---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-212120"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2026-05-07T23:59:59+00:00"
generated_at: "2026-05-14T21:44:26.010627+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Heritage Insurance Q1 net income $36.5M ($1.19 EPS), up 19.7% YoY; combined ratio 81.0%

## Summary
- Record Q1 net income $36.5M, EPS $1.19 diluted, up 20.2% vs. $0.99 prior year.
- Net loss ratio improved 3.8 pts to 45.9%; net combined ratio 81.0% vs 84.5%.
- Book value per share $17.15, +61.5% YoY; return on avg equity 28.5%.
- Repurchased 446,484 shares YTD at $12M; Board authorized new $50M buyback plan.
- New business written up 62.7% YoY; reopened 90%+ of geographies; planning Texas entry.

## SEC filing metadata
- accession: 0001193125-26-212120
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2026-05-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312526212120/0001193125-26-212120-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312526212120/hrtg-20260507.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-212120
- JSON: https://secwatch.observer/filing/0001193125-26-212120.json
- Plain text: https://secwatch.observer/filing/0001193125-26-212120.txt

## Source-grounded claims
- claim_id: d4e16a2689dc462c0dd51a80bb4694ba15ef0adc
  claim: Heritage Insurance Holdings, Inc. reported first quarter of 2026 results: net income net income of $36.5 million, EPS $1.19 per diluted share.
  evidence_excerpt: Heritage reported record first quarter net income of $36.5 million
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312526212120/0001193125-26-212120-index.htm

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