Heritage Insurance Holdings, Inc. (HRTG) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
HRTG financial screening at a glance
Calculation date: 2026-10-17. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
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Business activity evidence
Business exclusion flag
The supplied classification (Insurance - Property & Casualty) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style debt and cash reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Insurance - Property & Casualty | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Insurance - Property & Casualty | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 45.4% | |
| Operating Margin | 39.1% | |
| Net Margin | 25.2% | |
| Return on Equity (ROE) | 45.3% | |
| Return on Assets (ROA) | 7.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | USD 182M |
| Free Cash Flow | USD 174M |
| Total Debt | USD 100M |
| Debt-to-Equity | 16.2 |
| Current Ratio | 0.8 |
| Total Assets | USD 2.2B |
Price & Trading
| Last Close | $34.17 |
| 50-Day MA | $33.36 |
| 200-Day MA | $27.90 |
| Avg Volume | 294K |
| Beta | 0.9 |
|
52-Week Range
$20.48
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-10-08 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Heritage Insurance Holdings, Inc. (HRTG)
Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York. The company also provides homeowners insurance, condo insurance, dwelling fire, equipment coverage, and artisan contractor program. It offers insurance products through a network of independent agents. The company was founded in 2012 and is headquartered in Tampa, Florida.
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Frequently Asked Questions
Is Heritage Insurance Holdings, Inc. (HRTG) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Heritage Insurance Holdings, Inc.'s debt ratio?
Heritage Insurance Holdings, Inc.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Heritage Insurance Holdings, Inc.'s key financial metrics?
Heritage Insurance Holdings, Inc. has a market capitalization of USD 1027M in its listing currency, trailing P/E ratio of 4.9, and revenue of USD 774M. The company maintains a gross margin of 45.4% and a net margin of 25.2%. Return on equity stands at 45.3%.
How often is the screening data updated?
Calculation date: 2026-10-17. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.