Heritage Insurance Holdings, Inc. (HRTG)
NYSE · Fire, Marine & Casualty Insurance · Finance, insurance and real estate · CIK 1598665 · fiscal year ends in Dec
Closing price $36.23 on 29 Oct 2026; 52-week range $20.88 to $37.66.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $854.6M
- Revenue growth
- 1.5%
- Net income, last twelve months
- $215.3M
- Earnings per share
- $7.02
- Operating margin
- 34.5%
- Net margin
- 25.2%
- Free cash flow
- $297.7M
- Return on equity
- 37.9%
- Market value
- $1.1B
- Price to earnings
- 5.2x
- Cash
- $587.6M
- Debt
- $71.3M
- Debt to equity
- 0.13
- Shares outstanding
- 29.7M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $847.3M | $267.2M | $195.6M | $6.32 | $174.2M | 10-K filed 12 Mar 2026 |
| FY2024 | 31 Dec 2024 | $817.0M | $93.6M | $61.5M | $2.01 | $78.9M | 10-K filed 13 Mar 2025 |
| FY2023 | 31 Dec 2023 | $735.5M | $63.2M | $45.3M | $1.73 | $60.5M | 10-K filed 13 Mar 2024 |
| FY2022 | 31 Dec 2022 | $662.5M | -$157.4M | -$154.4M | -$5.86 | -$42.8M | 10-K filed 13 Mar 2023 |
| FY2021 | 31 Dec 2021 | $631.6M | -$68.1M | -$74.7M | -$2.69 | $59.1M | 10-K filed 14 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $214.2M | $61.7M | $2.05 |
| Q1 FY2026 | 31 Mar 2026 | $212.7M | $36.5M | $1.19 |
| Q4 FY2025 | 31 Dec 2025 | $215.3M | $66.7M | $2.15 |
| Q3 FY2025 | 30 Sep 2025 | $212.5M | $50.4M | $1.63 |
| Q2 FY2025 | 30 Jun 2025 | $208.0M | $48.0M | $1.55 |
| Q1 FY2025 | 31 Mar 2025 | $211.5M | $30.5M | $0.99 |
| Q4 FY2024 | 31 Dec 2024 | $210.3M | $20.3M | $0.66 |
| Q3 FY2024 | 30 Sep 2024 | $211.8M | $8.2M | $0.27 |
Company events
The newest 8-K filings of 119 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 28 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 5 Aug 2026 | 8-K | Results | 2.02, 9.01 |
| 11 Jun 2026 | 8-K | Shareholder vote | 5.07 |
| 29 May 2026 | 8-K | Other events | 8.01, 9.01 |
| 7 May 2026 | 8-K | Results | 2.02, 9.01 |
| 9 Mar 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Feb 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 5 Nov 2025 | 8-K | Results | 2.02, 9.01 |
| 25 Sep 2025 | 8-K | Leadership change | 5.02 |
| 5 Aug 2025 | 8-K | Results | 2.02, 9.01 |
| 24 Jul 2025 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 11 Jun 2025 | 8-K | Shareholder vote, Other events | 5.07, 8.01 |
Every filing
The newest filings with the SEC of 260 held.
| Filed | Form | Period |
|---|---|---|
| 28 Oct 2026 | 8-K | 28 Oct 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 5 Aug 2026 | 8-K | 5 Aug 2026 |
| 11 Jun 2026 | 8-K | 10 Jun 2026 |
| 29 May 2026 | 8-K | 28 May 2026 |
| 8 May 2026 | 10-Q | 31 Mar 2026 |
| 7 May 2026 | 8-K | 7 May 2026 |
| 30 Apr 2026 | ARS | 31 Dec 2025 |
| 30 Apr 2026 | DEFA14A | – |
| 30 Apr 2026 | DEF 14A | 10 Jun 2026 |
| 19 Mar 2026 | 10-K/A | 31 Dec 2025 |
| 12 Mar 2026 | 10-K | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 19 Oct 2026 | Johns Timothy E, See Remarks | Sale under a trading plan | 3,500 | $35.91 | $125.7K | 18,438 | 21 Oct 2026 |
| 18 Sep 2026 | Johns Timothy E, See Remarks | Sale under a trading plan | 3,500 | $34.74 | $121.6K | 21,938 | 22 Sep 2026 |
| 14 Sep 2026 | Garateix Ernie J, Chief Executive Officer | Sale outside a trading plan | 2,500 | $35.25 | $88.1K | 1,035,955 | 16 Sep 2026 |
| 9 Sep 2026 | Binnun Sharon, Chief Accounting Officer | Sale outside a trading plan | 6,565 | $33.81 | $222.0K | 80,623 | 11 Sep 2026 |
| 3 Sep 2026 | Garateix Ernie J, Chief Executive Officer | Sale outside a trading plan | 2,500 | $35.10 | $87.8K | 1,038,455 | 8 Sep 2026 |
| 1 Sep 2026 | Binnun Sharon, Chief Accounting Officer | Sale under a trading plan | 9,200 | $33.91 | $312.0K | 87,188 | 3 Sep 2026 |
