Heritage Insurance Holdings, Inc. (HRTG) SEC Filings & Earnings Calls
EquiReason read 12 Heritage Insurance Holdings, Inc. SEC filings in the last 12 months. Latest: 10-Q on 2026-08-07 — Heritage Insurance reported strong Q2 2026 results with net income up 28.5% YoY, driven by lower loss costs and improved operating leverage..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 1.1B
- P/E TTM
- 5.2
- Dividend yield
- —
- 52-week
- —
- Next earnings
- 28 Oct, in 4 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
7 Aug 202610-QHeritage Insurance reported strong Q2 2026 results with net income up 28.5% YoY, driven by lower loss costs and improved operating leverage.earningsopen
Figures in the filing · each found in the filing text
| Gross premiums written · Q2-2026 | $388M | -6% y/y |
| Net premiums earned · Q2-2026 | $201M | +2% y/y |
| Net income · Q2-2026 | $62M | +29% y/y |
| Diluted earnings per share · Q2-2026 | $2.05 | +32% y/y |
| Loss and loss adjustment expenses · Q2-2026 | $61M | -19% y/y |
| Operating income · Q2-2026 | $84M | +29% y/y |
| Total stockholders' equity · Q2-2026 | $568M | |
| Operating cash flow · H1-2026 | $167M | +278% y/y |
Risks flagged
Catastrophe exposure
“The company's business is concentrated in coastal states, which could be impacted by hurricane losses or other significant weather-related events.”
Reinsurance cost and availability
“Increased costs of reinsurance, non-availability of reinsurance, non-collectability of reinsurance and our ability to obtain reinsurance on terms and at a cost acceptable to us.” · word for word
5 Aug 20268-K · 2.02Record Q2 net income $61.7M (+28.5% YoY); EPS $2.05 (+32.3%); net combined ratio 64.9% (improved 8.0 pts); book value per share $19.09 (+54.5% YoY); operating cash flow $166.5M (+277%); $24.6M share repurchases in 2026.earningsopen
Figures in the filing · each found in the filing text
| Total revenues · Q2-2026 | $214M | +3% y/y |
| Net income · Q2-2026 | $62M | +29% y/y |
| Earnings per share diluted · Q2-2026 | $2.05 | +32% y/y |
| Book value per share · Q2-2026 | $19.09 | +55% y/y |
| Net combined ratio · Q2-2026 | 64.9% | |
| Net loss ratio · Q2-2026 | 30.4% | |
| Net expense ratio · Q2-2026 | 34.5% | |
| Annualized return on average equity · Q2-2026 | 45.4% | |
| Gross premiums written · Q2-2026 | $388M | -5% y/y |
| Net premiums earned · Q2-2026 | $201M | +2% y/y |
Risks flagged
Dividend suspension continues as capital prioritized for growth
“Board has continued the suspension of the Company's quarterly dividend as it prioritizes strategic growth opportunities”
Gross premiums written declined 5.5% YoY, indicating potential market share loss or deliberate underwriting discipline
“Gross premiums written $388,441 vs $410,968 prior year (-5.5%)”
29 May 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportopen
Risks flagged
Reinsurance program mitigates catastrophe loss risk.
“catastrophe excess-of-loss reinsurance program”
8 May 202610-QGross premiums written $347M (-3% y/y); Net premiums earned $200M (-0% y/y); Net income $36M (+20% y/y)open
Figures in the filing · each found in the filing text
| Gross premiums written · Q1-2026 | $347M | -3% y/y |
| Net premiums earned · Q1-2026 | $200M | -0% y/y |
| Net income · Q1-2026 | $36M | +20% y/y |
| Loss and loss adjustment expenses · Q1-2026 | $92M | -8% y/y |
| Operating income · Q1-2026 | $51M | +20% y/y |
| Earnings per share (diluted) · Q1-2026 | $1.19 | +20% y/y |
| Cash and cash equivalents · 2026-03-31 | $517M | |
| Total stockholders' equity · 2026-03-31 | $520M |
Risks flagged
Catastrophe exposure
“Our exposure to catastrophic weather-related events, including hurricanes and wildfires.” · word for word
Reinsurance cost and availability
“Increased costs of reinsurance, non-availability of reinsurance, non-collectability of reinsurance and our ability to obtain reinsurance on terms and at a cost acceptable to us.” · word for word
7 May 20268-K · 2.02Net income $36M (+20% y/y); Earnings per share (diluted) $1.19 (+20% y/y); Total revenues $213M (+0% y/y); Guidance: New business written +62.7% YoY; six additional products in H2 2026; entering Texasearningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $36M | +20% y/y |
| Earnings per share (diluted) · Q1-2026 | $1.19 | +20% y/y |
| Total revenues · Q1-2026 | $213M | +1% y/y |
| Net premiums earned · Q1-2026 | $200M | -0% y/y |
| Net loss ratio · Q1-2026 | 45.9% | |
| Net combined ratio · Q1-2026 | 81.0% | |
| Return on average equity · Q1-2026 | 28.5% | |
| Book value per share · Q1-2026 | $17.15 | +62% y/y |
| Cash flow from operations · Q1-2026 | $25M | |
| Gross premiums written · Q1-2026 | $347M | -3% y/y |
Guidance
New business written +62.7% YoY; six additional products in H2 2026; entering Texas
Strong Q1 beat with record net income, margin expansion, and positive outlook; management confident in growth trajectory with geographic and product expansion.
Risks flagged
Weather-related losses remain a factor; $37M in Q1 2026 but managed within improved loss ratio.
