HRTG Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga

$27.12

Kapitalisasi Pasar

$902M

P/E (TTM)

4.6

EPS (TTM)

$6.32

Pendapatan (TTM)

$847M

Imbal Hasil Dividen

—

ROE

44.0%

D/E Utang/Ekuitas

—

Rentang 52M

$17 – $32

HRTG Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih $847M

2016-12-31 → 2025-12-31

EPS $6.32

2016-12-31 → 2025-12-31

Arus Kas Bebas $174M

2016-12-31 → 2025-12-31

Margin 23.1%

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik

Tren 5 Tahun

HRTG

Median Rekan

P/E (TTM)

4.6

13.9

P/S (TTM)

1.1

0.9

P/B

1.8

Price / FCF (Harga / FCF)

5.2

—

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik

Tren 5 Tahun

HRTG

Median Rekan

Operating Margin (Margin Operasi)

31.5%

—

Net Profit Margin (Margin Laba Bersih)

23.1%

9.0%

ROA

8.4%

3.7%

ROE

44.0%

13.3%

ROIC

39.9%

—

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik

Tren 5 Tahun

HRTG

Median Rekan

Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T

Metrik

Tren 5 Tahun

HRTG

Median Rekan

Revenue YoY (Pendapatan YoY)

3.7%

—

Revenue CAGR 3Y (CAGR Pendapatan 3T)

8.6%

—

Revenue CAGR 5Y (CAGR Pendapatan 5T)

7.4%

—

EPS YoY

214.4%

—

Net Income YoY (Laba Bersih YoY)

217.8%

—

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik

Tren 5 Tahun

HRTG

Median Rekan

EPS (Diluted)

$6.32

—

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik

Tren 5 Tahun

HRTG

Median Rekan

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

Imbal Hasil Dividen

—

Rasio Pembayaran Dividen

—

CAGR Dividen 5T

—

Tanggal ex-dividen	Jumlah
13 Juni 2022	$0,0600
16 Maret 2022	$0,0600
14 Des. 2021	$0,0600
14 Sep. 2021	$0,0600
14 Juni 2021	$0,0600
12 Maret 2021	$0,0600
14 Des. 2020	$0,0600
14 Sep. 2020	$0,0600
12 Juni 2020	$0,0600
13 Maret 2020	$0,0600
13 Des. 2019	$0,0600
13 Sep. 2019	$0,0600
13 Juni 2019	$0,0600
14 Maret 2019	$0,0600
13 Des. 2018	$0,0600
13 Sep. 2018	$0,0600
14 Juni 2018	$0,0600
14 Maret 2018	$0,0600
16 Nov. 2017	$0,0600
14 Sep. 2017	$0,0600

HRTG Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

BELI 9 analis

Beli Kuat 2 22,2%
Beli 5 55,6%
Tahan 2 22,2%
Jual 0 0,0%
Jual Kuat 0 0,0%

Target Harga 12 Bulan

2 analis · 2026-07-01

Median $31.50

Sekarang $27.12

Rendah $27.00

Tinggi $36.00

Target median $31.50 +16,2%

Target rata-rata $31.50 +16,2%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata

0.43%

Laporan Berikutnya

Agu 03, 2026

Periode	EPS Aktual	EPS Estimasi	Kejutan
31 Maret 2026	$1.19	$1.56	-0.37%
31 Des. 2025	$2.15	$1.77	0.38%
30 Sep. 2025	$1.63	$0.54	1.1%
30 Juni 2025	$1.55	$1.03	0.52%
31 Maret 2025	$0.99	$0.46	0.53%

Perbandingan Sejawat Metrik utama vs rekan sektor

Ticker	Kapitalisasi Pasar	P/E	Pendapatan YoY	Margin Bersih	ROE	Margin Kotor
HRTG	$902M	4.6	3.7%	23.1%	44.0%	—
TRUP	$1.62B	83.0	11.9%	—	—	—
SAFT	—	11.6	12.8%	7.8%	11.2%	—
BOW	$936M	17.9	29.6%	9.8%	13.1%	—
ROOT	—	30.6	28.9%	2.7%	15.2%	—
EIG	$878M	93.8	-2.5%	1.3%	1.1%	—
HIPO	$773M	13.5	25.9%	12.3%	14.5%	—
DGICA	—	—	-1.2%	8.1%	12.7%	—
TIPT	$691M	24.0	-67.9%	7157.2%	7.2%	—
AMSF	$722M	15.6	2.7%	14.9%	18.2%	—
ACIC	$616M	5.9	13.1%	31.9%	35.0%	—

