 27.16M
Change in cash -77.18000M -81.63100M 163.38M 20.64M 87.84M
Begin period cash flow 364.75M 446.38M 283.01M 262.37M 174.53M
End period cash flow 287.57M 364.75M 446.38M 283.01M 262.37M
Total cash from operating activities -34.26000M 60.13M 170.21M 119.66M 95.43M
Issuance of capital stock - - - - -
Depreciation 8.36M 8.45M 8.10M 10.44M 27.07M
Other cashflows from investing activities 4.24M 2.58M - 0.36M -0.91000M
Dividends paid -4.77000M -6.70900M -6.85200M -6.95900M 6.38M
Change to inventory - - - - -
Change to account receivables -556.49100M 91.19M 59.88M -117.65800M 50.18M
Sale purchase of stock -7.34300M -8.19200M -9.99700M -16.18300M -2.00000M
Other cashflows from financing activities 34.91M -0.23100M -2.38400M -3.52100M -5.27000M
Change to netincome 82.37M 55.87M 10.93M 4.53M -5.36400M
Capital expenditures 12.38M 1.01M 0.76M 4.98M 2.28M
Change receivables -598.24500M 70.71M 39.80M -108.59800M 45.47M
Cash flows other operating 538.53M -52.29400M -17.21300M 205.56M -57.20900M
Exchange rate changes - - - - -
Cash and cash equivalents changes -77.18000M -81.63100M 163.38M 20.64M 87.84M
Change in working capital 24.96M 64.68M 157.44M 73.42M 34.36M
Stock based compensation 2.01M 1.16M 4.68M 5.38M 5.27M
Other non cash items 95.97M 66.52M -15.58100M 2.68M 23.14M
Free cash flow -46.64200M 59.12M 169.46M 114.67M 93.15M

Peer Comparison

Sector: Financial Services Industry: Insurance - Property & Casualty

Company 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		 1.34 5.00% 28.14 7.09 - 0.26 1.20 0.14
PGR
Progressive Corp		 3.96 1.97% 205.18 34.22 20.33 1.55 5.46 1.70
CB
Chubb Ltd		 6.80 2.11% 329.56 12.92 10.49 1.85 1.73 2.18
ALL
The Allstate Corporation		 -0.56 0.27% 205.03 12.61 10.79 0.83 2.79 0.99
TKOMF
Tokio Marine Holdings Inc.		 - -% 40.24 14.81 10.00 0.0069 1.59 0.0064

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Profile

Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company offers personal residential property insurance for single-family homeowners and condominium owners; and rental property insurance in the states of Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, emergency, and recovery services; property management, and reinsurance services. In addition, the company provides personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as distribute indirectly to retail locations through wholesale agency relationships. Further, it offers personal and commercial insurance policies through a network of independent agencies. Heritage Insurance Holdings, Inc. was founded in 2012 and is headquartered in Tampa, Florida.

Heritage Insurance Hldgs Inc

1401 North Westshore Boulevard, Tampa, FL, United States, 33607

Key Executives

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

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