Stocktoria
Heritage Insurance Holdings, Inc. HRTG
NYSE · XNYS · stock · Fire, Marine & Casualty Insurance · website · IPO 2014-05-23
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $847.3M | $817.0M | $735.5M | $662.5M | $631.6M |
| Operating income | $267.2M | $93.6M | $63.2M | -$157.4M | -$68.1M |
| Net income | $195.6M | $61.5M | $45.3M | -$154.4M | -$74.7M |
| Operating cash flow | $182.2M | $87.1M | $70.4M | -$34.3M | $60.1M |
| Free cash flow | $174.2M | $78.9M | $60.5M | -$42.8M | $59.1M |
| Total assets | $2.2B | $2.5B | $2.1B | $2.4B | $2.0B |
| Total liabilities | $1.7B | $2.2B | $1.9B | $2.3B | $1.6B |
| Shareholders' equity | $505.3M | $290.8M | $220.3M | $131.0M | $343.1M |
| Ratios | |||||
| Operating margin | 31.5% | 11.5% | 8.6% | -23.8% | -10.8% |
| Net margin | 23.1% | 7.5% | 6.2% | -23.3% | -11.8% |
| FCF margin | 20.6% | 9.7% | 8.2% | -6.5% | 9.4% |
| Return on assets | 8.9% | 2.5% | 2.1% | -6.5% | -3.8% |
| Return on equity | 38.7% | 21.2% | 20.6% | -117.8% | -21.8% |
| Debt / equity | 0.16× | 0.40× | 0.54× | 0.98× | 0.35× |
| Revenue growth | 3.7% | 11.1% | 11.0% | 4.9% | 6.4% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 172,530 | $4.5M |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001598665 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.