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

Laporan Laba Rugi 12

Data Laporan Laba Rugi Tahunan untuk HRTG
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$847M	$817M	$735M	$662M	$632M	$593M	$511M	$480M	$407M	$439M	$395M	$234M
SG&A Expense	$93M	$85M	$78M	$70M	$66M	$82M	$81M	$89M	$72M	$59M	$46M	$33M
Operating Income	$267M	$94M	$63M	$-157M	$-68M	$10M	$50M	$70M	$50M	$57M	$150M	$74M
Other Non-op	·	·	·	·	·	·	$-48.0K	$-11M	$-42M	·	·	·
Pretax Income	$259M	$83M	$52M	$-166M	$-76M	$2M	$41M	$39M	$-6M	$56M	$150M	$74M
Income Tax	$64M	$21M	$7M	$-12M	$-1M	$-7M	$12M	$12M	$-5M	$23M	$58M	$27M
Net Income	$196M	$62M	$45M	$-154M	$-75M	$9M	$29M	$27M	$-1M	$34M	$93M	$47M
EPS (Basic)	$6.33	$2.01	$1.73	$-5.86	$-2.69	$0.33	$0.98	$1.05	$-0.04	$1.14	$3.08	$1.92
EPS (Diluted)	$6.32	$2.01	$1.73	$-5.86	$-2.69	$0.33	$0.98	$1.04	$-0.04	$1.14	$3.05	$1.82
Shares (Basic)	30,890,609	30,595,348	26,193,065	26,343,826	27,804,355	27,978,519	29,213,910	25,941,253	26,798,465	29,632,171	30,056,491	24,568,876
Shares (Diluted)	30,949,899	30,654,611	26,252,328	26,343,826	27,804,355	27,988,966	29,232,981	26,095,874	26,798,465	29,634,349	30,326,468	25,816,560
EBITDA	$274M	·	$63M	$-157M	$-68M	$10M	$50M	$70M	$50M	$57M	$1M	$800.0K

Neraca 18

Data Neraca Tahunan untuk HRTG
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Cash & Equivalents	$559M	$453M	$464M	$281M	$359M	$441M	$268M	$250M	$154M	$106M	$236M	$160M
PP&E (Net)	$28M	$38M	$33M	$26M	$17M	$19M	$21M	$18M	$19M	$17M	$17M	$17M
PP&E (Gross)	$48M	$58M	$50M	$40M	$30M	$30M	$31M	$26M	$24M	$21M	$19M	$18M
Accum. Depreciation	$20M	$20M	$17M	$15M	$13M	$11M	$10M	$8M	$5M	$4M	$2M	$927.0K
Goodwill	·	·	·	$0	$92M	$152M	$152M	$152M	$152M	$46M	$8M	$2M
Intangibles	$30M	$36M	$43M	$50M	$56M	$62M	$69M	$77M	$102M	$27M	$2M	·
Total Assets	$2.20B	$2.47B	$2.12B	$2.39B	$1.98B	$2.09B	$1.94B	$1.77B	$1.77B	$1.03B	$837M	$615M
Deferred Tax	·	·	·	$0	$9M	$18M	$13M	·	·	·	·	·
Total Liabilities	$1.69B	$2.18B	$1.90B	$2.26B	$1.64B	$1.65B	$1.49B	$1.34B	$1.39B	$675M	$481M	$360M
Long-term Debt	$78M	$116M	$120M	$129M	$121M	$121M	$129M	$149M	$184M	$73M	·	·
Common Stock	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K
Paid-in Capital	·	·	·	·	·	·	·	·	·	·	·	$188M
Retained Earnings	$283M	$88M	$26M	$-19M	$138M	$220M	$217M	$196M	$175M	$183M	$156M	$65M
Treasury Stock	$133M	$131M	$131M	$131M	$124M	$115M	$105M	$89M	$87M	$26M	·	·
AOCI	$-11M	$-29M	$-35M	$-54M	$-5M	$6M	$7M	$-7M	$-3M	$-5M	$-2M	$2M
Stockholders' Equity	$505M	$291M	$220M	$131M	$343M	$442M	$449M	$425M	$380M	$358M	$357M	$255M
Liabilities + Equity	$2.20B	$2.47B	$2.12B	$2.39B	$1.98B	$2.09B	$1.94B	$1.77B	$1.77B	$1.03B	$837M	$615M
Shares Outstanding	30,833,776	30,607,039	30,218,938	25,539,433	26,753,511	27,748,606	28,650,918	29,477,756	25,885,004	28,840,443	30,441,410	29,794,960

