Heritage Insurance Holdings, Inc. (HRTG)
Heritage Insurance Holdings, Inc. brought in $861.4M of revenue over the twelve months to September 30, 2026, up 2.3% from a year earlier. Net income was $216M, a net margin of 25.1%. Operating cash flow minus capital spending left $174.2M of free cash flow in fiscal 2025. At September 30, 2026 it held $532.1M in cash against $70.4M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Heritage Insurance Holdings, Inc.
- Net worth
- Heritage Insurance Holdings, Inc. has a market value (market cap) of $980M at the latest share price, and shareholders' equity of $599.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $847.3M (+3.7% year on year), with net income of $195.6M. Over the 12 months to September 30, 2026: revenue $861.4M, net income $216M.
- Cash flow
- In fiscal 2025 operations brought in $182.2M of cash; after $8.1M of capital spending, free cash flow was $174.2M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Heritage Insurance Holdings, Inc.'s next report is expected around February 22, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Heritage Insurance Holdings, Inc. does
Heritage Insurance Holdings, Inc. is registered with the SEC under industry code SIC 6331 (Fire, Marine & Casualty Insurance). Its shares trade on NYSE under the ticker HRTG.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $847.3M | $195.6M | $6.32 | $174.2M |
| 2024 | $817M | $61.5M | $2.01 | $78.9M |
| 2023 | $735.5M | $45.3M | $1.73 | $60.5M |
| 2022 | $662.5M | -$154.4M | -$5.86 | -$42.8M |
| 2021 | $631.6M | -$74.7M | -$2.69 | $59.1M |
| 2020 | $593.4M | $9.3M | $0.33 | $169.5M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where HRTG ranks in Finance
Dividends
It paid out $11K in cash dividends, 0% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2023 | n/a | $11K | 0% |
| 2022 | $0.24 | $4.8M | n/a |
| 2021 | $0.48 | $6.7M | n/a |
| 2020 | $0.48 | $6.9M | 73% |
| 2019 | $0.48 | $7M | 24% |
| 2018 | $0.48 | $6.4M | 23% |
Latest SEC filings
What Heritage Insurance Holdings, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 3.2% to $219.2M versus the same quarter last year; diluted EPS $1.72 versus $1.63.
- October 28, 2026
- September 25, 2026Passive stake changed SCHEDULE 13G/A
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 3% to $214.2M versus the same quarter last year; diluted EPS $2.05 versus $1.55.
- August 5, 2026
- June 11, 2026
- May 29, 2026Other event 8-K
- May 8, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 0.5% to $212.7M versus the same quarter last year; diluted EPS $1.19 versus $0.99.
- May 7, 2026
- April 30, 2026
What is HRTG worth? A DCF from its reported cash flow
Insider trades
What the people running Heritage Insurance Holdings, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $2.1M worth of shares in the last 90 days and bought none on the open market. 32% of the selling was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 19, 2026 | Johns Timothy ESee Remarks | Soldpre-planned (10b5-1) | 3,500 | $125.7K |
| September 18, 2026 | Johns Timothy ESee Remarks | Soldpre-planned (10b5-1) | 3,500 | $121.6K |
| September 14, 2026 | Garateix Ernie JChief Executive Officer, Director | Sold | 2,500 | $88.1K |
| September 9, 2026 | Binnun SharonChief Accounting Officer | Sold | 6,565 | $222K |
| September 3, 2026 | Garateix Ernie JChief Executive Officer, Director | Sold | 2,500 | $87.8K |
| September 1, 2026 | Binnun SharonChief Accounting Officer | Soldpre-planned (10b5-1) | 9,200 | $312K |
| August 24, 2026 | Garateix Ernie JChief Executive Officer, Director | Sold | 10,000 | $348.8K |
| August 19, 2026 | Johns Timothy ESee Remarks | Soldpre-planned (10b5-1) | 3,500 | $117.9K |
Who owns HRTG
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Raymond T. Hyer13G, passive | 7.04% | September 25, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 188 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 2,332,889 | +142,519 |
| Dimensional Fund Advisors LP | 1,310,615 | +63,692 |
| American Century Companies Inc | 1,066,936 | +77,985 |
| Vanguard Capital Management LLC | 1,013,658 | +12,415 |
| Vanguard Portfolio Management LLC | 949,090 | +102,397 |
| Geode Capital Management, LLC | 749,878 | +10,988 |
| State Street Corp | 564,008 | +38,909 |
| Connor, Clark & Lunn Investment Management Ltd. | 553,556 | +2,689 |
| Assenagon Asset Management S.A. | 526,642 | +64,798 |
| Pacific Ridge Capital Partners, LLC | 500,463 | +94,603 |
| Jane Street Group, LLC | 477,890 | +269,727 |
| Morgan Stanley | 384,171 | +99,087 |
| Aqr Capital Management LLC | 365,883 | +16,634 |
| Two Sigma Investments, LP | 359,975 | +85,433 |
| Jacobs Levy Equity Management, Inc | 337,778 | -20,904 |
| Nuveen, LLC | 304,016 | +134,118 |
| Bridgeway Capital Management, LLC | 259,973 | 0 |
| Northern Trust Corp | 251,219 | +9,804 |
| Millennium Management LLC | 247,589 | +157,068 |
| Prudential Financial Inc | 239,202 | -252,890 |
Insiders
10 insiders reported holding 2,625,153 shares in total, about $86.5M at the last price.
| Holder | Shares |
|---|---|
| Garateix Ernie JChief Executive Officer, Director | 1,035,955 |
| Lusk KirkChief Financial Officer | 492,522 |
| Widdicombe Richard ADirector | 451,750 |
| Apostolou PanagiotisDirector | 169,972 |
| Moura TimothySee Remarks | 144,941 |
| Whiting Paul LDirector | 96,167 |
| Binnun SharonChief Accounting Officer | 80,623 |
| Barlas IriniDirector | 71,02271,022 held indirectly |
| Vattamattam JosephDirector | 63,763 |
| Johns Timothy ESee Remarks | 18,438 |
Questions about HRTG
What does Heritage Insurance Holdings, Inc. do?
Heritage Insurance Holdings, Inc. is a company in the Finance sector, listed on NYSE as HRTG. Its shares trade on NYSE under the ticker HRTG.
What is Heritage Insurance Holdings, Inc.'s net worth?
Heritage Insurance Holdings, Inc. has a market value (market cap) of $980M at the latest share price, and shareholders' equity of $599.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Heritage Insurance Holdings, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $216M on revenue of $861.4M, a net margin of 25.1%.
How much revenue does Heritage Insurance Holdings, Inc. make?
Over the twelve months to September 30, 2026 Heritage Insurance Holdings, Inc. reported revenue of $861.4M. That is 2.3% more than a year earlier.
When did Heritage Insurance Holdings, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is Heritage Insurance Holdings, Inc.'s next earnings report?
Heritage Insurance Holdings, Inc.'s next report is expected around February 22, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Theses that mention HRTG
Similar companies
Compare HRTG with
Follow HRTG
Get an email when Heritage Insurance Holdings, Inc. files with the SEC: results, executive changes, material agreements and annual reports.
Where the numbers come from
Financial figures are the values Heritage Insurance Holdings, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.