NYSE$HRTG

Heritage Insurance Holdings · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Heritage Insurance reported a net loss for Q3 2021, but showed underlying signs of improvement.

Heritage Insurance Holdings, Inc. reported a net loss of $16.4 million for the third quarter of 2021, compared to a net loss of $5.2 million in the prior year quarter. Gross premiums written were $274.2 million, a decrease of 1.5% year-over-year. The company saw an increase in net current accident quarter weather losses, but also noted favorable prior year reserve development and a decrease in the net combined ratio.

  • Net loss of $16.4 million, or $0.59 per diluted share.
  • Gross premiums written of $274.2 million, down 1.5% year-over-year.
  • Net current accident quarter weather losses of $51.4 million, up from $47.3 million in the prior year quarter.
  • Repurchased 148,109 shares for $1.0 million at an average price of $6.78 per share.

Headline financials

Total Revenue

$167M

Previous: $165M+1.4%
EPS (adj)

-$0.59

Previous: -$0.19-210.5%
Premiums in force

$1.2B

No prior period
Capital Expenditures

-$892K

Previous: -$628K-42.0%
Free Cash Flow

-$17.3M

Previous: -$5.86M-195.2%
Net Income

-$16.4M

Previous: -$5.23M-213.6%
Operating Income

-$15.4M

Previous: -$4.48M-243.1%
Gross Profit

-$10.7M

Previous: $7.86M-236.8%
Cash & Equivalents

$393M

Previous: $510M-22.8%
Total Assets

$2.25B

Previous: $2.15B+4.6%
Stock-Based Comp

$319K

Previous: $1.36M-76.5%

Revenue & EPS history

Heritage Insurance · Revenue · Quarterly

$167M

Q3 2021+1.4%vs Q3 2020
Beat estimate in 13 of 16 quarters(81%)
ActualEstimate

Forward guidance

The CEO expects underlying signs of improvement to continue next quarter and throughout 2022.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2021

Historical avgQ3 2021

+3.3%

Avg return

Earnings day

+7.4%

Avg return

5 days after

+10.3%

Avg return

30 days after

66%

35 / 53 earnings

Positive

+37.8%

Q2 2022

Best reaction

-21.9%

Q1 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-20.0%-21.6%
Q4 2025-0.1%+5.0%-1.0%
Q3 2025+12.7%+19.3%+8.0%
Q1 2025+23.1%+27.0%+26.3%
Q4 2024+1.0%+7.7%+36.6%
Q3 2024+6.6%+13.4%+11.2%
Q2 2024+2.1%+42.5%+124.4%
Q1 2024-21.9%-19.5%-16.7%
Q4 2023+28.2%+17.6%+41.8%
Q3 2023+13.5%+24.5%+43.9%
Q2 2023+8.0%+16.2%-0.2%
Q1 2023+10.6%+34.4%+41.2%
Q4 2022+36.8%+43.2%+15.8%
Q3 2022-20.0%-15.4%-8.0%
Q2 2022+37.8%+24.4%+6.7%
Q1 2022-9.5%-22.1%-11.2%
Q4 2021+16.9%+14.7%+17.5%
Q3 2021-3.7%-6.5%-5.6%
Q2 2021+3.4%+6.9%-4.7%
Q1 2021-4.4%+0.3%-7.9%
Q4 2020+1.7%+10.4%+9.6%
Q3 2020+3.1%-4.0%+9.0%
Q2 2020+7.2%+14.2%+10.0%
Q1 2020+3.4%+11.0%+19.2%
Q4 2019-6.0%-1.1%-15.2%
Q3 2019+12.0%+5.8%-0.2%
Q2 2019+3.5%+2.5%-2.5%
Q1 2019+4.2%+9.7%+15.1%
Q4 2018+1.3%-7.6%-3.0%
Q3 2018+6.7%+13.8%+13.9%
Q2 2018-9.6%-9.7%-11.8%
Q1 2018+5.9%+12.2%+10.7%
Q4 2017+2.9%+2.1%-6.3%
Q3 2017+2.6%+5.2%+12.2%
Q2 2017+6.1%-8.1%-24.4%
Q1 2017+7.9%+3.5%+7.3%
Q4 2016-8.9%-12.0%-19.4%
Q3 2016+11.6%+19.8%+34.7%
Q2 2016+13.8%+10.6%+13.8%
Q1 2016-2.6%
Q4 2015-11.7%
Q3 2015+4.9%
Q2 2015-13.4%
Q1 2014-0.9%
Q1 2015+1.4%
Q4 2012-1.1%
Q3 2013-1.1%
Q1 2013-1.1%
Q4 2014+0.8%
Q3 2014+5.4%
Q2 2013+2.1%
Q4 2013+2.1%
Q2 2014-0.2%

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