---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-058565"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2023-03-03T23:59:59+00:00"
generated_at: "2026-06-18T13:09:10.427566+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Heritage Insurance Q4 net income $12.5M vs loss; premiums up 15.5%

## Summary
- Q4 net income of $12.5M ($0.48 diluted EPS) vs net loss of $49.2M ($1.79 loss) in prior year.
- Non-GAAP adjusted net income $12.5M ($0.48 per share), up from $11.3M ($0.41) in prior year.
- Gross premiums written $322.1M, up 15.5% YoY; net combined ratio 96.1% (up 2.9 points).
- Repurchased 341,075 shares at avg $1.78 for ~$625K under stock repurchase program.
- Florida Senate Bill 2A passed; CEO cautiously optimistic on market stabilization.

## SEC filing metadata
- accession: 0001193125-23-058565
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2023-03-03T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312523058565/0001193125-23-058565-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312523058565/d428354d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-058565
- JSON: https://secwatch.observer/filing/0001193125-23-058565.json
- Plain text: https://secwatch.observer/filing/0001193125-23-058565.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported fourth quarter of 2022 results: net income $12.5 million, EPS $0.48 per diluted share.
  - Period: fourth quarter of 2022
  - Net income: $12.5 million
  - EPS: $0.48 per diluted share
  - Result: reported results
  source text: Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312523058565/0001193125-23-058565-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.