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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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437 Followers

Heritage Insurance Holdings Ratios

HRTG's free cash flow for Q3 2025 was $0.44. For the 2025 fiscal year, HRTG's free cash flow was decreased by $ and operating cash flow was $0.33. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.00	19.25	22.19	5.25
Quick Ratio	0.00	0.00	19.25	138.85	7.13
Cash Ratio	0.00	0.00	16.00	16.68	1.36
Solvency Ratio	0.08	0.03	0.03	-0.06	-0.04
Operating Cash Flow Ratio	0.00	0.00	2.43	-2.03	0.23
Short-Term Operating Cash Flow Coverage	1.50	1.09	0.00	-3.43	0.00
Net Current Asset Value	$ -1.93B	$ -2.18B	$ -1.37B	$ -1.89B	$ -255.97M
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.06	0.07	0.07	0.08
Debt-to-Equity Ratio	0.23	0.49	0.67	1.30	0.44
Debt-to-Capital Ratio	0.19	0.33	0.40	0.56	0.31
Long-Term Debt-to-Capital Ratio	<0.01	0.11	0.33	0.50	0.26
Financial Leverage Ratio	5.41	8.49	9.77	18.26	5.77
Debt Service Coverage Ratio	2.03	0.90	5.82	-7.74	-7.32
Interest Coverage Ratio	24.03	7.56	5.64	-17.86	-11.40
Debt to Market Cap	0.10	0.31	0.64	2.93	0.74
Interest Debt Per Share	3.57	4.98	6.09	6.79	5.75
Net Debt to EBITDA	-2.07	-3.02	-4.39	0.70	3.48
Profitability Margins
Gross Profit Margin	35.71%	21.88%	99.70%	100.00%	100.00%
EBIT Margin	24.81%	11.46%	8.57%	-23.75%	-10.78%
EBITDA Margin	26.25%	12.63%	9.75%	-23.75%	-9.44%
Operating Profit Margin	24.89%	10.12%	8.57%	-23.75%	-14.39%
Pretax Profit Margin	23.78%	10.12%	7.05%	-25.08%	-12.04%
Net Profit Margin	17.72%	7.53%	6.14%	-23.30%	-11.83%
Continuous Operations Profit Margin	17.72%	7.53%	6.14%	-23.30%	-11.83%
Net Income Per EBT	74.51%	74.43%	87.12%	92.89%	98.28%
EBT Per EBIT	95.53%	100.00%	82.27%	105.60%	83.66%
Return on Assets (ROA)	6.30%	2.49%	2.10%	-6.45%	-3.77%
Return on Equity (ROE)	41.44%	21.16%	20.57%	-117.80%	-21.78%
Return on Capital Employed (ROCE)	8.86%	3.35%	2.98%	-6.62%	-5.29%
Return on Invested Capital (ROIC)	208.27%	76.80%	2.54%	-31.13%	-4.51%
Return on Tangible Assets	6.39%	2.53%	2.15%	-6.59%	-4.08%
Earnings Yield	18.78%	16.62%	26.53%	-325.53%	-45.71%
Efficiency Ratios
Receivables Turnover	1.78	0.97	0.00	0.00	0.00
Payables Turnover	1.37	2.57	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	18.31	13.84	12.79	12.45	13.98
Asset Turnover	0.36	0.33	0.34	0.28	0.32
Working Capital Turnover Ratio	0.00	0.00	1.67	0.90	0.54
Cash Conversion Cycle	-60.80	235.51	0.00	0.00	0.00
Days of Sales Outstanding	205.15	377.46	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	265.95	141.95	0.00	0.00	0.00
Operating Cycle	205.15	377.46	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	3.64	2.85	2.69	-1.30	2.16
Free Cash Flow Per Share	3.55	2.58	2.31	-1.77	2.13
CapEx Per Share	0.08	0.27	0.38	0.47	0.04
Free Cash Flow to Operating Cash Flow	0.98	0.91	0.86	1.36	0.98
Dividend Paid and CapEx Coverage Ratio	43.84	10.51	7.11	-2.00	7.79
Capital Expenditure Coverage Ratio	43.84	10.58	7.12	-2.77	59.71
Operating Cash Flow Coverage Ratio	1.11	0.62	0.48	-0.20	0.40
Operating Cash Flow to Sales Ratio	0.13	0.11	0.10	-0.05	0.10
Free Cash Flow Yield	13.81%	21.30%	35.44%	-98.36%	36.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	5.26	6.02	3.77	-0.31	-2.19
Price-to-Sales (P/S) Ratio	0.93	0.45	0.23	0.07	0.26
Price-to-Book (P/B) Ratio	1.79	1.27	0.78	0.36	0.48
Price-to-Free Cash Flow (P/FCF) Ratio	7.15	4.69	2.82	-1.02	2.77
Price-to-Operating Cash Flow Ratio	6.98	4.25	2.43	-1.38	2.72
Price-to-Earnings Growth (PEG) Ratio	0.13	0.37	-0.03	>-0.01	<0.01
Price-to-Fair Value	1.79	1.27	0.78	0.36	0.48
Enterprise Value Multiple	1.48	0.57	-2.01	0.40	0.74
Enterprise Value	336.27M	58.87M	-144.67M	-63.27M	-43.92M
EV to EBITDA	1.52	0.57	-2.01	0.40	0.74
EV to Sales	0.40	0.07	-0.20	-0.10	-0.07
EV to Free Cash Flow	3.06	0.75	-2.39	1.36	-0.74
EV to Operating Cash Flow	2.99	0.68	-2.05	1.85	-0.73
Tangible Book Value Per Share	13.13	8.32	6.79	3.09	7.02
Shareholders’ Equity Per Share	14.16	9.50	8.41	4.97	12.34
Tax and Other Ratios
Effective Tax Rate	0.25	0.26	0.13	0.07	0.02
Revenue Per Share	27.27	26.70	28.17	25.15	22.71
Net Income Per Share	4.83	2.01	1.73	-5.86	-2.69
Tax Burden	0.75	0.74	0.87	0.93	0.98
Interest Burden	0.96	0.88	0.82	1.06	1.12
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.11	0.10	0.11	0.11	0.10
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.75	1.42	1.55	0.22	-0.80

Currency in USD