Compared to Estimates, Heritage Insurance (HRTG) Q2 Earnings: A Look at Key Metrics

Heritage Insurance (HRTG) reported $208.04 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 2.2%. EPS of $1.55 for the same period compares to $0.61 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $212.13 million, representing a surprise of -1.93%. The company delivered an EPS surprise of +50.49%, with the consensus EPS estimate being $1.03.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.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: 44.5% versus 44.4% estimated by two analysts on average.Combined Ratio: 72.9% versus the two-analyst average estimate of 83.6%.Expense Ratio: 34.4% compared to the 35.1% average estimate based on two analysts.Revenues- Net investment income: $9.03 million versus the two-analyst average estimate of $8.63 million. The reported number represents a year-over-year change of -7.5%.Revenues- Net premiums earned: $196.32 million compared to the $200.11 million average estimate based on two analysts. The reported number represents a change of +3.2% year over year.Revenues- Other revenue: $2.68 million compared to the $3.38 million average estimate based on two analysts. The reported number represents a change of -22.8% year over year.View all Key Company Metrics for Heritage Insurance here>>>Shares of Heritage Insurance have returned -8.4% over the past month versus the Zacks S&P 500 composite's +1% 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.Only $1 to See All Zacks' Buys and SellsWe're not kidding.Several years ago, we shocked our members by offering them 30-day access to all our picks for the total sum of only $1. No obligation to spend another cent. Thousands have taken advantage of this opportunity.Thousands did not - they thought there must be a catch. Yes, we do have a reason. We want you to get acquainted with our portfolio services like Surprise Trader, Stocks Under $10, Technology Innovators, and more, that closed 256 positions with double- and triple-digit gains in 2024 alone.See Stocks Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Heritage Insurance Holdings, Inc. (HRTG): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks