Heritage Insurance Holdings (HRTG) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Heritage Insurance Holdings had a P/E ratio of 4.37 (down from 5.73), return on equity of 49.1% (up from 24.1%), debt-to-equity of 0.20 (down from 0.49) and a current ratio of 0.83 (up from 0.80). A current ratio of 0.83 means current liabilities exceed current assets.

Heritage Insurance Holdings Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	4.37	5.73	4.36	-	-	30.13
Forward P/E	7.25	8.46	5.41	15.20	36.36	8.06
P/S Ratio	1.01	0.43	0.27	0.07	0.26	0.47
P/B Ratio	1.69	1.21	0.90	0.35	0.47	0.64
Price/Tangible Book	1.80	1.39	1.11	0.56	0.83	1.23
Price/FCF	4.91	4.47	3.26	-	2.75	1.66
Price/OCF	4.69	4.05	2.80	-	2.70	1.65
PEG Ratio	71.00	71.00	71.00	71.00	5.20	-
Enterprise Value Ratios
EV/Revenue	0.47	-	0.16	-	-	-
EV/EBITDA	1.42	-	1.65	-	-	-
EV/EBIT	1.48	-	1.88	-	-	-
EV/FCF	2.27	-	1.98	-	-	-
Profitability & Returns
Return on Equity (ROE)	49.14%	24.08%	25.79%	-65.12%	-19.03%	2.09%
Return on Assets (ROA)	7.16%	2.55%	1.77%	-1.87%	-0.23%	0.32%
Return on Invested Capital (ROIC)	38.86%	17.41%	16.90%	-16.64%	-1.42%	1.76%
Leverage & Solvency Ratios
Debt/Equity	0.20	0.49	0.67	1.22	0.44	0.29
Debt/EBITDA	0.35	1.33	1.95	-	52.53	6.40
Debt/FCF	0.57	1.79	2.45	-	2.57	0.76
Liquidity Ratios
Current Ratio	0.83	0.80	0.78	0.72	0.67	0.78
Quick Ratio	0.42	0.27	0.32	0.18	0.30	0.37
Efficiency Ratios
Asset Turnover	0.36	0.36	0.33	0.30	0.31	0.29
Yield & Distribution Ratios
Earnings Yield	22.88%	17.46%	22.95%	-340.19%	-45.98%	3.32%
FCF Yield	20.37%	22.37%	30.65%	-102.79%	36.38%	60.32%
Dividend Yield	-	-	-	6.58%	3.92%	2.51%
Payout Ratio	-	-	0.02%	-	-	73.47%
Buyback Yield	-0.96%	-16.77%	0.35%	5.25%	0.66%	4.26%
Total Return	-0.96%	-16.77%	0.35%	11.84%	4.58%	6.77%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Heritage Insurance Holdings Financial Ratios

What is Heritage Insurance Holdings's P/E ratio?

Heritage Insurance Holdings's P/E ratio was 4.37 for fiscal 2025 (period ended Dec 31, 2025). It was 5.73 a year earlier.

What is Heritage Insurance Holdings's return on equity?

Heritage Insurance Holdings's return on equity (ROE) was 49.1% for fiscal 2025 (period ended Dec 31, 2025). It was 24.1% a year earlier.

What is Heritage Insurance Holdings's debt-to-equity ratio?

Heritage Insurance Holdings's debt-to-equity ratio was 0.20 for fiscal 2025 (period ended Dec 31, 2025). It was 0.49 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition