profit from every $100 of sales.
$0$100
Heritage Insurance Holdings
$33.68+0.54% today
+9.2% in 1 year
1-year low $20.881-year high $37.70
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $5.10 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Heritage Insurance Holdings sold, what it kept, and what it did with the cash.
Sales went from $662 million in 2022 to $774 million in 2025, with $196 million of profit last year.
SalesProfit
Heritage Insurance Holdings handed back 1% of the cash it generated last year.
Buybacks $2M
Free cash flow 2025$174M
Bought back its own shares$2M
Paid as dividends–
Cash vs. debt$559M vs. $100M
Heritage Insurance Holdings vs. similar companies
Heritage Insurance Holdings grows the slowest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Heritage Insurance Holdings | 5.1× · Cheap | ||
 Chubb | 13.9× · Cheap | ||
 The Progressive | 12.1× · Cheap | ||
 Tokio Marine Holdings | 15.9× · Fair price | ||
 The Travelers Companies | 13.1× · Cheap |
AI analysis
An AI analyst reads Heritage Insurance Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 662 | 671 | 767 | 774 | |
| – | – | – | – | |
| – | – | – | – | |
| -149 | 72 | 103 | 280 | |
| -154 | 45 | 62 | 196 | |
| -5.86 | 1.73 | 2.01 | 6.32 | |
| – | – | – | – | |
| – | – | – | – | |
| -23.3% | 6.8% | 8.0% | 25.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,393 | 2,120 | 2,469 | 2,196 |
| Cash | 281 | 464 | 453 | 559 |
| Total debt | 160 | 148 | 141 | 100 |
| Total liabilities | 2,262 | 1,899 | 2,178 | 1,691 |
| 131 | 220 | 291 | 505 | |
| 26 | 26 | 31 | 31 | |
| -42.7% | 13.6% | 17.1% | 34.9% | |
| -117.8% | 20.6% | 21.2% | 38.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -34 | 70 | 87 | 182 | |
| 12 | 10 | 8 | 8 | |
| -47 | 61 | 79 | 174 | |
| Dividends paid | 5 | 0 | – | – |
| 7 | 0 | 0 | 2 | |
| 2 | 1 | 3 | 5 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 5.1×
- 7.3×
- –
- 1.3×
- 1.3×
- 19.6%
- 0.0%
Profitability
- 25.3%
- 28.9%
- -1.8%
- 43.7%
- 10.0%
Growth
- +5.3%
- –
- −12.9%
- +2.7%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 4%of 848
Top 25%of 728
Top 5%of 880
Bottom 38%of 878
Top 13%of 932
What analysts expect
- Average price target
- $39.00
- Range
- $39.00 – $39.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 1.19 | 1.53 | −22.2% |
| Mar 9, 2026 | 2.15 | 1.61 | +33.5% |
| Nov 5, 2025 | 1.63 | 0.53 | +207.5% |
| Aug 5, 2025 | 1.55 | 1.03 | +50.5% |
| May 6, 2025 | 0.99 | 0.46 | +115.2% |
| Mar 11, 2025 | 0.66 | -0.17 | +488.2% |
| Nov 7, 2024 | -0.28 | -0.08 | −250.0% |
| Aug 6, 2024 | 0.61 | 0.41 | +48.8% |
News
Heritage Financial announces new stock repurchase programSeeking Alpha · Oct 22, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
65Pass
Benjamin Graham
63Pass
Philip Fisher
58No pass
Peter Lynch
66Pass
Joel Greenblatt
83Pass
Charlie Munger
67Pass
Terry Smith
60Pass
Questions about Heritage Insurance Holdings
Is Heritage Insurance Holdings a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Heritage Insurance Holdings AI analysis
What does Heritage Insurance Holdings do?
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It is in Insurance - Property & Casualty.
Does Heritage Insurance Holdings pay a dividend?
No. Heritage Insurance Holdings does not pay a dividend at the moment; in 2025 it returned $2.28 million to shareholders by buying back its own shares.
Is Heritage Insurance Holdings stock halal?
No. Heritage Insurance Holdings does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Heritage Insurance Holdings stock done over the past year?
Up 9.2% over the past twelve months, to $33.68. It traded between $20.88 and $37.70 and is 10.7% below its high.
Who are Heritage Insurance Holdings's competitors?
The largest listed companies in the same industry are Chubb, The Progressive, Tokio Marine Holdings and The Travelers Companies. The peers table on this page compares their profit, growth and price with Heritage Insurance Holdings's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.