Heritage Q4 net income $20.3M ($0.66 EPS), down 34% YoY on $57M Hurricane Milton losses

Heritage Insurance Holdings, Inc.

Net income $20.3M ($0.66 diluted EPS) vs $30.9M ($1.15) in Q4 2023; Hurricane Milton pre-tax impact $57M.
Gross premiums earned $360.4M (+6.1% YoY); net premiums earned $199.3M (+12.2%).
Net combined ratio 89.7% (up 4.8 pts from 84.9%); net loss ratio 54.7% (up 3.7 pts).
Book value per share $9.50, up 30.3% from year-end 2023 and 85.2% from year-end 2022.
Dividend suspension continues; no share repurchases in quarter.

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