Jun 2026 (Q2 FY26) — Aug 6, 2026
Heritage Insurance Holdings Q2 FY26 — Record Earnings and Strategic Repositioning
Read the full callHeritage Insurance Holdings (HRTG) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Heritage Insurance Holdings earnings: last reported Thu, 6 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 214 | +3.0% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | 39.1 | +8.0 pts YoY | Operating profit / revenue | Quarter to Jun 2026 | For the quarter; a change is in percentage points. |
| Net profit | 61.7 | +28.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$35.93 +0.45% · +$0.16
Performance +56.4% 1Y
1Y: $22.97 on 17 Oct 2025 → $35.93. High $36.61 (15 Oct 2026), low $20.88 (3 Jun 2026).
- Previous close
- $35.77
- 52-week range
- $20.88 – $36.61
- One year
- +54.80%
Overview
- Symbol
- HRTG
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
Heritage Insurance Holdings earnings calls (HRTG)
Financials
What the filings say
Net profit, year on year: +28% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 212 | 210 | 212 | 208 | 212 | 215 | 213 | 214 |
| Operating profit | 12 | 32 | 42 | 65 | 70 | 90 | 51 | 84 |
| Operating margin | 5.5% | 15.0% | 20.1% | 31.2% | 33.0% | 41.6% | 23.9% | 39.1% |
| Interest | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 2 |
| Profit before tax | 9 | 29 | 40 | 63 | 68 | 88 | 49 | 82 |
| Tax rate | 9.4% | 29.9% | 23.8% | 23.8% | 26.2% | 24.2% | 25.6% | 24.9% |
| Net profit | 8 | 20 | 30 | 48 | 50 | 67 | 36 | 62 |
| EPS ($ per share) | 0.27 | 0.66 | 0.99 | 1.55 | 1.63 | 2.16 | 1.19 | 2.06 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 196 | 217 | 220 | 138 | -19 | 26 | 88 | 283 |
| Total liabilities | 1,343 | 1,491 | 1,647 | 1,638 | 2,262 | 1,899 | 2,178 | 1,691 |
| Fixed assets | 18 | 21 | 19 | 17 | 26 | 33 | 38 | 28 |
| Total assets | 1,769 | 1,940 | 2,089 | 1,981 | 2,393 | 2,120 | 2,469 | 2,196 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 96 | 120 | 170 | 60 | -34 | 70 | 87 | 182 |
| Cash from investing | 23 | -54 | 22 | -124 | -38 | 101 | -92 | -33 |
| Cash from financing | -32 | -45 | -29 | -17 | -5 | 15 | -5 | -41 |
| Net cash flow | 88 | 21 | 163 | -82 | -77 | 186 | -10 | 109 |
| Capital expenditure | -2 | -5 | -1 | -1 | -9 | -10 | -8 | -8 |
| Free cash flow | 94 | 115 | 169 | 59 | -43 | 61 | 79 | 174 |
Insider filings
75 filings between Oct 20, 2025 and Sep 18, 2026.
Open market
decisions to buy or sellPurchases
$376.9K
2 purchases by 1 insider
Sales
$10.76M
47 sales by 6 insiders
68% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 15
- Award — granted as compensation
- 10
- Tax withheld — shares kept back by the company to cover tax
Also filed: 1 gift.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Garateix Ernie J | — | $3.41M | Sep 14, 2026 |
| Moura Timothy | — | $2.57M | Aug 10, 2026 |
| Binnun Sharon | — | $2.01M | Sep 9, 2026 |
| WIDDICOMBE RICHARD A | — | $1.47M | Nov 18, 2025 |
| Lusk Kirk | — | $1.06M | Aug 17, 2026 |
| WHITING PAUL L | $376.9K | — | May 19, 2026 |
| JOHNS TIMOTHY E | — | $239.4K | Sep 18, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 18, 2026 | JOHNS TIMOTHY E See Remarks | Sale 10b5-1 plan | 3,500 | $121.6K |
| Sep 14, 2026 | Garateix Ernie J Chief Executive Officer | Sale | 2,500 | $88.1K |
| Sep 9, 2026 | Binnun Sharon Chief Accounting Officer | Sale | 6,565 | $222.0K |
| Sep 3, 2026 | Garateix Ernie J Chief Executive Officer | Sale | 2,500 | $87.8K |
| Sep 1, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 9,200 | $312.0K |
| Aug 24, 2026 | Garateix Ernie J Chief Executive Officer | Sale | 10,000 | $348.8K |
