Heritage Insurance Financial Ratios
NYSE: HRTGFinanceProperty-Casualty InsurersUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Heritage Insurance ratio analysis
Heritage Insurance earned a net margin of 23.1% in FY 2025, up from 7.5% a year earlier. Return on equity reached 38.7%, meaning Heritage Insurance generated 0.39 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.16 versus 0.40 the year before.
At the end of FY 2025, HRTG traded at 4.3 times earnings; across the 7 fiscal years shown, its year-end P/E ranged from 3.8 to 30.7, with a median of 13.3. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Heritage Insurance financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 4.32 | 5.97 | 3.77 | — | — | 30.70 | 13.35 | 14.42 | — | 13.75 |
| Price / sales | 0.99 | 0.45 | 0.23 | 0.07 | 0.26 | 0.48 | 0.75 | 0.81 | 1.19 | 1.06 |
| Price / book | 1.67 | 1.26 | 0.78 | 0.36 | 0.48 | 0.64 | 0.85 | 0.91 | 1.27 | 1.30 |
| Operating margin | 31.5% | 11.5% | 8.6% | -23.8% | -10.8% | 1.7% | 9.7% | 14.5% | 12.2% | 12.9% |
| Net margin | 23.1% | 7.5% | 6.2% | -23.3% | -11.8% | 1.6% | 5.6% | 5.7% | -0.3% | 7.7% |
| Free cash flow margin | 20.6% | 9.7% | 8.2% | -6.5% | 9.4% | 28.6% | 22.4% | 19.6% | 1.7% | 18.5% |
| Return on equity (ROE) | 38.7% | 21.2% | 20.6% | -117.8% | -21.8% | 2.1% | 6.4% | 6.4% | -0.3% | 9.5% |
| Return on assets (ROA) | 8.9% | 2.5% | 2.1% | -6.5% | -3.8% | 0.4% | 1.5% | 1.5% | -0.1% | 3.3% |
| Debt / equity | 0.16 | 0.40 | 0.54 | 0.98 | 0.35 | 0.27 | 0.29 | 0.35 | 0.49 | 0.20 |
| Revenue growth | 3.7% | 11.1% | 11.0% | 4.9% | 6.4% | 16.1% | 6.5% | 18.1% | -7.4% | 11.2% |
| EPS growth | 214.4% | 16.2% | — | — | -915.2% | -66.3% | -5.8% | — | -103.5% | -62.6% |