Heritage Insurance Holdings, Inc. (HRTG)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-05
$33.69-5.71%
Close 2026-11-05 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-05
QuarterlyIQ Insights · HRTG
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 7.7% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Strategic Profitability Initiatives The Company’s core strategic initiatives remain in place: • Generating underwriting profit through rate adequacy and continued selective underwriting.
Stated in 3 of 3 supplied quarters. Management reported: “Strategic Profitability Initiatives The Company’s core strategic initiatives remain in place: • Generating underwriting profit through rate adequacy and continued selective underwriting.” “This strategy is delivering results with new business written rising 62.7% from the first quarter of 2025 and over 30.0% from fourth quarter of 2025.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Strategic Profitability Initiatives The Company’s core strategic initiatives remain in place: • Generating underwriting profit through rate adequacy and continued selective underwriting.”
“Strategic Profitability Initiatives These initiatives will remain in place while the Company also expands its strategy to include its 2026 initiatives: • Generating underwriting profit through rate a…”
“Strategic Profitability Initiatives The Company has focused on three main strategic initiatives aimed at achieving consistent long-term quarterly earnings and driving shareholder value, which include…”
• Allocating capital to products and geographies that maximize long-term returns.
Stated in 3 of 3 supplied quarters. Management reported: “• Allocating capital to products and geographies that maximize long-term returns.” “With our capabilities and financial strength, we will focus on evaluating and allocating capital to profitable products or geographies and we are positioned to expand organically or as accretive business opportunities arise.”” Revenue was $214.195 million in 2026-Q2.
“• Allocating capital to products and geographies that maximize long-term returns.”
“• Allocating capital to products and geographies that maximize long-term returns.”
“• Allocating capital to products and geographies that maximize long-term returns.”
• Expand our relationship with reinsurance partners to expand capacity and manage volatility while pursuing growth.
Stated in 3 of 3 supplied quarters. Management reported: “• Expand our relationship with reinsurance partners to expand capacity and manage volatility while pursuing growth.” “Key highlights of the 2026-2027 catastrophe reinsurance program include: • Total consolidated cost of approximately $367.5 million, a decrease of $63.2 million from the prior year’s renewal cost of approximately $430.7 million.”
“• Expand our relationship with reinsurance partners to expand capacity and manage volatility while pursuing growth.”
“• Expand our relationship with reinsurance partners to expand capacity and manage volatility while pursuing growth.”
“• Expand our relationship with reinsurance partners to expand capacity, manage volatility while pursuing growth.”
Capital Management The Board of Directors has continued the suspension of the Company's quarterly dividend as it prioritizes strategic growth opportunities and will reassess dividend distributions ea…
Stated in 2 of 3 supplied quarters. Management reported: “Capital Management The Board of Directors has continued the suspension of the Company's quarterly dividend as it prioritizes strategic growth opportunities and will reassess dividend distributions each quarter.” “Capital Management Heritage's Board of Directors has decided to continue its suspension of the quarterly shareholder dividend to prioritize strategic growth.”
“Capital Management The Board of Directors has continued the suspension of the Company's quarterly dividend as it prioritizes strategic growth opportunities and will reassess dividend distributions ea…”
“Capital Management Heritage's Board of Directors has decided to continue its suspension of the quarterly shareholder dividend to prioritize strategic growth.”
Continue share repurchases as part of capital management while preserving capacity for strategic growth opportunities.
Over the trailing year it converted 1.16x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
3 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.