Financial insights of HRTG

MyFinsight

For the quarter ending 2025-09-30, HRTG made $212,459K in revenue. $54,997K in net income. Net profit margin of 25.89%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Total revenues	212,459	208,035	211,849	203,571
Losses and loss adjustment expenses	74,766	75,620	130,020	105,928
Policy acquisition costs, net of ceding commission income	45,182	43,146	48,508	47,224
General and administrative expenses, net of ceding commission income	22,345	24,399	21,572	22,780
Total expenses	142,293	143,165	200,100	175,932
Operating income	70,166	64,870	11,749	27,639
Interest expense, net	1,850	1,880	2,755	2,780
Income before income taxes	68,316	62,990	8,994	24,859
Income tax expense	17,895	14,966	842	5,990
Net income	50,421	48,024	8,152	18,869
Change in net unrealized gains on investments	6,009	6,072	19,711	924
Reclassification adjustment for net realized investment gains	5	4	6	12
Income tax expense related to items of other comprehensive income	1,428	1,443	4,666	216
Total comprehensive income	54,997	52,649	23,191	19,565

Basic (in dollars per share)	1.63	1.55	0.27	0.62
Basic (in shares)	30,962,464	31,004,218	30,684,198	30,649,732
Diluted (in dollars per share)	1.63	1.55	0.27	0.61
Diluted (in shares)	31,021,780	31,063,481	30,743,461	30,708,995