Heritage Insurance/$HRTG

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About Heritage Insurance

Heritage Insurance Holdings Inc is a regional property and casualty insurance company that offers a variety of personal and commercial insurance products. Through its subsidiaries, Heritage Property & Casualty Insurance, Narragansett Bay Insurance, and Zephyr Insurance, the company issues personal residential property insurance in various states in the United States. It also offers commercial residential insurance predominantly for its Florida properties. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claims processing internally. Company operates in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina.

Ticker

$HRTG
Sector

Primary listing

NYSE

Employees

540

HRTG Metrics

BasicAdvanced
$728M
7.15
$3.47
1.06
-

Bulls say / Bears say

Strong underwriting discipline led to a significant improvement in the net combined ratio, dropping to 72.9% in Q2 2025 from 92.5% the previous year, reflecting strong core operating profitability.
New business premium written jumped 46.3% year-over-year in Q2 2025, as Heritage nearly fully reopened its production capacity, indicating powerful growth momentum.
Book value per share climbed 48.6% year-over-year to $12.36 at June 30, 2025, demonstrating considerable capital creation and strengthening of shareholder equity.
Gross premiums earned rose just 1.0% year-over-year to $353.6 million in Q2 2025, showing only modest revenue growth despite increased capacity.
Net investment income was down 8.2% year-over-year at $9.0 million in Q2 2025, as a result of a lower interest rate environment, which could impact Heritage’s earnings consistency.
Heritage’s Board is maintaining the suspension of quarterly dividends, choosing to focus resources on strategic growth instead of shareholder payouts, which could put off income-oriented investors.
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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