# Heritage Insurance Holdings, Inc. (HRTG) · Edgar & Edgarette company card

> Heritage Insurance Holdings (HRTG) grew revenue 3.7% in FY2025 to $847 million, operating margin 31.5%, equity 23.0% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1598665 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/HRTG) · [JSON](https://www.pops4.com/boards/company/HRTG.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $847M |
| Revenue growth, 1 year | 3.7% |
| Revenue growth per year | 7.6% |
| Operating margin | 31.5% (prior year 11.5%) |
| Net margin | 23.1% |
| Operating cash flow | $182M |
| Capital spending | $8M |
| Free cash flow | $174M |
| Cash | $559M |
| Long-term debt | $78M |
| Total assets | $2.2B |
| Total equity | $505M |
| Equity ÷ assets | 23.0% |
| Return on equity | 38.7% |
| Dividend per share | $0.24 |
| Dividend years rising | 0 |

## Readings, computed from those figures

- Piotroski F: 5 of 9 (middling)
- Health Harbor boat: New ship · no warning signs
- Cash Compass: In between · no clear cash pattern yet

## Edgarette's reading

Exposure: revenue $847.3M (FY2025), total debt $78.4M. Experience: revenue up 3.7% on the year, up 7.6% a year over 4 years; operating margin 31.5%, up from 11.5%. Soundness: equity 23.0% of assets, return on equity 38.7%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $776.9M and $999.2M next year (method v4.1: its own 4-year record of growth weighed at 50% against $100M–1B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $728.9M to $1.1B. A statistical range, not company guidance. Against peers (54 filers, $50M+ revenue, fire, marine & casualty insurance): growth 3.7% against 7.4%.

Range logged 2026-10-31, receipt a53b7033511a6a40, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

No warning filings in the window.

## Recent filings

- 8-K · filed 2026-10-28 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1598665/000119312526436203/0001193125-26-436203-index.htm)
- 10-Q · filed 2026-08-07 · [filing](https://www.sec.gov/Archives/edgar/data/1598665/000119312526339815/0001193125-26-339815-index.htm)
- 8-K · filed 2026-08-05 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1598665/000119312526335334/0001193125-26-335334-index.htm)
- 8-K · filed 2026-06-11 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1598665/000119312526267535/0001193125-26-267535-index.htm)
- 8-K · filed 2026-05-29 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1598665/000119312526245800/0001193125-26-245800-index.htm)
- 10-Q · filed 2026-05-08 · [filing](https://www.sec.gov/Archives/edgar/data/1598665/000119312526214067/0001193125-26-214067-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001598665.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1598665

## Cite

POPS4, Edgar & Edgarette: Heritage Insurance Holdings, Inc. (HRTG) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/HRTG. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.