Symbols

HRTG

Heritage Insurance·NYSE

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HRTG fundamentals

HRTG Q4 2025 Earnings

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 Financial Performance: 2025 net income surged to $195.6M, up 218% YoY, with ROE of 49% and 72.5% growth in tangible book value.
Strategic Expansion: Entered Texas in 2026, targeting 60%+ new business premium growth, while maintaining 90%+ rate adequacy across geographies.
Profitability Improvements: Q4 2025 net loss ratio dropped to 31.3%, combined ratio improved to 62%, driven by lower weather losses and cost control.
Share Repurchase Activity: $25M repurchase plan authorized, with $3M executed in Q1 2026, reflecting management confidence in undervalued shares.
Reinsurance Optimization: Anticipate reinsurance cost reductions in 2026, benefiting from tort reform and reduced litigation in Florida.

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Revenue & Expenses

Key Indicators

Heritage Insurance (HRTG) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Heritage Insurance (HRTG)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Heritage Insurance (HRTG)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

Heritage Insurance (HRTG)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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