All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2018-06-19.
From the record
Heritage Insurance Holdings Inc's filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2018-06-19) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+7.6% a year over 10 filed years; profitable in 7 of 10.
From the record
Heritage Insurance Holdings Inc's 10 filed years say what it did: revenue went from $439 million in fiscal 2016 to $847 million in fiscal 2025, up 7.6% a year; it rose in 8 of 9 years; the deepest fall was 7% from fiscal 2016 to fiscal 2017; net income was positive in 7 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 5.5% a year. 0% of cash flow returned. Insiders: 46 sales, 2 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Heritage Insurance Holdings Inc's diluted share count grew about 5.5% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 46 sales (31 under scheduled 10b5-1 plans) and 2 purchases of their own stock on the open market in the year to 2026-10-21, buying about $377 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 39%: 39¢ of profit per shareholder dollar. Leverage 77%: owes 77¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Heritage Insurance Holdings Inc earned about 39 cents of profit for every dollar of shareholders' money. Leverage: it owed about 77 cents per dollar of assets, and net share issuance: its share count grew 1.0% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 49% of 60 in its family; net margin 23.1%.
From the record
Heritage Insurance Holdings Inc's standing among 60 graded names in its industry family: revenue of $847 million in fiscal 2025 ranks in the bottom 33% by size; a net margin of 23.1% ranks in the top 16%; revenue growth of 8.5% a year over the last 3 filed years ranks in the bottom 38% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 24% of 47 in its family for leadership; chief executive since 2021.
From the record
Heritage Insurance Holdings Inc's leadership, from its insiders' filings and its current reports: the chief executive on the record is Garateix, Ernie J (Chief Executive Officer, as filed), filing under that title since 2021-01-06, 5.9 years (bottom 48% of its family); the 10 officers and directors filing in the last fifteen months have been on the record a median of 11.9 years (top 10%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 10 people in charge now (top 11%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 22% of 60 in its family for room to expand.
From the record
Heritage Insurance Holdings Inc's room to grow, from the newest filed statements (fiscal 2025): cash of $559 million against debt of $78 million leaves 21.9% of its assets as net cash, top 6% of its family; cash from operations less capital spending is 20.6% of revenue (top 39%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 41% of 56 in its family for growth drivers.
From the record
Heritage Insurance Holdings Inc's growth drivers, from the filed years to fiscal 2025: revenue grew 8.5% a year over the last three filed years against 7.6% over all 10, speeding up (bottom 38% of its family); the newest year grew 3.7% (bottom 33%); capital spending grew -1.9% a year (top 48%) (its annual reports). Heritage Insurance Holdings Inc tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 25% of 56 in its family for expectations against reality.
From the record
Heritage Insurance Holdings Inc's newest year against its own record: revenue of $847 million in fiscal 2025 came in 6.6% below the $907 million its prior three years' pace pointed to (bottom 44% of its family); net income of $196 million against a prior three-year average of $16 million (top 6%); a net margin of 23.1% against -3.2% before (top 13%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made