Every 8-K 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 8-K covers material events a company has to report between its quarterly 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. reported record second quarter 2026 net income of $61.7 million, up 28.5% from a year earlier, with diluted EPS of $2.05, up 32.3%. Total revenue rose 3.0% to $214.2 million. Profitability improved, with the net loss ratio at 30.4% and the net combined ratio at 64.9%.
Annualized return on average equity was 45.4%. Book value per share reached $19.09 at June 30, 2026, up 16.5% from year end 2025 and 54.5% year-over-year. Net premiums earned grew 2.4% to $201.1 million. Operating cash flow was $166.5 million, up 277%. The company repurchased 1,001,508 shares for $24.6 million under a $50.0 million authorization, leaving $37.4 million available, while its quarterly dividend remains suspended as capital is directed toward strategic growth and share repurchases.
Heritage Insurance Holdings, Inc. reported the results of its annual meeting of stockholders held on June 10, 2026. Stockholders elected six directors to serve until the 2027 annual meeting, including Panagiotis (Pete) Apostolou, Irini Barlas, Ernie Garateix, Joseph Vattamattam, Paul L. Whiting, and Richard Widdicombe.
Stockholders ratified the appointment of Plante & Moran, PLLC as independent registered public accounting firm for the year ending December 31, 2026, with 22,960,126 votes for. They also approved, on an advisory basis, executive compensation and supported holding future say-on-pay votes every one year.
Heritage Insurance Holdings announced that it has fully placed its 2026-2027 indemnity-based catastrophe excess-of-loss reinsurance program for its insurance subsidiaries, including Heritage Property Casualty, Narragansett Bay, and Zephyr Insurance.
The program provides over $2.2 billion of limit, including two new catastrophe bonds. Management states that this renewal includes more multi-year coverage, substantial reinsurance cost savings, and enhanced vertical protection for each insurance entity.
Heritage describes itself as a super-regional property and casualty insurer writing approximately $1.4 billion of gross personal and commercial residential premium across a multi-state footprint focused on catastrophe-exposed risks.
Heritage Insurance Holdings reported record first-quarter 2026 net income of $36.5M, up 19.7%, with diluted EPS of $1.19 rising 20.2% from the prior-year quarter. Total revenue was $212.7M, essentially flat year over year, while underwriting profitability improved.
The net loss ratio fell to 45.9% and the combined ratio improved to 81.0%, reflecting stronger underwriting results. Book value per share increased to $17.15, up 4.6% from year-end 2025 and 61.5% from the first quarter of 2025, and return on average equity was 28.5%.
Operating cash flow was $24.9M. The company repurchased 446,484 shares for $12.0M year-to-date and its board authorized a new $50.0M share repurchase plan through December 31, 2026, while continuing the suspension of the quarterly dividend to prioritize strategic growth initiatives and product and geographic expansion.
Heritage Insurance Holdings, Inc. reported a sharp improvement in profitability for the fourth quarter and full year 2025. Fourth quarter net income rose to $66.7 million, or $2.15 per diluted share, up from $20.3 million, or $0.66, a year earlier, as higher net premiums earned and investment income combined with much lower losses and expenses.
For 2025, net income increased to $195.6 million, or $6.32 per diluted share, compared with $61.5 million, or $2.01, in 2024, despite $31.8 million of wildfire losses. The net combined ratio improved to 62.0% in the quarter from 89.7%, reflecting a lower loss ratio of 31.3% and a lower expense ratio of 30.7%.
Book value per share rose to $16.39 at December 31, 2025, up from $9.50, supported by strong earnings and a reduction in unrealized losses on fixed income securities as interest rates fell. The company kept its quarterly dividend suspended but repurchased shares, including 106,135 shares for $2.3 million in 2025 and 112,858 shares for $3.0 million in early 2026 under a new $25.0 million authorization.
Heritage Insurance Holdings released preliminary estimates for its fourth quarter 2025 results. The company expects after-tax net income of more than $60 million, or over $2.00 per share, and a full year return on equity above 45%, indicating very strong profitability for 2025.
Management attributes these preliminary results to higher total revenue compared to the prior-year quarter, while both losses and expenses are lower. Heritage plans to report its full fourth quarter and full year 2025 financial results before the market opens on March 9, 2026, followed by an earnings conference call the same day.
Heritage Insurance Holdings, Inc. (HRTG) furnished an update on November 5, 2025, announcing it issued a press release with financial results for the fiscal quarter ended September 30, 2025.
The information was provided under Item 2.02 of a Form 8-K and includes Exhibit 99.1, which contains the full press release. The company notes this material is furnished, not filed, under the Exchange Act unless specifically incorporated by reference.
Heritage Insurance Holdings, Inc. reported that board member Mark Berset has retired from its Board of Directors effective September 23, 2025. The company states that there are no disagreements with Mr. Berset regarding its operations, policies, or practices, indicating this is presented as an amicable transition. The Board and company expressed appreciation for his service and extended well wishes for his future endeavors.