HRTG
Heritage Insurance Holdings, Inc.
Overview
Heritage Insurance Holdings, Inc is a Financial Services company operating in Insurance - Property & Casualty with a $704.5M market cap.
Most recent reported earnings: Q2 FY2026 (Aug 3, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-05-0821 Q&A exchanges
- Q4 FY2025Earnings2026-03-0914 Q&A exchanges
- Q3 FY2025Earnings2025-11-0711 Q&A exchanges
- Q2 FY2025Earnings2025-08-069 Q&A exchanges
- Q1 FY2025Earnings2025-05-0710 Q&A exchanges
- Q4 FY2024Earnings2025-03-127 Q&A exchanges
- Q3 FY2024Earnings2024-11-098 Q&A exchanges
- Q2 FY2024Earnings2024-08-0719 Q&A exchanges
- Q1 FY2024Earnings2024-05-024 Q&A exchanges
- Q4 FY2023Earnings2024-03-1210 Q&A exchanges
- Q3 FY2023Earnings2023-11-0316 Q&A exchanges
- Q2 FY2023Earnings2023-08-098 Q&A exchanges
- Q1 FY2023Earnings2023-05-054 Q&A exchanges
- Q4 FY2022Earnings2023-03-0323 Q&A exchanges
- Q3 FY2022Earnings2022-11-1213 Q&A exchanges
- Q2 FY2022Earnings2022-08-0524 Q&A exchanges
- Q1 FY2022Earnings2022-05-0625 Q&A exchanges
- Q4 FY2021Earnings2022-03-084 Q&A exchanges
- Q3 FY2021Earnings2021-11-0514 Q&A exchanges
- Q2 FY2021Earnings2021-08-0713 Q&A exchanges
- Q1 FY2021Earnings2021-05-097 Q&A exchanges
History
Earnings history
- Q2 FY20262026-08-03EPS— vs $0.99—Rev— vs ——EODHD
- Q1 FY20262026-05-06EPS$1.19 vs $1.53-22.2%Rev$212.7M vs ——EODHD
- Q4 FY20252026-03-08EPS$2.15 vs $0.98+100.0%Rev$142.4M vs ——EODHD
- Q3 FY20252025-11-04EPS$1.63 vs $0.53+100.0%Rev$212.5M vs ——EODHD
- Q2 FY20252025-08-04EPS$1.55 vs $1.02+52.0%Rev$208.0M vs ——EODHD
- Q1 FY20252025-05-05EPS$0.99 vs $0.45+100.0%Rev$211.5M vs ——EODHD
- Q4 FY20242025-03-09EPS$0.66 vs $0.56+17.9%Rev$210.3M vs ——EODHD
- Q3 FY20242024-11-05EPS$0.27 vs $0.06+100.0%Rev$211.8M vs ——EODHD
- Q2 FY20242024-08-05EPS$0.61 vs $0.41+48.8%Rev$203.6M vs ——EODHD
- Q1 FY20242024-04-30EPS$0.47 vs $0.59-20.3%Rev$203.6M vs ——EODHD
- Q4 FY20232024-03-10EPS$1.15 vs $0.46+100.0%Rev$187.0M vs ——EODHD
- Q3 FY20232023-11-01EPS$-0.27 vs $-0.21-28.6%Rev$186.3M vs ——EODHD
- Q2 FY20232023-08-07EPS$0.36 vs $0.08+100.0%Rev$185.3M vs ——EODHD
- Q1 FY20232023-05-03EPS$0.49 vs $0.10+100.0%Rev$176.9M vs ——EODHD
- Q4 FY20222023-03-01EPS$0.48 vs $-0.16+100.0%Rev$174.6M vs ——EODHD
- Q3 FY20222022-11-07EPS$-1.83 vs $-1.06-72.6%Rev$165.5M vs ——EODHD
- Q2 FY20222022-08-03EPS$0.11 vs $-0.12+100.0%Rev$163.8M vs ——EODHD
- Q1 FY20222022-05-04EPS$-1.15 vs $0.22-100.0%Rev$158.6M vs ——EODHD
- Q4 FY20212022-03-06EPS$0.41 vs $0.14+100.0%Rev$166.7M vs ——EODHD
- Q3 FY20212021-11-03EPS$-0.59 vs $-0.27-100.0%Rev$167.4M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-03 | — | $0.99 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-05-06 | $1.19 | $1.53 | -22.2% | $212.7M | — | — | EODHD |
| Q4 FY2025 | 2026-03-08 | $2.15 | $0.98 | +100.0% | $142.4M | — | — | EODHD |
| Q3 FY2025 | 2025-11-04 | $1.63 | $0.53 | +100.0% | $212.5M | — | — | EODHD |
| Q2 FY2025 | 2025-08-04 | $1.55 | $1.02 | +52.0% | $208.0M | — | — | EODHD |
| Q1 FY2025 | 2025-05-05 | $0.99 | $0.45 | +100.0% | $211.5M | — | — | EODHD |
| Q4 FY2024 | 2025-03-09 | $0.66 | $0.56 | +17.9% | $210.3M | — | — | EODHD |
| Q3 FY2024 | 2024-11-05 | $0.27 | $0.06 | +100.0% | $211.8M | — | — | EODHD |
| Q2 FY2024 | 2024-08-05 | $0.61 | $0.41 | +48.8% | $203.6M | — | — | EODHD |
