Heritage Provides Update on Fourth Quarter 2025 Financial Results and Announces Earnings Release Date

Heritage (NYSE: HRTG) provided preliminary fourth quarter 2025 results and set its earnings release date for before market open on March 9, 2026, with a 9:00 am ET conference call.

Rhea-AI Summary

Heritage (NYSE: HRTG) provided preliminary fourth quarter 2025 results and set its earnings release date for before market open on March 9, 2026, with a 9:00 am ET conference call.

The company expects after-tax net income in excess of $60 million (more than $2.00 per share) and a full-year return on equity above 45%; results are preliminary and unaudited.

Positive

• Preliminary net income in excess of $60 million
• Preliminary EPS of more than $2.00 per share
• Full-year ROE expected above 45%
• Higher total revenue year-over-year with lower losses and expenses

Negative

• Preliminary, unaudited estimates subject to change after year-end accounting
• Independent auditor has not completed review of 2025 results
• Adjustments may be material during financial close and review

Argus Feb 24 session

+17.90% close to close Open Argus

Details

News Market Reaction – HRTG

In the Feb 24 session, HRTG gained 17.90%, reflecting a significant positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

The stock surged +17.9% in the session following this news. A strong positive reaction aligns with t...

Analysis

The stock surged +17.9% in the session following this news. A strong positive reaction aligns with the company’s preliminary outlook, which points to Q4 2025 after-tax net income above $60 million, EPS over $2.00, and full-year ROE above 45%. Past earnings events have produced generally constructive moves, though insider selling and technical resistance near the 52-week range could temper follow-through if expectations reset around the formal March 9, 2026 release.

Key Figures

Q4 2025 net income: >$60 million Q4 2025 EPS: >$2.00 per share 2025 return on equity: >45% +5 more

Q4 2025 net income

>$60 million

Preliminary after-tax net income for Q4 2025

Q4 2025 EPS

>$2.00 per share

Preliminary Q4 2025 earnings per share

2025 return on equity

>45%

Preliminary full year 2025 ROE

Gross premium written

≈$1.4 billion

Annual gross personal and commercial residential premium

Earnings release date

March 9, 2026

Q4 and full year 2025 results release before market open

Conference call time

9:00 am ET

Q4 and full year 2025 earnings conference call

North American dial-in

1-888-346-3095

Earnings call access number

International dial-in

1-412-902-4258

Earnings call access number

Historical Context

4 past events · Latest: Dec 04

4 events

1. Dec 04

   Investor conference

   24h Move

   +0.6%

   Participation in Sidoti virtual investor conference and webcast availability.

2. Nov 05

   Earnings results

   24h Move

   +3.5%

   Strong Q3 2025 earnings with sharply higher net income and better combined ratio.

3. Oct 28

   Community outreach

   24h Move

   -1.9%

   First responders appreciation and sponsorship of firefighter community initiatives.

4. Oct 22

   Earnings date

   24h Move

   +2.8%

   Announcement of Q3 2025 earnings release and conference call schedule.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

return on equity, forward-looking statements, excess and surplus lines

3 terms

return on equity financial

"and a full year return on equity of more than 45%."

Return on equity shows how effectively a company uses its shareholders' money to generate profit. It is calculated by dividing the company's net profit by its shareholders' equity, indicating how much profit is earned for each dollar invested by owners. Higher return on equity suggests the company is good at turning investments into earnings, which can be an important factor for investors assessing its profitability and efficiency.

forward-looking statements regulatory

"Forward-Looking StatementsStatements in this press release that are not historical facts"

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

excess and surplus lines technical

"covering the northeast, southeast, Hawaii and California excess and surplus lines."

Excess and surplus lines refer to insurance coverage provided by specialized insurers for risks that standard insurers consider too unusual, high-risk, or hard to cover. These policies are important for investors because they help protect against rare or unexpected events that could impact financial stability or asset values, filling gaps where regular insurance options are unavailable.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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TAMPA, Fla., Feb. 23, 2026 /PRNewswire/ -- Heritage Insurance Holdings, Inc. (NYSE: HRTG) ("Heritage" or the "Company"), a super-regional property and casualty insurance holding company, today provided an update on the Company's preliminary fourth quarter 2025 financial results and announced its earnings release dates.

Fourth Quarter 2025 Update
The Company expects to deliver fourth quarter 2025 after-tax net income in excess of $60 million, or more than $2.00 per share, and a full year return on equity of more than 45%.  These preliminary results are driven by higher year-over-year total revenue while both losses and expenses are lower than the prior year quarter.

