Recent 8-K filings for HRTG

• May 28, 2026, 7:56 PM ET other material materiality 0.65 positive item 8.01item 9.01

  Heritage Insurance places 2026-2027 cat XOL program with $2.2B limit, cost down $63M YoY

  Total reinsurance cost $367.5M, decreasing $63.2M from prior year's $430.7M.

• May 7, 2026, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

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

  Record Q1 net income $36.5M, EPS $1.19 diluted, up 20.2% vs. $0.99 prior year.

• March 9, 2026, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

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

  Q4 net premiums earned $202.7M (+1.7% YoY); net loss ratio 31.3% improved 23.4 pts.

• February 23, 2026, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 7.01item 9.01

  Heritage expects Q4 2025 net income >$60M ($2.00+ EPS), full-year ROE >45%

  Preliminary Q4 2025 after-tax net income exceeds $60 million, or more than $2.00 per share.

• November 5, 2025, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

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

  Net premiums earned $195.1M (-1.9% YoY); ceded premium ratio 46.1% due to reinstatement premium and quota share growth.

• August 5, 2025, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Heritage Q2 net income $48M ($1.55 EPS) vs $18.9M prior; combined ratio improves to 72.9%

  Net income $48.0M, diluted EPS $1.55, up from $18.9M ($0.61) YoY.

• July 24, 2025, 7:59 PM ET debt materiality 0.85 positive item 1.01item 2.03item 9.01 ◈ Debt Financings

  Heritage Insurance Holdings enters into amended credit agreement increasing facilities to $200 million

  Senior secured credit facilities increased to $200M aggregate principal from $150M, including $50M revolving credit facility, $75M term loan, and $75M delayed draw term loan.

• May 8, 2025, 7:59 PM ET other material materiality 0.70 positive item 8.01item 9.01

  Heritage fully places 2025-2026 CAT XOL reinsurance program; limit up $285M, cost up $8M

  Purchased $2.479B limit vs $2.194B prior year; cost $430.9M (+$7.8M).

• May 6, 2025, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Heritage Q1 net income $30.5M ($0.99/sh), combined ratio improves to 84.5% despite wildfire losses

  Net income $30.5M ($0.99/diluted) vs $14.2M ($0.47) YoY; revenue $211.5M up 10.6%.

• March 11, 2025, 7:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01

  Heritage Q4 net income $20.3M ($0.66 EPS), down 34% YoY on $57M Hurricane Milton losses

  Net income $20.3M ($0.66 diluted EPS) vs $30.9M ($1.15) in Q4 2023; Hurricane Milton pre-tax impact $57M.

• January 29, 2025, 6:59 PM ET other material materiality 0.75 neutral item 2.02item 9.01

  Heritage expects best Q4 earnings, $57M Milton impact; Q1 2025 wildfire losses $35-40M

  Q4 2024 net income expected to exceed Q2 2024's $18.9M after-tax net income, the best quarter of the year.

• November 7, 2024, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Heritage Insurance reports Q3 net income of $8.2M vs loss; premiums up 12.6%

  Net income $8.2M ($0.27 diluted) vs net loss $7.4M ($0.28 loss) in Q3 2023.

• October 23, 2024, 7:59 PM ET other material materiality 0.85 negative item 2.02item 9.01

  Heritage estimates $105M net catastrophe losses from Hurricanes Debby, Helene, Milton

  Q3 2024 net catastrophe loss estimate ~$48M from Hurricanes Debby/Helene; company still expects positive Q3 net income.

• August 6, 2024, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Heritage Q2 net income surges 143% to $18.9M; combined ratio improves to 92.5%

  Net income $18.9M ($0.61 diluted EPS) vs $7.8M ($0.30) in Q2 2023, up 142.6%.

• May 2, 2024, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01 ◈ Earnings Releases

  Heritage Q1 2024 net income $14.2M; combined ratio 94.0%, in-force premium up 6.2%

  Net income $14.2M ($0.47 diluted EPS) vs $14.0M ($0.55) in Q1 2023; EPS down due to higher share count.

• April 30, 2024, 7:59 PM ET other material materiality 0.75 neutral item 8.01item 9.01

  Heritage Insurance fully places 2024-2025 CAT XOL reinsurance program at $422.3M cost

  Total consolidated cost ~$422.3M, replacing prior year's RAP program with external partners at added cost.

• March 11, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  Heritage Q4 net income $30.9M ($1.15 EPS); combined ratio improves to 84.9%

  Net income of $30.9M ($1.15 diluted EPS) vs $12.5M ($0.48) a year ago; net loss ratio improved 11.4 pts to 51.0%.

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.85 · Median 0.75 · Most common event earnings

13 positive 2 negative 6 neutral

source · HRTG on sec.gov