| 24 Aug 2026 | Garateix Ernie J, Chief Executive Officer | Sale outside a trading plan | 10,000 | $34.88 | $348.8K | 1,040,955 | 26 Aug 2026 |
| 19 Aug 2026 | Johns Timothy E, See Remarks | Sale under a trading plan | 3,500 | $33.68 | $117.9K | 25,438 | 21 Aug 2026 |
| 18 Aug 2026 | Garateix Ernie J, Chief Executive Officer | Sale outside a trading plan | 5,000 | $34.55 | $172.7K | 1,050,955 | 19 Aug 2026 |
| 17 Aug 2026 | Garateix Ernie J, Chief Executive Officer | Sale outside a trading plan | 5,000 | $34.31 | $171.6K | 1,055,955 | 19 Aug 2026 |
| 17 Aug 2026 | Lusk Kirk, Chief Financial Officer | Sale outside a trading plan | 10,000 | $34.16 | $341.6K | 492,522 | 19 Aug 2026 |
| 10 Aug 2026 | Moura Timothy, See Remarks | Sale outside a trading plan | 15,104 | $32.49 | $490.7K | 144,941 | 12 Aug 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 19 Oct 2026 | TIMOTHY JOHNS, Officer | 3,500 | $125.2K | 19 Oct 2026 |
| 18 Sep 2026 | TIMOTHY JOHNS, Officer | 3,500 | $124.0K | 18 Sep 2026 |
| 14 Sep 2026 | ERNESTO J GARATEIX, Officer | 2,500 | $88.1K | 14 Sep 2026 |
| 9 Sep 2026 | SHARON ANN BINNUN, Officer | 6,565 | $222.0K | 9 Sep 2026 |
| 3 Sep 2026 | ERNESTO J GARATEIX, Officer | 2,500 | $87.8K | 3 Sep 2026 |
| 1 Sep 2026 | SHARON BINNUN, Officer | 9,200 | $309.3K | 1 Sep 2026 |
| 24 Aug 2026 | ERNESTO J GARATEIX, Officer | 10,000 | $348.8K | 24 Aug 2026 |
| 19 Aug 2026 | TIMOTHY JOHNS, Officer | 3,500 | $117.9K | 19 Aug 2026 |
| 18 Aug 2026 | ERNESTO J GARATEIX, Officer | 5,000 | $172.7K | 18 Aug 2026 |
| 17 Aug 2026 | ERNESTO J GARATEIX, Officer | 5,000 | $171.3K | 17 Aug 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 25 Sep 2026 | Raymond T. Hyer | 13G amended | 7.04% | 2.1M |
| 27 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 30 Oct 2025 | The Vanguard Group | 13G | 5.3% | 1.6M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 786.0K | -0.01% | 3.6 |
| 30 Sep 2026 | 786.1K | -7.79% | 2.39 |
| 15 Sep 2026 | 852.5K | +6.53% | 3.39 |
| 31 Aug 2026 | 800.2K | +20.91% | 3.34 |
| 14 Aug 2026 | 661.8K | -11.11% | 1.62 |
| 31 Jul 2026 | 744.5K | -18.94% | 2.62 |
| 15 Jul 2026 | 918.5K | -6.34% | 3.25 |
| 30 Jun 2026 | 980.7K | +2.42% | 1.71 |
Funds that hold it
From each fund's latest Form 13F.
220 funds held it at 30 Jun 2026: 100 added and 62 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 2,332,889 | $60.8M | +142,519 |
| Dimensional Fund Advisors LP | 1,310,615 | $34.2M | +63,692 |
| American Century Companies Inc. | 1,066,936 | $27.8M | +77,985 |
| Vanguard Capital Management LLC | 1,013,658 | $26.4M | +12,415 |
| Vanguard Portfolio Management LLC | 949,090 | $24.8M | +102,397 |
| Geode Capital Management, LLC | 749,878 | $19.6M | +10,988 |
| State Street Corp. | 564,008 | $14.7M | +38,909 |
| Connor, Clark & Lunn Investment Management Ltd. | 553,556 | $14.4M | +2,689 |
| Assenagon Asset Management S.A. | 526,642 | $13.7M | – |
| Pacific Ridge Capital Partners, LLC | 500,463 | $13.1M | +94,603 |
Peers
Companies in the same industry.
- Berkshire Hathaway Inc. (BRK.B): revenue $384.7B, market value $1.17T
- Chubb Ltd. (CB): revenue $61.8B, market value $138.6B
- Progressive Corp. (PGR): revenue $91.1B, market value $133.8B
- Travelers Companies, Inc. (TRV): revenue $48.9B, market value $81.6B
- Allstate Corp. (ALL): revenue $70.1B, market value $65.0B
- American International Group, Inc. (AIG): revenue $26.6B, market value $42.7B
- Arch Capital Group Ltd. (ACGL): revenue $19.2B, market value $35.5B
- Hartford Insurance Group, Inc. (HIG): revenue $29.0B, market value $35.3B
- Everest Group, Ltd. (EG): revenue $16.8B, market value $29.8B
- Cincinnati Financial Corp. (CINF): revenue $13.3B, market value $27.9B