Heritage Insurance Holdings (HRTG) Gross Margin (2012 - 2026)
Heritage Insurance Holdings' (HRTG) quarterly Gross Margin came in at 54.13% in Q1 2026, up 113.0% YoY from 25.41% in Q1 2025, and down 23.25% on a QoQ basis from 70.53% in Q4 2025.
Heritage Insurance Holdings (HRTG) Gross Margin (2012 - 2026) Analysis & Trends
Heritage Insurance Holdings (HRTG) has 15 years of Gross Margin data on file, last reported at 54.13% in Q1 2026.
- Quarterly Gross Margin rose 113.0% year-over-year to 54.13% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 62.13% (up 1521.0% YoY) and the FY2025 annual result came in at 60.56%, up 1878.0% from the prior year.
- Gross Margin declined to 54.13% in Q1 2026, from 70.53% in the prior quarter.
- In the past five years, Gross Margin ranged from a high of 70.53% in Q4 2025 to a low of 5.83% in Q3 2022.
- A 5-year average of 43.38% and a median of 46.66% in 2024 frame the typical range for Gross Margin.
- Annual changes were most pronounced in 2022 — Gross Margin sank 2272 bps — and 2023, when it surged 3649 bps.
- Tracing HRTG's Gross Margin over 5 years: stood at 40.57% in 2022, then gained by 27 bps to 51.52% in 2023, then dropped by 7 bps to 48.13% in 2024, then surged by 47 bps to 70.53% in 2025, then fell by 23 bps to 54.13% in 2026.
- The last three Gross Margin figures came in at 54.13% (Q1 2026), 70.53% (Q4 2025), and 61.68% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chubb | 134.90 Bn | 121.13 Bn | 9.13 Bn | 57.69% |
| 2 | Progressive | 124.06 Bn | 119.06 Bn | 9.04 Bn | 38.28% |
| 3 | Travelers Companies | 79.33 Bn | 55.58 Bn | 4.83 Bn | 44.93% |
| 4 | Allstate | 67.38 Bn | 28.65 Bn | 16.28 Bn | 87.55% |
| 5 | Fairfax Financial Holdings | 35.35 Bn | 35.35 Bn | - | - |
| 6 | Cincinnati Financial | 26.76 Bn | 24.87 Bn | 2.39 Bn | 55.85% |
| 7 | Loews | 23.32 Bn | 1.02 Bn | 2.57 Bn | 54.18% |
| 8 | Markel | 23.18 Bn | 6.30 Bn | 2.83 Bn | 70.46% |
| 9 | Assurant | 14.03 Bn | 11.99 Bn | 2.71 Bn | 78.34% |
| 10 | Heritage Insurance Holdings | 978.41 Mn | 262.91 Mn | 153.14 Mn | 71.49% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 71.49% |
| Mar 31, 2026 | 54.13% |
| Dec 31, 2025 | 70.53% |
| Sep 30, 2025 | 61.68% |
| Jun 30, 2025 | 61.48% |
| Mar 31, 2025 | 53.00% |
| Dec 31, 2024 | 48.13% |
| Sep 30, 2024 | 38.63% |
| Jun 30, 2024 | 47.97% |
| Mar 31, 2024 | 46.66% |
| Dec 31, 2023 | 51.52% |
| Sep 30, 2023 | 25.61% |
| Jun 30, 2023 | 42.45% |
| Mar 31, 2023 | 44.92% |
| Dec 31, 2022 | 40.57% |
| Sep 30, 2022 | 5.83% |
| Jun 30, 2022 | 35.86% |
| Mar 31, 2022 | 8.43% |
| Dec 31, 2021 | 38.10% |
| Sep 30, 2021 | 20.20% |