Every 10-Q that HERITAGE INSURANCE HOLDINGS INC (HRTG) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow HRTG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full HRTG filings page.
Heritage Insurance Holdings, Inc. reports stronger profitability for the quarter and six months ended June 30, 2026. For the quarter, total revenues were $214,195 (in thousands) and net income was $61,710 (in thousands), up from $48,024 (in thousands) a year earlier, as losses and loss adjustment expenses declined.
Net premiums earned were $201,124 (in thousands) for the quarter and $400,817 (in thousands) year to date, while investment income also increased. Basic earnings per share were $2.06 for the quarter and $3.24 for the first half. Operating cash flow strengthened to $166,553 (in thousands) for the six months, supporting a cash and restricted cash balance of $601,379 (in thousands) and total stockholders’ equity of $567,728 (in thousands) as of June 30, 2026. The company continues to rely on extensive catastrophe excess of loss and quota share reinsurance programs to manage its concentrated coastal property risk.
Heritage Insurance Holdings reported stronger results for the quarter ended March 31, 2026. Net income was $36.5M, compared with $30.5M in the prior-year quarter, and basic and diluted earnings per share were $1.19.
Total revenues were $212.7M, driven mainly by net premiums earned of $199.7M and net investment income of $9.9M. Losses and loss adjustment expenses fell to $91.6M, reflecting favorable prior-year development and legislative reforms, while operating income increased to $50.8M.
The balance sheet showed total assets of $2.02B and stockholders’ equity of $520.4M. Cash, cash equivalents and restricted cash totaled $533.3M, and long-term debt was $77.6M. Heritage also repurchased 370,484 shares for $10.0M during the quarter, and insurance subsidiaries remained in compliance with regulatory capital and risk-based capital requirements.
Heritage Insurance Holdings (HRTG) reported strong Q3 2025 results. Total revenues were $212.5 million versus $211.8 million a year ago, while operating income rose to $70.2 million from $11.7 million. Net income increased to $50.4 million, up from $8.2 million, with diluted EPS of $1.63 versus $0.27.
For the first nine months, total revenues were $632.0 million versus $606.7 million, and net income reached $128.9 million compared with $41.2 million, with diluted EPS of $4.17 versus $1.35. Losses and loss adjustment expenses fell to $74.8 million in Q3 from $130.0 million, and interest expense declined to $1.9 million from $2.8 million.
The balance sheet showed cash and cash equivalents of $560.4 million (up from $452.7 million at year-end), stockholders’ equity of $437.3 million (up from $290.8 million), and unpaid losses of $649.6 million (down from $1,042.7 million). The company recorded a ~$2.7 million gain from a real estate sale and received an $11.0 million promissory note at 7% interest. The 2025–2026 reinsurance program includes FHCF participation at 90.0% and first-event coverage up to $1.6 billion for Heritage P&C, $1.1 billion for NBIC, and $865.0 million for Zephyr.
Heritage Insurance Holdings (HRTG) delivered sharply stronger results for Q2-25. Net premiums earned rose 3% to $196.3 mn while the loss & LAE expense fell 29% to $75.6 mn, driving total expenses down 19% to $143.2 mn. Operating income surged to $64.9 mn (vs $27.6 mn) and net income climbed to $48.0 mn (vs $18.9 mn), equal to diluted EPS of $1.55 (vs $0.61). First-half net income reached $78.5 mn, more than double the prior-year period.
Underwriting profitability improved materially. Q2 combined ratio compressed to ~73% from ~92%, reflecting lower catastrophe and attritional losses as well as higher ceding-commission offsets. Net investment income declined 8% to $9.0 mn, but was more than offset by underwriting gains.
Balance-sheet metrics strengthened. Book value rose 32% YTD to $383.3 mn, or $12.36/share. Cash & equivalents increased to $473.5 mn, while long-term debt was reduced to $92.4 mn (-21%). Unpaid losses dropped to $713.2 mn from $1.04 bn, aided by $216 mn of reinsurance recoveries. Prepaid reinsurance premiums expanded to $530.3 mn ahead of the 2025-26 catastrophe program.
The company remains a single reportable segment focused on residential property insurance and notes no material impact expected from the recently enacted One Big Beautiful Bill Act. Management adopted new income-tax disclosure standards and continues heavy investment ($3.6 mn YTD) in its policy-billing-claims technology platform, targeted for completion by end-2026.