Arus Kas 18

Data Arus Kas Tahunan untuk HRTG
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
D&A	$6M	$3M	$2M	$8M	$8M	$8M	$10M	$27M	$8M	$9M	$1M	$800.0K
Stock-based Comp	$5M	$3M	$1M	$2M	$1M	$5M	$5M	$5M	$5M	$5M	$3M	$3M
Deferred Tax	$2M	$-5M	$40.0K	$-11M	$-6M	$6M	$-898.0K	$-22M	$20M	$3M	$1M	$-4M
Amort. of Intangibles	$6M	$6M	$6M	$6M	$6M	$6M	$8M	$25M	$6M	$7M	$80.0K	·
Other Non-cash	$-28M	·	·	·	·	·	·	·	·	·	$56M	$147M
Operating Cash Flow	$182M	$87M	$70M	$-34M	$60M	$170M	$120M	$96M	$7M	$83M	$147M	$194M
CapEx	$8M	$8M	$10M	$9M	$1M	$755.0K	$5M	$2M	$385.0K	$2M	$1M	$7M
Investing Cash Flow	$-33M	$-92M	$101M	$-38M	$-124M	$22M	$-54M	$23M	$-7M	$-249M	·	·
Debt Issued	·	$0	$0	$35M	$3M	$0	$0	$114M	·	·	·	·
Net Debt Issued	·	·	$0	$35M	$3M	·	·	$35M	·	·	·	·
Stock Issued	$0	$-3.0K	$25M	$0	$0	·	·	·	·	·	·	$88.0K
Stock Repurchased	·	$0	$0	$7M	$8M	$10M	$16M	$2M	$62M	$26M	·	·
Net Stock Activity	$0	·	$25M	$-7M	$-8M	$-10M	$-16M	$-2M	$-62M	$-26M	·	$88.0K
Dividends Paid	·	·	$11.0K	$5M	$7M	$7M	$7M	$6M	$8M	$7M	·	·
Financing Cash Flow	$-41M	$-5M	$15M	$-5M	$-17M	$-29M	$-45M	$-32M	$48M	$44M	$10M	·
Net Change in Cash	$109M	$-10M	$186M	$-77M	$-82M	$163M	$21M	$88M	$48M	$-123M	$76M	$95M
Taxes Paid	$58M	$13M	$8M	$-285.0K	$528.0K	$16M	$14M	$31M	$4M	$32M	$69M	$13M
Free Cash Flow	$174M	·	$61M	$-36M	$59M	$169M	$115M	$93M	$7M	$74M	$153M	$187M

Profitabilitas 7

Data Profitabilitas Tahunan untuk HRTG
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Operating Margin	31.5%	·	8.6%	-23.8%	-10.8%	1.7%	9.7%	14.5%	12.2%	12.9%	·	·
Net Margin	23.1%	·	6.2%	-23.3%	-11.8%	1.6%	5.6%	5.7%	-0.28%	7.7%	23.4%	20.1%
Pretax Margin	30.6%	·	7.1%	-25.1%	-12.0%	0.37%	8.0%	8.1%	-1.5%	12.8%	38.1%	31.8%
EBITDA Margin	32.3%	·	8.6%	-23.8%	-10.8%	1.7%	9.7%	14.5%	12.2%	12.9%	0.33%	0.34%
ROA	8.4%	·	2.0%	-7.1%	-3.7%	0.46%	1.5%	1.5%	-0.08%	3.6%	12.7%	10.5%
ROE	44.0%	·	24.4%	-124.1%	-20.0%	2.1%	6.4%	6.7%	-0.33%	9.2%	26.9%	19.4%
ROIC	39.9%	·	25.0%	-111.5%	-19.5%	9.7%	7.7%	11.4%	2.5%	9.5%	·	·

