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STOCKS

Heritage Insurance Holdings (HRTG)

NYSE:HRTG

HRTG

Heritage Insurance Holdings

RESEARCH TOOLSreports

Heritage Insurance Holdings (HRTG) Ratios

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430 Followers

Heritage Insurance Holdings Ratios

HRTG's free cash flow for Q4 2025 was $1.33. For the 2025 fiscal year, HRTG's free cash flow was decreased by $ and operating cash flow was $0.42. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	152.87	152.87	0.00	0.00	0.00
Quick Ratio	152.87	152.87	0.00	0.00	0.00
Cash Ratio	130.61	130.61	0.00	0.00	0.00
Solvency Ratio	0.12	0.12	0.03	0.03	-0.06
Operating Cash Flow Ratio	42.56	42.56	0.00	0.00	0.00
Short-Term Operating Cash Flow Coverage	20.91	20.91	1.09	0.79	-0.35
Net Current Asset Value	$ -1.04B	$ -1.04B	$ -2.18B	$ -1.90B	$ -2.26B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.06	0.07	0.07
Debt-to-Equity Ratio	0.20	0.20	0.49	0.67	1.22
Debt-to-Capital Ratio	0.16	0.16	0.33	0.40	0.55
Long-Term Debt-to-Capital Ratio	0.13	0.13	0.11	0.12	0.19
Financial Leverage Ratio	4.35	4.35	8.49	9.62	18.26
Debt Service Coverage Ratio	13.02	13.02	0.90	0.65	-1.27
Interest Coverage Ratio	34.29	33.87	7.56	4.64	-18.86
Debt to Market Cap	0.11	0.10	0.31	0.70	2.72
Interest Debt Per Share	3.49	3.49	4.98	6.09	6.42
Net Debt to EBITDA	-1.64	-1.64	-3.02	-4.39	0.81
Profitability Margins
Gross Profit Margin	63.03%	63.03%	21.88%	19.27%	0.75%
EBIT Margin	31.53%	31.53%	11.46%	8.59%	-23.75%
EBITDA Margin	33.03%	33.03%	12.63%	9.78%	-22.49%
Operating Profit Margin	31.91%	31.53%	10.12%	7.07%	-25.08%
Pretax Profit Margin	30.60%	30.60%	10.12%	7.07%	-25.08%
Net Profit Margin	23.08%	23.08%	7.53%	6.16%	-23.30%
Continuous Operations Profit Margin	23.08%	23.08%	7.53%	6.16%	-23.30%
Net Income Per EBT	75.44%	75.44%	74.43%	87.12%	92.89%
EBT Per EBIT	95.89%	97.05%	100.00%	100.00%	100.00%
Return on Assets (ROA)	8.91%	8.91%	2.49%	2.14%	-6.45%
Return on Equity (ROE)	47.28%	38.71%	21.16%	20.57%	-117.80%
Return on Capital Employed (ROCE)	12.34%	12.19%	3.35%	2.45%	-6.95%
Return on Invested Capital (ROIC)	27.53%	27.21%	76.80%	50.55%	-155.73%
Return on Tangible Assets	9.03%	9.03%	2.53%	2.18%	-6.59%
Earnings Yield	24.68%	21.64%	16.62%	26.53%	-325.53%
Efficiency Ratios
Receivables Turnover	8.89	8.89	0.97	1.25	0.73
Payables Turnover	0.00	0.00	2.57	3.37	3.02
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	18.53	18.53	13.84	12.76	12.45
Asset Turnover	0.39	0.39	0.33	0.35	0.28
Working Capital Turnover Ratio	1.31	2.61	0.00	0.00	0.00
Cash Conversion Cycle	41.07	41.07	235.51	183.00	380.62
Days of Sales Outstanding	41.07	41.07	377.46	291.20	501.35
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	141.95	108.20	120.73
Operating Cycle	41.07	41.07	377.46	291.20	501.35
Cash Flow Ratios
Operating Cash Flow Per Share	5.90	5.90	2.85	2.69	-1.30
Free Cash Flow Per Share	5.71	5.64	2.58	2.31	-1.77
CapEx Per Share	0.19	0.26	0.27	0.38	0.47
Free Cash Flow to Operating Cash Flow	0.97	0.96	0.91	0.86	1.36
Dividend Paid and CapEx Coverage Ratio	31.82	22.57	10.51	7.11	-2.00
Capital Expenditure Coverage Ratio	31.82	22.57	10.58	7.12	-2.77
Operating Cash Flow Coverage Ratio	1.83	1.83	0.62	0.48	-0.21
Operating Cash Flow to Sales Ratio	0.22	0.22	0.11	0.10	-0.05
Free Cash Flow Yield	22.26%	19.27%	21.30%	35.44%	-98.36%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	4.05	4.62	6.02	3.77	-0.31
Price-to-Sales (P/S) Ratio	0.94	1.07	0.45	0.23	0.07
Price-to-Book (P/B) Ratio	1.57	1.79	1.27	0.78	0.36
Price-to-Free Cash Flow (P/FCF) Ratio	4.49	5.19	4.69	2.82	-1.02
Price-to-Operating Cash Flow Ratio	4.35	4.96	4.25	2.43	-1.38
Price-to-Earnings Growth (PEG) Ratio	0.13	0.02	0.37	-0.03	>-0.01
Price-to-Fair Value	1.57	1.79	1.27	0.78	0.36
Enterprise Value Multiple	1.19	1.59	0.57	-2.01	0.49
Enterprise Value	333.42M	444.40M	58.87M	-144.67M	-73.27M
EV to EBITDA	1.19	1.59	0.57	-2.01	0.49
EV to Sales	0.39	0.52	0.07	-0.20	-0.11
EV to Free Cash Flow	1.89	2.55	0.75	-2.39	1.57
EV to Operating Cash Flow	1.83	2.44	0.68	-2.05	2.14
Tangible Book Value Per Share	15.38	15.38	8.32	6.79	3.09
Shareholders’ Equity Per Share	16.35	16.36	9.50	8.41	4.97
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.26	0.13	0.07
Revenue Per Share	27.42	27.43	26.70	28.08	25.15
Net Income Per Share	6.33	6.33	2.01	1.73	-5.86
Tax Burden	0.75	0.75	0.74	0.87	0.93
Interest Burden	0.97	0.97	0.88	0.82	1.06
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.11	0.11	0.10	0.11	0.11
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.93	0.93	1.42	1.55	0.22

Currency in USD