Heritage Q3 net income $50.4M ($1.63/diluted) vs $8.2M a year ago; combined ratio 72.9%

Heritage Insurance Holdings, Inc.

2025-Q3 EPS reported $4.17 revenue$632,013,000

Net premiums earned $195.1M (-1.9% YoY); ceded premium ratio 46.1% due to reinstatement premium and quota share growth.
Combined ratio improved 27.7 pts to 72.9% on lower weather losses ($13.8M vs $63.0M) and favorable development.
New business premiums written surged 166% to $36.3M as nearly all territories reopened for new business.
Book value per share $14.15, up 48.9% from year-end 2024; new $25M buyback plan for 2026 approved.
Dividend suspension continued; Board to evaluate quarterly.

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