Efisiensi 1

Data Efisiensi Tahunan untuk HRTG
Metrik	Tren	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.4	·	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.5	0.5	0.5

Per Saham 7

Data Per Saham Tahunan untuk HRTG
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$16.39	·	$7.29	$5.13	$12.82	$15.94	$15.66	$14.43	$14.67	$12.41	$11.71	$8.56
Revenue / Share	$27.38	·	$28.02	$25.15	$22.71	$21.20	$17.49	$18.40	$15.17	$14.81	$13.02	$9.06
Cash Flow / Share	$5.89	·	$2.68	$-1.30	$2.16	$6.08	$4.09	$3.66	$0.28	$2.54	$5.07	$7.52
Cash / Share	$18.14	·	$15.34	$11.00	$13.43	$15.89	$9.37	$8.48	$5.94	$3.67	$7.76	$5.39
Dividend / Share	·	·	·	$0	$0	$0	$0	$0	$0	·	·	·
Dividend Paid / Share	·	·	·	·	·	·	·	$0	$0	$0	$0	·
EPS (TTM)	$6.32	$2.01	$1.73	$-5.86	$-2.69	$0.33	$0.98	$1.04	$-0.04	$1.14	$3.05	$1.82

Tingkat Pertumbuhan 9

Data Tingkat Pertumbuhan Tahunan untuk HRTG
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	3.7%	11.1%	11.0%	4.9%	6.4%	·	·	·	·	·	·	·
Revenue CAGR 3Y	8.6%	9.0%	7.4%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	7.4%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	214.4%	16.2%	·	·	·	·	·	·	·	·	·	·
EPS CAGR 3Y	·	·	73.7%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	80.5%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	217.8%	35.8%	·	·	·	·	·	·	·	·	·	·
Net Income CAGR 3Y	·	·	69.4%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	83.8%	·	·	·	·	·	·	·	·	·	·	·

Valuasi (TTM) 13

Data Valuasi (TTM) Tahunan untuk HRTG
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue TTM	$847M	$817M	$735M	$662M	$632M	$593M	$511M	$480M	$407M	$439M	$395M	$234M
Net Income TTM	$196M	$62M	$45M	$-154M	$-75M	$9M	$29M	$27M	$-1M	$34M	$93M	$47M
Market Cap	$902M	·	$197M	$46M	$157M	$281M	$380M	$434M	$466M	$452M	$664M	$579M
P/E	4.6	6.0	3.8	-0.3	-2.2	30.7	13.5	14.2	-450.5	13.7	7.2	10.7
P/S	1.1	·	0.3	0.1	0.2	0.5	0.7	0.9	1.1	1.0	1.7	2.5
P/B	1.8	·	0.9	0.4	0.5	0.6	0.8	1.0	1.2	1.3	1.9	2.3
P / Tangible Book	1.9	1.5	1.1	0.6	0.8	1.2	·	·	·	·	·	·
P / Cash Flow	5.0	·	2.8	-1.3	2.6	1.7	3.2	4.5	61.7	6.0	4.3	3.0
P / FCF	5.2	·	3.3	-1.3	2.7	1.7	3.3	4.7	65.0	6.1	4.4	3.1
Dividend Yield	·	·	0.01%	10.4%	4.3%	2.4%	1.8%	1.5%	1.8%	1.5%	·	·
Earnings Yield	21.6%	16.6%	26.5%	-325.6%	-45.8%	3.3%	7.4%	7.1%	-0.22%	7.3%	14.0%	9.4%
Payout Ratio	·	·	0.02%	-3.1%	-9.0%	73.5%	24.3%	23.5%	-737.2%	20.1%	·	·
Annual Payout	·	·	$11.0K	$5M	$7M	$7M	$7M	$6M	$8M	$7M	·	·

