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Heritage Insurance (HRTG) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended September 2026, Heritage Insurance (HRTG - Free Report) reported revenue of $219.24 million, up 3.2% over the same period last year. EPS came in at $1.72, compared to $1.63 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $217.39 million, representing a surprise of +0.85%. The company delivered an EPS surprise of +65.39%, with the consensus EPS estimate being $1.04.

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:
  • Loss Ratio: 39.6% versus 51.1% estimated by two analysts on average.
  • Combined Ratio: 73% versus the two-analyst average estimate of 85.5%.
  • Expense Ratio: 33.4% versus 34.5% estimated by two analysts on average.
  • Revenues- Net premiums earned: $205.59 million versus the two-analyst average estimate of $203.81 million. The reported number represents a year-over-year change of +5.4%.
  • Revenues- Other revenue: $2.33 million versus $2.66 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -52.5% change.
  • Revenues- Net investment income: $11.36 million versus $10.92 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +17.3% change.

View all Key Company Metrics for Heritage Insurance here>>>

Shares of Heritage Insurance have returned +8.1% over the past month versus the Zacks S&P 500 composite's -0.2% 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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