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Heritage Insurance Holdings (DE:11H)
FRANKFURT:11H
Germany Market
11H
Heritage Insurance Holdings
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Heritage Insurance Holdings (11H) Ratios

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Heritage Insurance Holdings Ratios

DE:11H's free cash flow for Q2 2026 was $0.71. For the 2026 fiscal year, DE:11H's free cash flow was decreased by $ and operating cash flow was $0.39. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 255.74 0.86 0.00 0.00 0.00
Quick Ratio
 255.74 0.86 0.00 0.00 0.00
Cash Ratio
 103.82 0.34 0.00 0.00 0.00
Solvency Ratio
 0.12 0.12 0.03 0.03 -0.06
Operating Cash Flow Ratio
 53.83 0.11 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 74.56 2.46 1.09 0.79 -0.35
Net Current Asset Value
$ -428.29M$ -260.21M$ -2.18B$ -1.90B$ -2.26B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.05 0.06 0.07 0.07
Debt-to-Equity Ratio
 0.16 0.20 0.49 0.67 1.22
Debt-to-Capital Ratio
 0.14 0.16 0.33 0.40 0.55
Long-Term Debt-to-Capital Ratio
 0.11 <0.01 0.11 0.12 0.19
Financial Leverage Ratio
 4.31 4.35 8.49 9.62 18.26
Debt Service Coverage Ratio
 21.13 2.64 0.90 0.65 -1.27
Interest Coverage Ratio
 40.78 32.87 7.56 4.64 -18.86
Debt to Market Cap
 0.07 0.09 0.31 0.70 2.72
Interest Debt Per Share
 3.29 3.49 4.98 6.09 6.42
Net Debt to EBITDA
 -1.61 -1.64 -3.02 -4.39 0.81
Profitability Margins
Gross Profit Margin
58.93%63.03%21.88%19.27%0.75%
EBIT Margin
37.67%31.53%11.46%8.59%-23.75%
EBITDA Margin
39.32%33.03%12.63%9.78%-22.49%
Operating Profit Margin
36.77%30.60%10.12%7.07%-25.08%
Pretax Profit Margin
36.77%30.60%10.12%7.07%-25.08%
Net Profit Margin
27.54%23.08%7.53%6.16%-23.30%
Continuous Operations Profit Margin
27.54%23.08%7.53%6.16%-23.30%
Net Income Per EBT
74.89%75.44%74.43%87.12%92.89%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
8.80%8.91%2.49%2.14%-6.45%
Return on Equity (ROE)
42.41%38.71%21.16%20.57%-117.80%
Return on Capital Employed (ROCE)
11.78%48.82%3.35%2.45%-6.95%
Return on Invested Capital (ROIC)
9.12%32.32%76.80%50.55%-155.73%
Return on Tangible Assets
8.90%9.31%2.53%2.18%-6.59%
Earnings Yield
21.64%21.64%16.62%26.53%-325.53%
Efficiency Ratios
Receivables Turnover
 8.31 1.96 0.97 1.25 0.73
Payables Turnover
 0.62 1.24 2.57 3.37 3.02
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 17.30 18.53 13.84 12.76 12.45
Asset Turnover
 0.32 0.39 0.33 0.35 0.28
Working Capital Turnover Ratio
 1.34 -2.68 0.00 0.00 0.00
Cash Conversion Cycle
 -543.83 -106.87 235.51 183.00 380.62
Days of Sales Outstanding
 43.91 186.35 377.46 291.20 501.35
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 587.74 293.22 141.95 108.20 120.73
Operating Cycle
 43.91 186.35 377.46 291.20 501.35
Cash Flow Ratios
Operating Cash Flow Per Share
 10.15 5.90 2.85 2.69 -1.30
Free Cash Flow Per Share
 10.08 5.64 2.58 2.31 -1.77
CapEx Per Share
 0.07 0.26 0.27 0.38 0.47
Free Cash Flow to Operating Cash Flow
 0.99 0.96 0.91 0.86 1.36
Dividend Paid and CapEx Coverage Ratio
 145.35 22.57 10.51 7.11 -2.00
Capital Expenditure Coverage Ratio
 145.35 22.57 10.58 7.12 -2.77
Operating Cash Flow Coverage Ratio
 3.32 1.83 0.62 0.48 -0.21
Operating Cash Flow to Sales Ratio
 0.39 0.22 0.11 0.10 -0.05
Free Cash Flow Yield
30.15%19.27%21.30%35.44%-98.36%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 4.71 4.62 6.02 3.77 -0.31
Price-to-Sales (P/S) Ratio
 1.28 1.07 0.45 0.23 0.07
Price-to-Book (P/B) Ratio
 1.75 1.79 1.27 0.78 0.36
Price-to-Free Cash Flow (P/FCF) Ratio
 3.32 5.19 4.69 2.82 -1.02
Price-to-Operating Cash Flow Ratio
 3.27 4.96 4.25 2.43 -1.38
Price-to-Earnings Growth (PEG) Ratio
 0.05 0.02 0.37 -0.03 >-0.01
Price-to-Fair Value
 1.75 1.79 1.27 0.78 0.36
Enterprise Value Multiple
 1.65 1.59 0.57 -2.01 0.49
Enterprise Value
 507.80M 444.40M 58.87M -144.67M -73.27M
EV to EBITDA
 1.65 1.59 0.57 -2.01 0.49
EV to Sales
 0.65 0.52 0.07 -0.20 -0.11
EV to Free Cash Flow
 1.68 2.55 0.75 -2.39 1.57
EV to Operating Cash Flow
 1.67 2.44 0.68 -2.05 2.14
Tangible Book Value Per Share
 18.09 13.29 8.32 6.79 3.09
Shareholders’ Equity Per Share
 18.91 16.36 9.50 8.41 4.97
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.26 0.13 0.07
Revenue Per Share
 26.04 27.43 26.70 28.08 25.15
Net Income Per Share
 7.17 6.33 2.01 1.73 -5.86
Tax Burden
 0.75 0.75 0.74 0.87 0.93
Interest Burden
 0.98 0.97 0.88 0.82 1.06
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.12 0.11 0.10 0.11 0.11
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.42 0.93 1.42 1.55 0.22
Currency in USD