Heritage Insurance Holdings, Inc. Reports Robust Preliminary Q4 2025 Results and Announces Earnings Release Date

Key Highlights for Investors

• Expected After-Tax Net Income:
  Heritage Insurance Holdings, Inc. (“Heritage” or the “Company”) anticipates delivering after-tax net income in excess of \$60 million for the fourth quarter of 2025. This equates to more than \$2.00 per share.
• Full-Year Performance:
  The Company expects to achieve a full year return on equity (ROE) of more than 45%, a significant achievement that underscores strong profitability.
• Revenue and Expense Trends:
  The impressive preliminary results are driven by higher year-over-year total revenue and lower losses and expenses compared to the same period last year. This combination is highly positive for operating leverage and future earnings.
• Earnings Release Date and Conference Call:
  Heritage will release its full Q4 and FY2025 financial results before market open on Monday, March 9, 2026. A conference call will follow at 9:00 am ET. Key dial-in numbers are:
  • North America: 1-888-346-3095
  • International: 1-412-902-4258

  Investors may also listen via a live webcast on the investor section of the company’s website, which will be archived for replay.

• Company Overview:
  Heritage is a super-regional property and casualty insurance holding company, writing approximately \$1.4 billion in gross personal and commercial residential premium across multiple states, including the Northeast, Southeast, Hawaii, and California (excess and surplus lines). The Company is catastrophe-focused, with experience handling claims related to wildfires, hurricanes, winter storms, and severe convective storms.

Potential Price-Sensitive Information for Shareholders

• Substantial Earnings Surprise:
  The projected after-tax net income and ROE are well above typical industry standards and may signal a strong operational turnaround or exceptional underwriting performance. These numbers, if confirmed, could have a significant positive impact on Heritage’s share value.
• Operational Improvements:
  The combination of revenue growth and cost/loss reduction is particularly noteworthy for shareholders, indicating management’s ability to drive profitable growth even in a challenging insurance market.
• Preliminary Nature of Results:
  The Company emphasizes that these results are preliminary and subject to change pending the completion of the audit and year-end review process. Any material adjustments could impact the final reported figures and thus the share price.
• Forward-Looking Statements:
  The press release contains forward-looking statements, which are subject to risks such as audit adjustments, unforeseen developments, and other factors disclosed in the Company’s SEC filings. Investors should closely monitor the final results announcement and any subsequent regulatory filings.

Important Dates & Investor Actions

• Earnings Release: March 9, 2026, before market open
• Conference Call: March 9, 2026, at 9:00 am ET
• Access Details: Dial-in numbers and webcast via investors.heritagepci.com

Contact Information

• Investor Contact: Kirk Lusk, Chief Financial Officer
• Email: [email protected]

Disclaimer: This article is for informational purposes only and does not constitute investment advice. The preliminary financial results discussed are subject to change based on the completion of normal year-end accounting procedures, audit reviews, and other developments. Investors should review the Company’s upcoming official filings and consult with their financial advisors before making investment decisions. Forward-looking statements are subject to risks and uncertainties as described in Heritage’s SEC filings.

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