Heritage Insurance (HRTG) reported $215.32 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 2.4%. EPS of $2.15 for the same period compares to $0.66 a year ago.
The reported revenue represents a surprise of +1.28% over the Zacks Consensus Estimate of $212.61 million. With the consensus EPS estimate being $1.61, the EPS surprise was +33.96%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 44% versus 44.9% estimated by two analysts on average.
- Combined Ratio: 62% compared to the 72.9% average estimate based on two analysts.
- Expense Ratio: 30.7% versus the two-analyst average estimate of 34.6%.
- Revenues- Net investment income: $9.86 million versus the two-analyst average estimate of $9.87 million. The reported number represents a year-over-year change of +15.9%.
- Revenues- Net premiums earned: $202.68 million compared to the $199.61 million average estimate based on two analysts. The reported number represents a change of +1.7% year over year.
- Revenues- Other revenue: $2.81 million versus the two-analyst average estimate of $3.13 million. The reported number represents a year-over-year change of -12%.
View all Key Company Metrics for Heritage Insurance here>>>
Shares of Heritage Insurance have returned +1.3% over the past month versus the Zacks S&P 500 composite's -2.7% 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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