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HRTG Heritage Insurance Holdings, Inc.

Trailing twelve months to 2026-06-30 · as filed 2026-08-07, not restated
Financials

Scale

Market cap
$1.0bn
Revenue TTM
$855m
Net income TTM
$215m
Free cash flow
$298m
Composite score
76.5
Sector rank
#2008

Valuation

P / E
4.7
EV / EBITDA
1.6
EV / sales
0.6
FCF yield
29.40%
Earnings yield vs 10-yr
16.53pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
25.2%
EBITDA margin
35.3%
ROE
37.9%
ROIC
572.8%
Revenue growth
1.5%

Insider activity, last 90 days

Net open-market
$-2.39m
Buyers
0
Sellers
5

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Florida personal lines claim costs associated with litigated claims have decreased over the last several years due to favorable legislation aimed to curtail claims abuse and stabilize the Florida property insurance market. The increase was primarily driven by lower losses and higher revenue. Revenue growth reflected lower ceded premiums, which increased net premiums earned, as well as higher investment income from a larger invested asset base. Losses decreased primarily due to favorable prior-year loss development and lower weather-related losses. …Heritage Insurance Holdings, Inc., 10-Q, period ended 2026-06-30, filed 2026-08-07

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