Scientific and technological advances in transparent conductive electrodes improve the heating performance of flexible transparent film heaters (TFHs), which can be utilized for various applications as defrosters and heaters. To achieve high performance as well as practical TFHs, several conditions, such as high optical transmittance, low electrical resistance, heating uniformity, and operational stability in various environmental conditions should be satisfied. However, due to the trade-offs between optical transmittance and electrical resistance, it is not easy to fulfill all the requirements concurrently. Here we report flexible TFHs using a ternary composite of silver nanowire (AgNW), conducting polymer (i.e., poly[3,4-ethylenedioxythiophene]:polystyrene sulfonate [PEDOT:PSS]), and a thin conductive oxide (i.e., indium tin oxide [ITO]) layer, exhibiting higher performance in terms of the maximum heating temperature (>110 °C), operational stability, mechanical flexibility, and optical transmittance (95% at 550 nm), compared to pristine AgNW-based TFHs. We also demonstrated the stable operation of the AgNW–PEDOT:PSS/ITO TFHs soaked in water, showing excellent environmental stability. To analyse the fundamental mechanisms for the improved performance of the AgNW–PEDOT:PSS/ITO TFHs, we investigated the progress of joule heating using a device simulator, and found that the improvement originated not only from reduced electrical resistance but also from enhanced heat dissipation with PEDOT:PSS and ITO. We anticipate that our analysis and results will be helpful for further development of practical flexible TFHs.