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 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.
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 the revenue and EPS growth rate for Heritage Insurance year over year?What is Heritage Insurance's latest dividend and current dividend yield?What guidance did Heritage Insurance's management provide for the next earnings period?What were the key takeaways from Heritage Insurance's earnings call?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?What is Heritage Insurance's gross profit margin?
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