HRTG
Heritage Insurance·NYSE
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HRTG fundamentals
Heritage Insurance (HRTG) released its earnings on Mar 9, 2026: revenue was 215.32M (YoY +2.40%), beat estimates; EPS was 2.15 (YoY +225.76%), beat estimates.
Revenue / YoY
215.32M
+2.40%
EPS / YoY
2.15
+225.76%
Report date
Mar 9, 2026
HRTG Earnings Call Summary for Q4,2025
- Record Profit Growth: 2025 net income surged 218% to $195.6M, fueled by disciplined underwriting and rate adequacy in 90%+ of geographies.
- Strategic Expansion: Entered Texas E&S market with 60% Q4 new business premium growth, positioning for long-term profitable growth.
- Financial Resilience: 62% combined ratio (vs. 89.7% prior year), 72.5% book value growth, and $392.6M statutory surplus supporting capacity.
- AI & Reinsurance Advantage: Leveraging AI for risk selection while benefiting from declining reinsurance rates and tort reform-driven litigation reduction.
EPS
Actual | 0.27 | 0.15 | -0.75 | 0.0273 | -0.19 | -0.14 | -0.59 | 0.41 | -1.15 | 0.11 | -1.83 | 0.48 | 0.55 | 0.32 | -0.28 | 1.15 | 0.47 | 0.61 | 0.27 | 0.66 | 0.99 | 1.55 | 1.56 | 2.15 | |||||||||||
Forecast | 0.2331 | 0.1 | -0.6044 | -0.3892 | -0.1247 | -0.1889 | -0.4737 | 0.1377 | -0.4283 | -0.0352 | -0.9425 | -0.16 | 0.1067 | 0.0833 | -0.2133 | 0.4567 | 0.59 | 0.37 | 0.06 | 0.56 | 0.4467 | 1.01 | 0.8067 | 1.7367 | |||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +15.83% | +50.00% | -24.09% | +107.01% | -52.37% | +25.89% | -24.55% | +197.75% | -168.50% | +412.50% | -94.16% | +400.00% | +415.46% | +284.15% | -31.27% | +151.81% | -20.34% | +64.86% | +350.00% | +17.86% | +121.63% | +53.47% | +93.38% | +23.80% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 132.71M | 136.01M | 165.12M | 159.55M | 147.24M | 150.20M | 167.41M | 166.71M | 158.61M | 163.77M | 165.49M | 174.59M | 176.92M | 185.31M | 186.30M | 186.97M | 191.30M | 203.57M | 211.85M | 210.26M | 211.52M | 208.03M | 212.46M | 215.32M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 127.39M | 131.42M | 138.10M | 146.56M | 142.82M | 139.99M | 153.57M | 165.32M | 153.80M | 158.99M | 162.61M | 168.32M | 165.81M | 168.53M | 176.11M | 185.11M | 189.05M | 196.81M | 209.91M | 199.87M | 213.68M | 212.12M | 210.12M | 212.60M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +4.17% | +3.49% | +19.56% | +8.86% | +3.10% | +7.29% | +9.01% | +0.84% | +3.12% | +3.01% | +1.77% | +3.73% | +6.70% | +9.96% | +5.79% | +1.01% | +1.19% | +3.44% | +0.92% | +5.20% | -1.01% | -1.93% | +1.11% | +1.28% |
Earnings Call
You can ask Aime
What is Heritage Insurance's gross profit margin?What were the key takeaways from Heritage Insurance’s earnings call?What is the market's earnings forecast for Heritage Insurance next quarter?What guidance did Heritage Insurance's management provide for the next earnings period?What is the revenue and EPS growth rate for Heritage Insurance year over year?What factors drove the changes in Heritage Insurance's revenue and profit?What is Heritage Insurance's latest dividend and current dividend yield?What does Heritage Insurance do and what are its main business segments?
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