Heritage Q2 net income $48M ($1.55 EPS) vs $18.9M prior; combined ratio improves to 72.9%

Heritage Insurance Holdings, Inc.

2025-Q2 EPS reported $2.54 revenue$419,554,000

Net income $48.0M, diluted EPS $1.55, up from $18.9M ($0.61) YoY.
Net combined ratio 72.9%, improving 19.6 pts from 92.5% in Q2 2024.
Net loss ratio 38.5% (down 17.2 pts); net expense ratio 34.4% (down 2.4 pts).
Gross premiums earned $353.6M (+1.0% YoY); new business premium written up 46.3% YoY.
Nearly all territories open for new business vs 30% a year ago; dividend suspension continues.

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