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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Heritage Insurance Holdings's Total Liabilities for the quarter that ended in Jun. 2026 was $1,884.7 Mil. Heritage Insurance Holdings's Total Assets for the quarter that ended in Jun. 2026 was $2,452.4 Mil.
Therefore, Heritage Insurance Holdings's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.77.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Heritage Insurance Holdings Liabilities-to-Assets Related Terms
Heritage Insurance Holdings Liabilities-to-Assets Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HRTG vs ROOT, HIPO, DGICA: Liabilities-to-Assets Comparison
For the Insurance - Property & Casualty subindustry, Heritage Insurance Holdings's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Heritage Insurance Holdings Liabilities-to-Assets vs Insurance Industry
For the Insurance industry and Financial Services sector, Heritage Insurance Holdings's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Heritage Insurance Holdings's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Heritage Insurance Holdings's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Heritage Insurance Holdings (HRTG) has a Liabilities-to-Assets of 0.77 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Heritage Insurance Holdings and its competitors.
Is Heritage Insurance Holdings' Liabilities-to-Assets too high?
Heritage Insurance Holdings' current Liabilities-to-Assets is 0.77. Overall, Heritage Insurance Holdings has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Heritage Insurance Holdings' Liabilities-to-Assets compare to ROOT and HIPO?
Heritage Insurance Holdings' Liabilities-to-Assets of 0.77 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for an Insurance company?
A good Liabilities-to-Assets depends on the Insurance industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Heritage Insurance Holdings and its competitors. Heritage Insurance Holdings's current Liabilities-to-Assets is 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Heritage Insurance Holdings stock overvalued right now?
Based on GuruFocus' analysis, Heritage Insurance Holdings (HRTG) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.87, compared to a current price of $33.33 — trading 24% above its estimated fair value. The current Liabilities-to-Assets is 0.77. Heritage Insurance Holdings' overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Heritage Insurance Holdings (HRTG), the current Liabilities-to-Assets is 0.77 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Heritage Insurance Holdings (HRTG) Overvalued in 2026?
Based on GuruFocus' analysis, Heritage Insurance Holdings stock appears to be overvalued.
The current stock price of $33.33 is trading 24% above its estimated GF Value™ of $26.87.
GuruFocus considers Heritage Insurance Holdings to be Modestly Overvalued.
Key valuation signals for HRTG:
Liabilities-to-Assets: 0.77
GF Value™: $26.87 vs. price of $33.33 (24% above fair value)
No single metric tells the full story. See the HRTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Heritage Insurance Holdings Inc is a regional property and casualty insurance company that offers a variety of personal and commercial insurance products. Through its subsidiaries, Heritage Property & Casualty Insurance, Narragansett Bay Insurance, and Zephyr Insurance, the company issues personal residential property insurance across various states in the U.S. It also offers commercial residential insurance predominantly for its Florida properties. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claims processing internally. The company operates in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, and South Carolina.
63GF Score
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