---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-097583"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2026-03-09T23:59:59+00:00"
generated_at: "2026-05-15T17:46:51.339612+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-26-097583
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2026-03-09T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312526097583/0001193125-26-097583-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312526097583/d89191d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-097583
- JSON: https://secwatch.observer/filing/0001193125-26-097583.json
- Plain text: https://secwatch.observer/filing/0001193125-26-097583.txt

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