---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-335334"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2026-08-05T20:45:16+00:00"
generated_at: "2026-08-05T20:46:14.270122+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Heritage Q2 net income $61.7M, EPS $2.05, combined ratio 64.9%

## Summary
- Record Q2 net income of $61.7M, up 28.5% YoY; diluted EPS $2.05 vs $1.55.
- Net combined ratio improved 8.0 pts to 64.9%; net loss ratio improved 8.1 pts to 30.4%.
- Book value per share $19.09, up 54.5% YoY; annualized ROE 45.4%.
- Repurchased 1,001,508 shares for $24.6M in 2026; $37.4M remaining on $50M authorization.
- Began writing surplus lines business in Texas; dividend suspension continues.

## SEC filing metadata
- accession: 0001193125-26-335334
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2026-08-05T20:45:16+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312526335334/0001193125-26-335334-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312526335334/hrtg-20260805.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-335334
- JSON: https://secwatch.observer/filing/0001193125-26-335334.json
- Plain text: https://secwatch.observer/filing/0001193125-26-335334.txt

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