HRTG
Heritage Insurance·NYSE
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HRTG fundamentals
Heritage Insurance (HRTG) released its earnings on Nov 5, 2025: revenue was 195.10M (YoY -1.88%), missed estimates; EPS was 1.63 (YoY +503.70%), beat estimates.
Revenue / YoY
195.10M
-1.88%
EPS / YoY
1.63
+503.70%
Report date
Nov 5, 2025
HRTG Earnings Call Summary for Q3,2025
- Record Q3 Earnings: Net income surges to $50.4 million, up 515% YoY, driven by 27.1pt improvement in net loss ratio to 38.3%.
- New Business Explosion: Q3 new business premium $36 million (+166% YoY), with 70% of geographies reopened to new business.
- Policy Growth Path: 2026 policy count growth expected, with Virginia, Hawaii, and New York leading expansion.
- Share Buyback Restart: $2.3 million in Q3, with $25 million authorization for further repurchases.
- Capital Strength: Book value per share $14.15 (49% YoY), statutory surplus $352 million (+34% YoY).
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Key Indicators
Heritage Insurance (HRTG) key financial stats and ratios, covering profitability, financial health, and leverage.
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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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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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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Where does Heritage Insurance (HRTG) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Heritage Insurance (HRTG) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What factors drove the changes in Heritage Insurance's revenue and profit?What is Heritage Insurance's gross profit margin?What is Heritage Insurance's latest dividend and current dividend yield?What were the key takeaways from Heritage Insurance’s earnings call?What guidance did Heritage Insurance's management provide for the next earnings period?Did Heritage Insurance beat or miss consensus estimates last quarter?What does Heritage Insurance do and what are its main business segments?What is the market's earnings forecast for Heritage Insurance next quarter?
