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Heritage Insurance Holdings, Inc. (HRTG) has seen a 136% increase in share price year-to-date, significantly outpacing the insurance industry’s 12% rise, the finance sector’s 15%, and the S&P 500 composite’s 18.9%. This surge is attributed to its focus on profitability through disciplined underwriting and selective expansion as it resumes writing personal lines policies after halting in December 2022.
As of September 30, 2025, approximately 71.1% of HRTG’s total insured value was outside Florida, indicating broader geographic diversification. The company also anticipates a gradual increase in its in-force policy count through 2025 and 2026, supported by strong legislative reforms in Florida and advancements in its reinsurance program.
The Zacks Consensus Estimate forecasts a 155.7% year-over-year increase in earnings for 2025, although a 14.3% decrease is expected for 2026. HRTG’s return on equity stands at 41.4%, significantly above the industry average of 8%, signaling effective use of shareholder equity.
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