Heritage Insurance Hldgs Inc - Asset Resilience Ratio

Latest as of September 2025: 4.48%

Heritage Insurance Hldgs Inc (HRTG) has an Asset Resilience Ratio of 4.48% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read Heritage Insurance Hldgs Inc balance sheet liabilities for a breakdown of total debt and financial obligations.

Liquid Assets

$105.94 Million

Cash + Short-term Investments

Total Assets

$2.37 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2012–2024)

This chart shows how Heritage Insurance Hldgs Inc's Asset Resilience Ratio has changed over time. See HRTG total equity for net asset value and shareholders' equity analysis.

Liquid Assets Composition Over Time

This chart breaks down Heritage Insurance Hldgs Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Heritage Insurance Hldgs Inc (HRTG) market capitalisation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$105.94 Million	4.48%
Total Liquid Assets	$105.94 Million	4.48%

Asset Resilience Insights

Limited Liquidity: Heritage Insurance Hldgs Inc maintains only 4.48% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

Heritage Insurance Hldgs Inc Industry Peers by Asset Resilience Ratio

Compare Heritage Insurance Hldgs Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
The Travelers Companies Inc NYSE:TRV	Insurance - Property & Casualty	3.98%
QBE Insurance Group Ltd AU:QBE	Insurance - Property & Casualty	3.80%
Suncorp Group Ltd AU:SUNPH	Insurance - Property & Casualty	69.36%
Suncorp Group Ltd AU:SUN	Insurance - Property & Casualty	3.36%
Insurance Australia Group Ltd AU:IAG	Insurance - Property & Casualty	2.07%
Intact Financial Corporation TO:IFC	Insurance - Property & Casualty	29.18%
Fairfax Financial Holdings Ltd TO:FFH	Insurance - Property & Casualty	0.02%
Definity Financial Corp TO:DFY	Insurance - Property & Casualty	2.29%

Annual Asset Resilience Ratio for Heritage Insurance Hldgs Inc (2012–2024)

The table below shows the annual Asset Resilience Ratio data for Heritage Insurance Hldgs Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-12-31	3.70%	$91.33 Million	$2.47 Billion	-0.52pp
2023-12-31	4.22%	$89.53 Million	$2.12 Billion	-0.53pp
2022-12-31	4.75%	$113.68 Million	$2.39 Billion	-29.04pp
2021-12-31	33.79%	$669.35 Million	$1.98 Billion	+6.94pp
2020-12-31	26.85%	$561.01 Million	$2.09 Billion	-3.43pp
2019-12-31	30.28%	$587.26 Million	$1.94 Billion	+0.53pp
2018-12-31	29.75%	$526.11 Million	$1.77 Billion	-2.27pp
2017-12-31	32.01%	$567.01 Million	$1.77 Billion	-26.35pp
2016-12-31	58.36%	$602.98 Million	$1.03 Billion	+10.58pp
2015-12-31	47.78%	$400.10 Million	$837.40 Million	-4.87pp
2014-12-31	52.65%	$324.31 Million	$616.00 Million	+6.50pp
2013-12-31	46.14%	$130.11 Million	$281.98 Million	+30.18pp
2012-12-31	15.96%	$13.07 Million	$81.86 Million	--

pp = percentage points

About Heritage Insurance Hldgs Inc

NYSE:HRTG USA Insurance - Property & Casualty

Market Cap

$887.78 Million

Market Cap Rank

#10066 Global

#2553 in USA

Share Price

$28.72

Change (1 day)

-1.03%

52-Week Range

$19.02 - $31.14

All Time High

$31.14