Heritage Q4 net income $66.7M ($2.15/sh) up 228.5%; combined ratio 62.0% vs 89.7%

Heritage Insurance Holdings, Inc.

Q4 net premiums earned $202.7M (+1.7% YoY); net loss ratio 31.3% improved 23.4 pts.
Full year net income $195.6M ($6.32/sh) vs $61.5M ($2.01/sh) in 2024.
Book value per share $16.39, up 72.5% from year-end 2024 and 124.8% from 2023.
Dividend remains suspended; new $25M buyback authorized through Dec 2026.
Company plans to enter Texas E&S market as part of 2026 strategic initiatives.

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