Laporan Laba Rugi 11

Data Triwulanan Laporan Laba Rugi untuk HRTG
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Revenue	$213M	$215M	$212M	$208M	$212M	$210M	$212M	$204M	$191M	$187M	$186M	$185M	$177M	$175M	$165M	$164M
SG&A Expense	$25M	$22M	$22M	$24M	$24M	$21M	$22M	$23M	$20M	$17M	$22M	$20M	$19M	$15M	$18M	$17M
Operating Income	$51M	$90M	$70M	$65M	$42M	$32M	$12M	$28M	$23M	$36M	$-9M	$16M	$20M	$15M	$-47M	$-86M
Pretax Income	$49M	$88M	$68M	$63M	$40M	$29M	$9M	$25M	$20M	$33M	$-12M	$14M	$17M	$12M	$-49M	$-87M
Income Tax	$13M	$21M	$18M	$15M	$10M	$9M	$842.0K	$6M	$6M	$2M	$-5M	$6M	$3M	$-651.0K	$-1M	$563.0K
Net Income	$36M	$67M	$50M	$48M	$30M	$20M	$8M	$19M	$14M	$31M	$-7M	$8M	$14M	$13M	$-48M	$-88M
EPS (Basic)	$1.19	$2.16	$1.63	$1.55	$0.99	$0.66	$0.27	$0.62	$0.47	$1.16	$-0.28	$0.30	$0.55	$0.44	$-1.83	$-3.32
EPS (Diluted)	$1.19	$2.15	$1.63	$1.55	$0.99	$0.66	$0.27	$0.61	$0.47	$1.16	$-0.28	$0.30	$0.55	$0.44	$-1.83	$-3.32
Shares (Basic)	30,680,933	-61,773,899	30,962,464	31,004,218	30,697,826	-61,115,264	30,684,198	30,649,732	30,376,682	-51,631,203	26,698,806	25,567,157	25,558,305	-53,266,274	26,369,265	26,453,456
Shares (Diluted)	30,740,251	-61,892,451	31,021,780	31,063,481	30,757,089	-61,233,790	30,743,461	30,708,995	30,435,945	-51,690,466	26,698,806	25,626,420	25,617,568	-53,266,274	26,369,265	26,453,456
EBITDA	$52M	·	$72M	$66M	$44M	·	$12M	$28M	$23M	·	·	$16M	$20M	·	$-47M	$-86M

Neraca 17

Data Triwulanan Neraca untuk HRTG
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Cash & Equivalents	$517M	$559M	$560M	$473M	$426M	$453M	$510M	$481M	$386M	·	$229M	$247M	$330M	·	$298M	$291M
PP&E (Net)	$28M	$28M	$28M	$39M	$39M	$38M	$37M	$35M	$33M	·	$32M	$31M	$28M	·	$23M	$20M
PP&E (Gross)	$46M	$48M	$46M	$62M	$61M	$58M	$56M	$53M	$50M	·	$49M	$46M	$43M	·	$37M	$33M
Accum. Depreciation	$18M	$20M	$18M	$23M	$22M	$20M	$19M	$18M	$18M	·	$16M	$16M	$15M	·	$14M	$14M
Goodwill	·	·	·	·	·	·	·	·	·	·	·	·	·	·	$0	$0
Intangibles	$29M	$30M	$32M	$33M	$35M	$36M	$38M	$39M	$41M	·	$44M	$46M	$48M	·	$51M	$53M
Total Assets	$2.02B	$2.20B	$2.37B	$2.54B	$2.21B	$2.47B	$2.37B	$2.60B	$2.13B	·	$2.37B	$2.36B	$2.16B	·	$2.52B	$2.03B
Deferred Tax	·	·	·	·	·	·	·	·	·	·	·	·	·	·	$0	$0
Total Liabilities	$1.50B	$1.69B	$1.93B	$2.15B	$1.88B	$2.18B	$2.10B	$2.34B	$1.90B	·	$2.22B	$2.20B	$2.00B	·	$2.40B	$1.85B
Long-term Debt	$78M	$78M	$79M	$92M	$95M	$116M	$119M	$121M	$123M	·	$122M	$124M	$127M	·	$121M	$123M
Common Stock	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	$3.0K	·	$3.0K	$3.0K	$3.0K	·	$3.0K	$3.0K
Retained Earnings	$320M	$283M	$217M	$166M	$118M	$88M	$67M	$59M	$40M	·	$-5M	$3M	$-5M	·	$-32M	$17M
Treasury Stock	$143M	$133M	$133M	$131M	$131M	$131M	$131M	$131M	$131M	·	$131M	$131M	$131M	·	$130M	$129M
AOCI	$-14M	$-11M	$-13M	$-18M	$-22M	$-29M	$-20M	$-35M	$-35M	·	$-50M	$-47M	$-44M	·	$-55M	$-41M
Stockholders' Equity	$520M	$505M	$437M	$383M	$329M	$291M	$279M	$255M	$235M	$220M	$151M	$161M	$155M	$131M	$118M	$181M
Liabilities + Equity	$2.02B	$2.20B	$2.37B	$2.54B	$2.21B	$2.47B	$2.37B	$2.60B	$2.13B	·	$2.37B	$2.36B	$2.16B	·	$2.52B	$2.03B
Shares Outstanding	30,334,925	30,833,776	30,911,435	31,017,570	30,993,270	30,607,039	30,684,198	30,684,198	30,636,496	·	26,796,586	25,622,495	25,558,751	·	25,898,930	26,544,096

