Heritage Insurance Holdings, Inc.HRTGEarnings & Financial Report
United Property & Casualty Insurance Company, Inc. is an American property and casualty insurance company with headquarters in Florida. It writes commercial, residential, homeowners’, and flood insurance policies in several coastal states.
HRTG Q4 FY2025 Key Financial Metrics
Revenue
$215.3M
Gross Profit
N/A
Operating Profit
$89.7M
Net Profit
$66.7M
Gross Margin
N/A
Operating Margin
41.6%
Net Margin
31.0%
YoY Growth
2.4%
EPS
$2.15
Heritage Insurance Holdings, Inc. Q4 FY2025 Financial Summary
Heritage Insurance Holdings, Inc. reported revenue of $215.3M (up 2.4% YoY) for Q4 FY2025, with a net profit of $66.7M (up 228.6% YoY) (31.0% margin).
Key Financial Metrics
| Total Revenue | $215.3M |
|---|---|
| Net Profit | $66.7M |
| Gross Margin | N/A |
| Operating Margin | 41.6% |
| Report Period | Q4 FY2025 |
Heritage Insurance Holdings, Inc. Annual Revenue by Year
Heritage Insurance Holdings, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $847.3M).
Heritage Insurance Holdings, Inc. Quarterly Revenue & Net Profit History
Heritage Insurance Holdings, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $215.3M | +2.4% | $66.7M | 31.0% |
| Q3 FY2025 | $212.5M | +0.3% | $50.4M | 23.7% |
| Q2 FY2025 | $208.0M | +2.2% | $48.0M | 23.1% |
| Q1 FY2025 | $211.5M | +10.6% | $30.5M | 14.4% |
| Q4 FY2024 | $210.3M | +12.5% | $20.3M | 9.7% |
| Q3 FY2024 | $211.8M | +13.7% | $8.2M | 3.8% |
| Q2 FY2024 | $203.6M | +9.9% | $18.9M | 9.3% |
| Q1 FY2024 | $191.3M | +8.1% | $14.2M | 7.4% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $191.3M | $203.6M | $211.8M | $210.3M | $211.5M | $208.0M | $212.5M | $215.3M |
| YoY Growth | 8.1% | 9.9% | 13.7% | 12.5% | 10.6% | 2.2% | 0.3% | 2.4% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.13B | $2.60B | $2.37B | $2.47B | $2.21B | $2.54B | $2.37B | $2.20B |
| Liabilities | $1.90B | $2.34B | $2.10B | $2.18B | $1.88B | $2.15B | $1.93B | $1.69B |
| Equity | $234.9M | $255.3M | $279.3M | $290.8M | $329.0M | $383.3M | $437.3M | $505.3M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $4.3M | $152.2M | $-13.4M | $87.1M | $837000 | $43.3M | $124.3M | $182.2M |