| Aug 19, 2026 | JOHNS TIMOTHY E See Remarks | Sale 10b5-1 plan | 3,500 | $117.9K |
| Aug 18, 2026 | Garateix Ernie J Chief Executive Officer | Sale | 5,000 | $172.7K |
| Aug 17, 2026 | Lusk Kirk Chief Financial Officer | Sale | 10,000 | $341.6K |
| Aug 17, 2026 | Garateix Ernie J Chief Executive Officer | Sale | 5,000 | $171.6K |
| Aug 10, 2026 | Moura Timothy See Remarks | Sale | 15,104 | $490.7K |
| Aug 3, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 9,200 | $276.3K |
| Jul 1, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 9,200 | $244.5K |
| Jun 22, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 9,200 | $224.1K |
| Jun 11, 2026 | WHITING PAUL L Director | Gift | 9,662 | $0 |
| Jun 10, 2026 | Apostolou Panagiotis Director | Award | 2,703 | $0 |
| Jun 10, 2026 | Vattamattam Joseph Director | Award | 2,703 | $0 |
| Jun 10, 2026 | WHITING PAUL L Director | Award | 2,703 | $0 |
| Jun 10, 2026 | Barlas Irini Director | Award | 2,703 | $0 |
| Jun 10, 2026 | WIDDICOMBE RICHARD A Director | Award | 2,703 | $0 |
| May 19, 2026 | WHITING PAUL L Director | Purchase | 15,000 | $352.5K |
| May 19, 2026 | WHITING PAUL L Director | Purchase | 1,000 | $24.4K |
| May 1, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 9,200 | $266.8K |
| Apr 20, 2026 | Garateix Ernie J Chief Executive Officer | Sale 10b5-1 plan | 300 | $8.5K |
| Apr 20, 2026 | Garateix Ernie J Chief Executive Officer | Sale 10b5-1 plan | 8,034 | $221.1K |
| Apr 2, 2026 | Moura Timothy See Remarks | Sale 10b5-1 plan | 16,325 | $425.7K |
| Apr 2, 2026 | Moura Timothy See Remarks | Sale 10b5-1 plan | 8,444 | $212.2K |
| Apr 1, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 8,700 | $223.5K |
| Apr 1, 2026 | Moura Timothy See Remarks | Sale 10b5-1 plan | 24,619 | $634.6K |
| Apr 1, 2026 | Moura Timothy See Remarks | Sale 10b5-1 plan | 1,102 | $28.9K |
| Apr 1, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 500 | $13.1K |
| Mar 20, 2026 | Garateix Ernie J Chief Executive Officer | Sale 10b5-1 plan | 8,334 | $211.6K |
| Mar 19, 2026 | Moura Timothy See Remarks | Sale 10b5-1 plan | 910 | $25.0K |
| Mar 19, 2026 | Moura Timothy See Remarks | Sale 10b5-1 plan | 28,223 | $750.8K |
| Mar 17, 2026 | Binnun Sharon Chief Accounting Officer | Sale 10b5-1 plan | 7,893 | $223.8K |
| Mar 12, 2026 | Binnun Sharon Chief Accounting Officer | Tax withheld | 36,274 | $1.02M |
| Mar 12, 2026 | Garateix Ernie J Chief Executive Officer | Tax withheld | 149,632 | $4.21M |
| Mar 12, 2026 | Moura Timothy See Remarks | Tax withheld | 47,549 | $1.34M |
| Mar 12, 2026 | JOHNS TIMOTHY E See Remarks | Tax withheld | 10,588 | $297.9K |
| Mar 12, 2026 | Lusk Kirk Chief Financial Officer | Tax withheld | 72,549 | $2.04M |
| Mar 5, 2026 | Lusk Kirk Chief Financial Officer | Award | 27,487 | $0 |
| Mar 5, 2026 | Moura Timothy See Remarks | Award | 4,337 | $0 |
| Mar 5, 2026 | Garateix Ernie J Chief Executive Officer | Award | 81,125 | $0 |
| Mar 5, 2026 | Lusk Kirk Chief Financial Officer | Award | 15,271 | $0 |
| Mar 5, 2026 | Binnun Sharon Chief Accounting Officer | Award | 12,147 | $0 |
| Mar 5, 2026 | Moura Timothy See Remarks | Award | 16,262 | $0 |
| Mar 5, 2026 | Binnun Sharon Chief Accounting Officer | Award | 3,037 | $0 |
| Mar 5, 2026 | JOHNS TIMOTHY E See Remarks | Award | 1,835 | $0 |
| Mar 5, 2026 | Garateix Ernie J Chief Executive Officer | Award | 25,960 | $0 |
| Mar 5, 2026 | JOHNS TIMOTHY E See Remarks | Award | 764 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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