Arus Kas 16

Data Triwulanan Arus Kas untuk HRTG
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
D&A	$2M	$2M	$2M	$1M	$1M	$1M	$696.0K	$718.8K	$680.2K	$2M	$2M	$2M	$2M	$2M	$2M	$2M
Stock-based Comp	$986.0K	$1M	$1M	$2M	$1M	$1M	$820.0K	$833.0K	$595.0K	$-764.0K	$1M	$403.0K	$395.0K	$501.0K	$499.0K	$503.0K
Deferred Tax	$1M	$950.0K	$2M	$9M	$-10M	$-105.0K	$-3M	$3M	$-4M	$479.0K	$-4M	$8M	$-4M	$-2M	$-786.0K	$6M
Amort. of Intangibles	$2M	$2M	$2M	$2M	$2M	$-3M	$5M	$3M	$2M	$2M	$2M	$2M	$2M	$2M	$2M	$2M
Other Non-cash	$-16M	·	·	·	$-22M	·	·	·	·	·	·	·	·	·	·	·
Operating Cash Flow	$25M	$14M	$124M	$43M	$837.0K	$-56M	$-13M	$152M	$4M	$100M	$-53M	$9M	$15M	$-19M	$32M	$-8M
CapEx	$2M	$3M	$2M	$2M	$2M	$3M	$3M	$2M	$229.0K	$1M	$2M	$6M	$2M	$4M	$4M	$1M
Investing Cash Flow	$-44M	$-12M	$-24M	$7M	$-3M	$2M	$45M	$-55M	$-83M	$113M	$38M	$-87M	$37M	$-4M	$-19M	$14M
Debt Issued	·	·	·	·	·	·	·	·	·	·	·	·	·	$35M	·	·
Stock Repurchased	·	·	·	·	·	·	·	·	·	·	$0	$0	$0	$614.0K	$2M	$0
Net Stock Activity	·	·	·	·	·	·	·	·	·	·	·	·	$0	·	·	·
Dividends Paid	·	·	·	·	·	·	·	·	·	·	$0	$0	$11.0K	·	$2M	$2M
Financing Cash Flow	$-20M	$-3M	$-13M	$-2M	$-22M	$-3M	$-2M	$-2M	$3M	$22M	$-2M	$-2M	$-2M	$7M	$-5M	$-3M
Net Change in Cash	$-39M	$-1M	$87M	$48M	$-24M	$-57M	$29M	$94M	$-76M	$235M	$-18M	$-80M	$49M	$-16M	$7M	$3M
Taxes Paid	·	$10M	$3M	$45M	$0	$-106.0K	$515.0K	$12M	$0	$230.0K	$1M	$7M	$-676.0K	$-7M	$337.0K	$6M
Free Cash Flow	$23M	·	·	·	$-1M	·	·	·	$4M	·	·	·	$15M	·	·	·

