Heritage Insurance (HRTG) reported $212.46 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 0.3%. EPS of $1.63 for the same period compares to $0.27 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $210.12 million, representing a surprise of +1.11%. The company delivered an EPS surprise of +207.55%, with the consensus EPS estimate being $0.53.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Heritage Insurance performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Ceded Premium Ratio: 46.1% compared to the 44.5% average estimate based on two analysts.
- Combined Ratio: 72.9% compared to the 94.2% average estimate based on two analysts.
- Expense Ratio: 34.6% versus the two-analyst average estimate of 34.4%.
- Revenues- Net investment income: $9.69 million versus the two-analyst average estimate of $9.17 million. The reported number represents a year-over-year change of -1.2%.
- Revenues- Net premiums earned: $195.13 million versus $197.82 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -1.9% change.
- Revenues- Other revenue: $4.9 million versus the two-analyst average estimate of $3.13 million. The reported number represents a year-over-year change of +52.9%.
View all Key Company Metrics for Heritage Insurance here>>>
Shares of Heritage Insurance have returned -5.7% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Heritage Insurance Holdings, Inc. (HRTG): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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