“$37 million of weather related losses in the quarter” · word for word
Dividend suspension continues to prioritize growth; may signal limited near-term cash return to shareholders.
“Board of Directors has decided to continue its suspension of the quarterly shareholder dividend to prioritize strategic growth.” · word for word
30 Apr 2026DEF 14AProxy statement for annual meeting; no material event beyond routine governance and compensation disclosure.open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $196M | +218% y/y |
| Gross premiums written · FY2025 | $1.44B | +0% y/y |
| Net premiums earned · FY2025 | $794M | +3% y/y |
| Net loss ratio · FY2025 | 39.4% | |
| Net combined ratio · FY2025 | 73.1% | |
| EPS diluted · FY2025 | $6.32 | +214% y/y |
Risks flagged
Catastrophe loss volatility
“we experienced unexpectedly low net weather and catastrophe losses totaling $77.5 million for the 2025 fiscal year, a decrease of $69.2 million from 2024” · word for word
Competitive pressure in commercial residential
“A reduction of written premium for commercial residential business, driven by competitive market conditions, mostly offset the growth in the personal lines gross written premium.” · word for word
9 Mar 20268-K · 2.02Net income $67M (+228% y/y); Earnings Per Diluted Share $2.15 (+226% y/y); Gross premiums earned $362M (+0% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · Q4-2025 | $67M | +229% y/y |
| Earnings Per Diluted Share · Q4-2025 | $2.15 | +226% y/y |
| Gross premiums earned · Q4-2025 | $362M | +0% y/y |
| Net premiums earned · Q4-2025 | $203M | +2% y/y |
| Net loss ratio · Q4-2025 | 31.3% | |
| Net expense ratio · Q4-2025 | 30.7% | |
| Net combined ratio · Q4-2025 | 62.0% | |
| Return on average equity · Q4-2025 | 56.6% | |
| Total revenue · Q4-2025 | $215M | +2% y/y |
| Full year net income · FY2025 | $196M | +218% y/y |
Risks flagged
Dividend suspension continues to prioritize strategic growth; no near-term dividend expected.
“Heritage's Board of Directors has decided to continue its suspension of the quarterly shareholder dividend to prioritize strategic growth.” · word for word
Favorable weather contributed to results; adverse weather could reverse loss ratio improvement.
“coupled with favorable weather, resulted in record earnings this quarter and for the full year.” · word for word
23 Feb 20268-K · 2.02, 7.01After-tax net income $60M; Earnings per share $2.00; Return on equity 45earningsopen
Figures in the filing · each found in the filing text
| After-tax net income · Q4-2025 | $60M | |
| Earnings per share · Q4-2025 | $2.00 | |
| Return on equity · FY2025 | 45.0% |
Risks flagged
Preliminary results subject to change; catastrophe exposure remains a risk.
“preliminary, unaudited financial estimates... subject to change... catastrophe focused property insurer”
7 Nov 202510-QHeritage Insurance reported strong Q3 2025 results with net income surging to $50.4M from $8.2M a year ago, driven by lower loss expenses and higher premiums.earningsopen
Figures in the filing · each found in the filing text
| Gross premiums written · Q3-2025 | $333M | +6% y/y |
| Net premiums earned · Q3-2025 | $195M | -2% y/y |
| Net income · Q3-2025 | $50M | +519% y/y |
| Loss and loss adjustment expenses · Q3-2025 | $75M | -43% y/y |
| Cash and cash equivalents · 2025-09-30 | $560M | |
| Diluted EPS · Q3-2025 | $1.63 | +504% y/y |
Risks flagged
Catastrophe loss exposure
“Our exposure to catastrophic weather-related events, including hurricanes and wildfires.” · word for word
Reinsurance cost and availability
“Increased costs of reinsurance, non-availability of reinsurance, non-collectability of reinsurance and our ability to obtain reinsurance on terms and at a cost acceptable to us.” · word for word
5 Nov 20258-K · 2.02Total revenues $212M (+0% y/y); Net income $50M (+519% y/y); Earnings per share $1.63 (+504% y/y); Guidance: Expect policy count growth in next six months; full year policy growth in 2026earningsopen
Figures in the filing · each found in the filing text
| Total revenues · Q3-2025 | $212M | +0% y/y |
| Net income · Q3-2025 | $50M | +519% y/y |
| Earnings per share · Q3-2025 | $1.63 | +504% y/y |
| Gross premiums earned · Q3-2025 | $362M | +2% y/y |
| Net premiums earned · Q3-2025 | $195M | -2% y/y |
| Net loss ratio · Q3-2025 | 38.3% | |
| Net combined ratio · Q3-2025 | 72.9% | |
| Book value per share · Q3-2025 | $14.15 | +56% y/y |
Guidance
Expect policy count growth in next six months; full year policy growth in 2026
Strong underwriting results and reopening of capacity driving growth; management confident in return to policy growth.
Risks flagged
Dividend suspension continues to prioritize growth; shareholder return limited near-term.
“Heritage’s Board of Directors has decided to continue its suspension of the quarterly shareholder dividend to prioritize strategic growth” · word for word
Ceded premium ratio increased to 46.1% from 43.9%, indicating higher reinsurance costs.
“Ceded premium ratio 46.1% 43.9% 2.2 pts”
Heritage Insurance Holdings, Inc. — questions
- What did Heritage Insurance Holdings, Inc. file recently?
- 12 SEC filings in the last 12 months. Latest: 10-Q on 2026-08-07 — Heritage Insurance reported strong Q2 2026 results with net income up 28.5% YoY, driven by lower loss costs and improved operating leverage.
Every figure on this page comes from Heritage Insurance Holdings, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.