Profitabilitas 7

Data Triwulanan Profitabilitas untuk HRTG
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Operating Margin	23.9%	·	33.0%	31.2%	20.1%	·	5.5%	13.6%	11.9%	·	·	8.8%	11.4%	·	-28.6%	-52.2%
Net Margin	17.2%	·	23.7%	23.1%	14.4%	·	3.9%	9.3%	7.4%	·	·	4.2%	7.9%	·	-29.1%	-53.6%
Pretax Margin	23.1%	·	32.1%	30.3%	18.9%	·	4.2%	12.2%	10.4%	·	·	7.4%	9.7%	·	-29.8%	-53.3%
EBITDA Margin	24.6%	·	34.0%	31.7%	20.7%	·	5.5%	13.6%	11.9%	·	·	8.8%	11.4%	·	-28.6%	-52.2%
ROA	1.7%	·	2.1%	1.9%	1.4%	·	0.34%	0.76%	0.66%	·	·	0.35%	0.70%	·	-2.0%	-4.0%
ROE	8.6%	·	14.1%	15.0%	10.8%	·	3.8%	9.1%	7.3%	·	·	4.6%	6.4%	·	-18.5%	-29.0%
ROIC	7.3%	·	11.8%	12.9%	9.8%	·	3.8%	8.2%	6.9%	·	·	5.8%	10.6%	·	-39.3%	-47.7%

Efisiensi 1

Data Triwulanan Efisiensi untuk HRTG
Metrik	Tren	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Asset Turnover		0.1	·	0.1	0.1	0.1	·	0.1	0.1	0.1	·	·	0.1	0.1	·	0.1	0.1

Per Saham 6

Data Triwulanan Per Saham untuk HRTG
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Book Value / Share	$17.15	·	$14.15	$12.36	$10.62	·	$9.10	$8.32	$7.67	·	·	$6.27	$6.05	·	$4.54	$6.80
Revenue / Share	$6.92	·	$6.85	$6.70	$6.88	·	$6.89	$6.63	$6.29	·	·	$7.23	$6.91	·	$6.28	$6.19
Cash Flow / Share	$0.81	·	·	·	$0.03	·	·	·	$0.14	·	·	·	$0.58	·	·	·
Cash / Share	$17.05	·	$18.13	$15.26	$13.74	·	$16.62	$15.67	$12.60	·	·	$9.64	$12.91	·	$11.49	$10.96
Dividend / Share	·	·	·	·	·	·	·	·	·	·	·	·	·	$0	$0	$0
EPS (TTM)	$6.52	·	$4.83	$3.47	$2.53	·	$2.50	$1.95	$1.64	·	$1.05	$-0.50	$-4.12	·	$-8.09	$-6.85

Valuasi (TTM) 11

Data Triwulanan Valuasi (TTM) untuk HRTG
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Revenue TTM	$848M	·	$842M	$842M	$837M	·	$794M	$768M	$750M	·	$723M	$702M	$681M	·	$655M	$656M
Net Income TTM	$202M	·	$149M	$107M	$78M	·	$72M	$57M	$46M	·	$27M	$-14M	$-110M	·	$-216M	$-184M
Market Cap	$796M	·	$778M	$774M	$447M	·	$376M	$217M	$326M	·	·	$99M	$79M	·	$59M	$70M
P/E	4.0	·	5.2	7.2	5.7	·	4.9	3.6	6.5	·	6.2	-7.7	-0.7	·	-0.3	-0.4
P/S	0.9	·	0.9	0.9	0.5	·	0.5	0.3	0.4	·	·	0.1	0.1	·	0.1	0.1
P/B	1.5	·	1.8	2.0	1.4	·	1.3	0.9	1.4	·	·	0.6	0.5	·	0.5	0.4
P / Tangible Book	1.6	·	1.9	2.2	1.5	·	1.6	1.0	1.7	·	1.6	0.9	0.7	·	0.9	0.5
P / Cash Flow	32.0	·	·	·	534.0	·	·	·	75.7	·	·	·	5.3	·	·	·
P / FCF	34.5	·	·	·	-355.0	·	·	·	80.0	·	·	·	5.3	·	·	·
Earnings Yield	24.8%	·	19.2%	13.9%	17.5%	·	20.4%	27.5%	15.4%	·	16.2%	-13.0%	-133.8%	·	-358.0%	-259.5%
Payout Ratio	·	·	·	·	·	·	·	·	·	·	·	·	0.08%	·	·	·

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Pendapatan	$847M	$817M	$735M	$662M	$632M
Margin Operasi %	31.5%	—	8.6%	-23.8%	-10.8%
Laba Bersih	$196M	$62M	$45M	$-154M	$-75M
EPS Dilusian	$6.32	$2.01	$1.73	$-5.86	$-2.69

Arus Kas

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Arus Kas Bebas	$174M	—	$61M	$-36M	$59M

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