Heritage Insurance Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Heritage Insurance Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 17% in 3 years; of every extra $100 of sales, $313 became extra profit. Higher than almost all Financial Services companies in United States.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$313Sales grew 17% in 3 years; of every extra $100 of sales, $313 became extra profit.
Higher than almost all Financial Services companies in United States.
Asset Productivity Ratio
+17% / -8%In 3 years sales changed by +17% while total assets changed by -8%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 62% of Financial Services companies in United States.
Tangible Net Worth Ratio
94%Of every $100 of net worth, $94 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 74% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Heritage Insurance Holdings, Inc. owes $0.77 for every $1 it owns. Net profit rose 218% in the year to Dec 2025.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
5.4Investors pay $5.4 for every $1 of Heritage Insurance Holdings, Inc.'s yearly profit, lower than 93% of Financial Services companies in United States.
P/B ratio
1.97The share price is 1.97 times Heritage Insurance Holdings, Inc.'s book value per share, higher than 79% of Financial Services companies in United States.
Market cap
$1.1 BThe total market value of all of Heritage Insurance Holdings, Inc.'s shares at today's price (share price × number of shares), larger than 58% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$568 MWhat Heritage Insurance Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.09Net worth divided by the number of shares. The share price of $37.70 is 2.0 times this, which is the P/B above.
Return on equity (ROE)
45.3%Heritage Insurance Holdings, Inc. earned 45.3% on its shareholders' money over the last year, higher than 97% of Financial Services companies in United States.
Owes vs Owns
0.77×Heritage Insurance Holdings, Inc. owes $0.77 for every $1 it owns (moderate), lower than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneHeritage Insurance Holdings, Inc. does not currently pay a dividend.
Revenue growth
+1%Revenue rose 1% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Profit growth
+218%Net profit rose 218% in the year to Dec 2025.
Profit margin
25.3%Heritage Insurance Holdings, Inc. keeps $25 of every $100 of revenue as net profit.
Questions
What is Heritage Insurance Holdings, Inc.'s P/E ratio?
Investors pay $5.4 for every $1 of Heritage Insurance Holdings, Inc.'s yearly profit, lower than 93% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Heritage Insurance Holdings, Inc.: $1.1 B ÷ $568 M (30 Jun 2026) = 2.0.
What is Heritage Insurance Holdings, Inc.'s return on equity?
Heritage Insurance Holdings, Inc. earned 45.3% on its shareholders' money over the last year, higher than 97% of Financial Services companies in United States.
How much does Heritage Insurance Holdings, Inc. owe compared with what it owns?
Heritage Insurance Holdings, Inc. owes $0.77 for every $1 it owns (moderate), lower than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Heritage Insurance Holdings, Inc. pay a dividend?
No. Heritage Insurance Holdings, Inc. does not currently pay a dividend.
Is Heritage Insurance Holdings, Inc.'s revenue growing?
Revenue rose 1% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.