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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Heritage Insurance (HRTG) investor relations material
Heritage Insurance Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Net income for Q2 2025 was $48M ($1.55 per diluted share), up from $18.9M ($0.61) in Q2 2024, driven by lower losses, higher net premiums earned, and reduced expenses.
Strategic initiatives focused on disciplined underwriting, rate adequacy, portfolio diversification, and customer service, resulting in higher average premiums per policy and improved earnings momentum.
New business premium written grew 46% year-over-year as nearly all capacity reopened, with growth expected to accelerate in 2026.
Legislative reforms in Florida improved the economics of writing new business, reduced frivolous lawsuits, and created significant growth opportunities.
Technology and data analytics investments, including a Guidewire IT conversion, are enhancing operational efficiency and scalability.
Financial highlights
Net income for Q2 2025 was $48M, up from $18.9M in Q2 2024; EPS rose to $1.55 from $0.61.
Gross premiums earned rose 1% to $353.6M; net premiums earned increased 3.2% to $196.3M, reflecting business growth and reduced ceded premiums.
Book value per share increased to $12.36 at June 30, 2025, up 30.1% from year-end 2024 and 48.6% year-over-year.
Net investment income was $9M in Q2 2025, down year-over-year due to lower yields.
Premiums-in-force reached $1.43B, a 0.5% increase from Q2 2024, despite a reduction in policy count.
Outlook and guidance
Expecting managed growth in policies in force through H2 2025, with acceleration in 2026 as new business ramps up and exposure management initiatives conclude.
Anticipate building capital in H2 2025 to support organic growth and capital allocation strategy.
Rate increases are expected to moderate as rate adequacy is achieved across most geographies.
Reinsurance market has stabilized, with increased supply and competitive pricing for the 2025 hurricane season.
Management believes liquidity is sufficient for at least the next twelve months, with flexibility for capital expenditures and acquisitions.
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Next Heritage Insurance earnings date
Q3 20256 Nov, 2025
Next Heritage Insurance earnings date
Q3 20256 Nov, 2025
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Leroy DaleyApp Store
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Eferix Drawings Google Play
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Frequently asked questions
Heritage Insurance Holdings Inc provides property and casualty insurance products, primarily targeting homeowners, commercial residential property owners, and condominium associations. The company underwrites personal and commercial residential insurance policies across several U.S. states. Heritage Insurance serves policyholders through independent agency networks and direct channels. The company is headquartered in Tampa, Florida, and its shares are listed on the NYSE.
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