Fourth Quarter and Full Year 2025 Earnings Date
Heritage will announce its fourth quarter and full year 2025 financial results before the market opens on Monday March 9, 2026 with a conference call to follow at 9:00 am ET on the same day.  

Conference Call Details:
North American Dial-in: 1-888-346-3095
International Dial-in: 1-412-902-4258
Telephone participants should ask to be joined into the Heritage Insurance Holdings Fourth Quarter and Full Year 2025 Earnings Call.

Webcast:
A live audio webcast of the earnings call will be available in the investors section of the company's website. The call will be archived and available for replay.

Financial information, including material announcements about Heritage, is routinely posted on investors.heritagepci.com.

About Heritage

Heritage Insurance Holdings, Inc. is a super-regional property and casualty insurance holding company. Through its insurance subsidiaries and a large network of experienced agents, the Company writes approximately $1.4 billion of gross personal and commercial residential premium across its multi-state footprint covering the northeast, southeast, Hawaii and California excess and surplus lines. As a catastrophe focused property insurer, our personnel have devoted efforts to policyholders impacted by wildfires, hurricanes, winter storms, and severe convective storms.

Forward-Looking Statements

Statements in this press release that are not historical facts are forward-looking statements that are subject to certain risks and uncertainties that could cause actual events and results to differ materially from those discussed herein. Without limiting the generality of the foregoing, words such as "may," "will," "expect," "believe," "anticipate," "intend," "could," "would," "estimate," "or "continue" or the other negative variations thereof or comparable terminology are intended to identify forward-looking statements. This release includes forward-looking statements including statements relating to certain preliminary fourth quarter 2025 financial estimates. The risks and uncertainties that could cause our actual results to differ from those expressed or implied herein include, without limitation, the risk that additional information from the Company or the Company's independent registered accounting firm results in changes to the preliminary estimated financial results presented in this press release, and other risks described from time to time by us in our filings with the Securities and Exchange Commission, including, but not limited to, the Company's Annual Report on Form 10-K for the year ended December 31, 2024 filed with the Securities and Exchange Commission on March 13, 2025, and subsequent filings. The Company undertakes no obligations to update, change or revise any forward-looking statement, whether as a result of new information, additional or subsequent developments or otherwise except as required by law.

The preliminary, unaudited financial estimates contained in this press release are based on information available to management as of the date of this press release, remain subject to the completion of normal year-end accounting procedures and adjustments, and are subject to change. Our independent registered public accounting firm has not completed its review of our results for the quarter or year ended December 31, 2025. During the course of the preparation of our consolidated financial statements and related notes, and completion of our financial close and procedures for the year ended, adjustments to the preliminary estimates may be identified, and such adjustments may be material. In addition, other developments may arise between now and the time the financial statements for the year ended December 31, 2025 are finalized. We undertake no obligation to update the information in this press release in the event facts or circumstances change after the date of this press release.

Investor Contact:  

Kirk Lusk
Chief Financial Officer
investors@heritagepci.com

View original content:https://www.prnewswire.com/news-releases/heritage-provides-update-on-fourth-quarter-2025-financial-results-and-announces-earnings-release-date-302694916.html

SOURCE Heritage Insurance Holdings, Inc.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

When will Heritage (HRTG) report fourth quarter and full year 2025 results?

Heritage will release results before the market opens on March 9, 2026, with a 9:00 am ET conference call. According to the company, the call will be webcast and archived for replay on its investor website.

What preliminary fourth quarter 2025 net income did Heritage (HRTG) announce?

Heritage expects after-tax net income in excess of $60 million for Q4 2025. According to the company, this preliminary estimate is driven by higher revenue and lower losses and expenses versus prior year quarter.

What preliminary EPS and return metrics did Heritage (HRTG) disclose for 2025?

The company expects preliminary EPS of more than $2.00 per share and a full-year return on equity above 45%. According to the company, these are unaudited estimates subject to final close and review.

Are Heritage's (HRTG) fourth quarter 2025 results final and audited?

No — the figures are preliminary and unaudited and remain subject to change. According to the company, the independent registered accounting firm has not completed its review and adjustments could be material.

How can investors join Heritage's (HRTG) March 9, 2026 earnings call?

Investors can join via North American dial-in 1-888-346-3095, international 1-412-902-4258, or the investor website webcast. According to the company, telephone participants should ask to be joined into the Fourth Quarter and Full Year 2025 earnings call.

What business scale metrics did Heritage (HRTG) include in the update?

Heritage said it writes approximately $1.4 billion of gross personal and commercial residential premium across multiple states. According to the company, it is a catastrophe-focused property insurer with a large agent network.