HRTG is the ticker symbol for Heritage Insurance Holdings, Inc., a publicly traded Financials sector company listed on NYSE. 13F Pro tracks HRTG with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is HRTG a good stock to buy?

13F Pro's AI ranking engine scores HRTG at 64.2/100, ranked #566 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for HRTG is available at https://13fpro.ai/company/HRTG. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source HRTG data?

All Heritage Insurance Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. Heritage Insurance Holdings, Inc. files with the SEC under CIK 1598665. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

Heritage Insurance Holdings, Inc. HRTG

NYSESmall CapFinancials

13F Pro quality score

Rank #566 of 2,925TOP 25%

Why it scores 64 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$214.19M

Quarter to Jun 30

Net income

$61.71M

Quarter to Jun 30

Free cash flow

$141.03M

Quarter to Jun 30

Operating margin

39.1%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$490.24M total

BlackRock, Inc.

$60.84M+6.5%

DIMENSIONAL FUND ADVISORS LP

$34.18M+5.1%

AMERICAN CENTURY COMPANIES INC

$27.83M+7.9%

VANGUARD CAPITAL MANAGEMENT LLC

$26.44M+1.2%

VANGUARD PORTFOLIO MANAGEMENT LLC

$24.75M+12.1%

GEODE CAPITAL MANAGEMENT, LLC

$19.56M+1.5%

STATE STREET CORP

$14.71M+7.4%

Connor, Clark & Lunn Investment Management Ltd.

$14.44M+0.5%

Pacific Ridge Capital Partners, LLC

$13.05M+23.3%

JANE STREET GROUP, LLC

$12.46M+129.6%

MORGAN STANLEY

$10.02M+34.8%

AQR CAPITAL MANAGEMENT LLC

$9.54M+4.8%

TWO SIGMA INVESTMENTS, LP

$9.39M+31.1%

JACOBS LEVY EQUITY MANAGEMENT, INC

$8.81M-5.8%

Nuveen, LLC

$7.93M+78.9%

Assenagon Asset Management S.A.

$6.87M-43.0%

BRIDGEWAY CAPITAL MANAGEMENT, LLC

$6.78M0.0%

NORTHERN TRUST CORP

$6.55M+4.1%

MILLENNIUM MANAGEMENT LLC

$6.46M+173.5%

PRUDENTIAL FINANCIAL INC

$6.24M-51.4%

BANK OF AMERICA CORP /DE/

$6.07M+19.5%

CITADEL ADVISORS LLC

$5.97M+24.7%

Trexquant Investment LP

$5.04M+41.5%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$5.01M-18.1%

Quartz Partners, LLC

$4.92M+3.8%

See all 190 institutional holders →

What's Driving HRTG's Business? Latest 10-Q Breakdown

24/24 datapoints verified

AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 28.5% YoY to $61.7 million as the net combined ratio improved 8.0 points to 64.9%, driven by $23.4 million of favorable prior-year reserve development.

Biggest Revenue Drivers

Net premiums earned$201.1M+2.4% YoY

Lower ceded premiums from the reduced northeast quota share program and June 2026 CAT XOL savings offset a decline in commercial residential business.

Net investment income$10.6M+17.3% YoY

Higher average invested asset balances and reinvestment of maturing assets at higher yields.

Biggest Revenue Drivers

Total revenue: $214.2M+3.0% YoY

Net premiums earned$201.1M+2.4% YoY

Lower ceded premiums from the reduced northeast quota share program and June 2026 CAT XOL savings offset a decline in commercial residential business.

Net investment income$10.6M+17.3% YoY

Higher average invested asset balances and reinvestment of maturing assets at higher yields.

Other revenue$2.5M-6.3% YoY

Largest Expense Items

Losses and loss adjustment expenses$61.1M-19.3% YoY

Net favorable prior-year loss reserve development of $23.4 million (vs. $2.3 million prior year) and lower weather losses of $11.5 million (vs. $12.5 million).

Policy acquisition costs$45.5M+5.5% YoY

Reduction in ceding commissions following the year-end 2025 cut to the net quota share program, plus higher policy-related costs.

General and administrative expenses$23.8M-2.5% YoY

Lower municipal tax expense and regulatory compliance costs.

Margins: Net combined ratio improved 8.0 points to 64.9% from 72.9%, driven by an 8.1-point drop in the net loss ratio to 30.4% on favorable reserve development and lower weather losses, while the net expense ratio held flat at 34.5%.

Watch Items from the Filing

Net favorable prior-year reserve development was $23.4 million in Q2 2026 versus just $2.3 million in Q2 2025, a large driver of the loss ratio improvement and earnings growth.
Commercial residential premiums-in-force fell 12.7% YoY to $236.7 million amid intense competition in the Florida commercial residential market; total policies-in-force declined 5.2% YoY.
Business remains concentrated in coastal, hurricane-exposed states, with 2026-2027 catastrophe reinsurance first-event limits of $1.865B (Heritage P&C), $1.245B (NBIC) and $1.0B (Zephyr).
Board authorized a new $50.0 million share repurchase plan in May 2026; $37.4 million of capacity remained as of June 30, 2026 after repurchasing 1,001,508 shares in H1 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Debt/Equity

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

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Heritage Insurance Holdings, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K/A	$847.3M	$195.6M	31.5%
FY 2024	10-K/A	$817.0M	$61.5M	11.5%
FY 2023	10-K/A	$735.5M	$45.3M	8.6%
FY 2022	10-K	$662.5M	$-154.4M	-23.8%
FY 2021	10-K	$631.6M	$-74.7M	-10.8%
FY 2020	10-K	$593.4M	$9.3M	1.7%

About Heritage Insurance Holdings, Inc. (HRTG): stock profile, AI score and financials

Heritage Insurance Holdings, Inc. (HRTG) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores HRTG at 64.2/100 on a composite quality score built from its SEC filings, placing it at rank #566 of 2,925 stocks — the top 25% of the AI-ranked universe. HRTG scores in the top quartile across free cash flow (88.5), profitability (88.3), balance sheet strength (82.3). Based on the latest XBRL financial filings (Q2 2026), Heritage Insurance Holdings, Inc. reports quarterly revenue of $214.2M, net income of $61.7M, an operating margin of 39.1%. HRTG trades on the NYSE exchange and files with the SEC under CIK 1598665. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate HRTG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Heritage Insurance Holdings, Inc. directly from SEC EDGAR.

SEC EDGAR: CIK 1598665 →

Heritage Insurance Holdings, Inc. HRTG

Top Institutional Holders

What's Driving HRTG's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

HRTG key financials by period

HRTG insiders

About Heritage Insurance Holdings, Inc. (HRTG): stock profile, AI score and financials

Heritage Insurance Holdings, Inc. HRTG

Top Institutional Holders

What's Driving HRTG's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

HRTG key financials by period

Companies similar to HRTG

HRTG insiders

About Heritage Insurance Holdings, Inc. (HRTG): stock profile, AI score and financials