| Q1 FY2024 | 2024-04-30 | $0.47 | $0.59 | -20.3% | $203.6M | — | — | EODHD |
| Q4 FY2023 | 2024-03-10 | $1.15 | $0.46 | +100.0% | $187.0M | — | — | EODHD |
| Q3 FY2023 | 2023-11-01 | $-0.27 | $-0.21 | -28.6% | $186.3M | — | — | EODHD |
| Q2 FY2023 | 2023-08-07 | $0.36 | $0.08 | +100.0% | $185.3M | — | — | EODHD |
| Q1 FY2023 | 2023-05-03 | $0.49 | $0.10 | +100.0% | $176.9M | — | — | EODHD |
| Q4 FY2022 | 2023-03-01 | $0.48 | $-0.16 | +100.0% | $174.6M | — | — | EODHD |
| Q3 FY2022 | 2022-11-07 | $-1.83 | $-1.06 | -72.6% | $165.5M | — | — | EODHD |
| Q2 FY2022 | 2022-08-03 | $0.11 | $-0.12 | +100.0% | $163.8M | — | — | EODHD |
| Q1 FY2022 | 2022-05-04 | $-1.15 | $0.22 | -100.0% | $158.6M | — | — | EODHD |
| Q4 FY2021 | 2022-03-06 | $0.41 | $0.14 | +100.0% | $166.7M | — | — | EODHD |
| Q3 FY2021 | 2021-11-03 | $-0.59 | $-0.27 | -100.0% | $167.4M | — | — | EODHD |
Source: EODHD. HRTG reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks HRTG's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 80% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 6 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $3.85 | $3.71 | +3.9% | +2.4% | +3.8% |
| Q4 FY2026 | $4.09 | $3.67 | +11.5% | +4.4% | +6.5% |
| Q3 FY2026 | $3.78 | $3.62 | +4.5% | +3.3% | +1.5% |
| Q2 FY2026 | $4.11 | $3.68 | +11.6% | -0.2% | +2.5% |
| Q1 FY2025 | $3.98 | $3.74 | +6.4% | +5.0% | +5.6% |
| Q4 FY2025 | $4.22 | $3.68 | +14.7% | +2.4% | +0.9% |
| Q3 FY2025 | $3.97 | $3.71 | +7.0% | +3.7% | +4.4% |
| Q2 FY2025 | $3.86 | $3.74 | +3.1% | +7.7% | +6.6% |
| Q1 FY2024 | $4.35 | $3.96 | +9.8% | -1.6% | -1.6% |
| Q4 FY2024 | $4.45 | $3.91 | +13.7% | +8.6% | +6.2% |
Guidance change history
Sample- Q1 FY2026Suspended2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Suspended2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Ernie J GarateixCEO9 mo15 callsCurrentSample
CEO since 2025 • 3/4 beats (75%) • guidance suspended Q2 FY2026
- Kirk LuskCFO8 mo18 callsCurrentSample
CFO since 2025 • 2/4 beats (50%) • guidance suspended Q2 FY2026
- Sharon BinnunChief Accounting Officer6 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 3/4 beats (75%) • guidance suspended Q2 FY2026
- Timothy MouraSee Remarks6 mono recorded callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • last guidance raise Q3 FY2026
- Timothy E JohnsSee Remarks6 mono recorded callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • last guidance raise Q2 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for HRTG.
$ curl https://api.spokenalpha.com/v1/companies/HRTGFAQ
Frequently asked about HRTG
Where can I find Heritage Insurance Holdings, Inc.'s (HRTG) earnings call transcripts?
Spoken Alpha indexes HRTG's earnings call transcripts at https://spokenalpha.com/companies/HRTG. Each call links to attributed speakers and parsed analyst Q&A. Heritage Insurance Holdings, Inc.'s own investor relations page is at https://investors.heritagepci.com/.
When was Heritage Insurance Holdings, Inc.'s most recent earnings call?
Heritage Insurance Holdings, Inc. (HRTG) held its most recent earnings call on 2026-05-08, covering fiscal Q1 2026.
What sector is HRTG in?
Heritage Insurance Holdings, Inc. (HRTG) operates in the Financial Services sector (Insurance - Property & Casualty industry).