Heritage Insurance Holdings (HRTG) Net Margin (2012 - 2026)
Heritage Insurance Holdings' (HRTG) quarterly Net Margin came in at 18.27% in Q1 2026, up 386.0% YoY from 3.76% in Q1 2025, and up 36.77% on a QoQ basis from 13.36% in Q4 2025.
Heritage Insurance Holdings (HRTG) Net Margin (2012 - 2026) Analysis & Trends
Heritage Insurance Holdings (HRTG) has 15 years of Net Margin data on file, last reported at 18.27% in Q1 2026.
- Quarterly Net Margin rose 386.0% year-over-year to 18.27% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 20.3% (up 954.0% YoY) and the FY2025 annual result came in at 24.63%, up 1661.0% from the prior year.
- Net Margin advanced to 18.27% in Q1 2026, from 13.36% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 25.84% in Q3 2025 to a low of 55.52% in Q2 2022.
- A 5-year average of 3.48% and a median of 7.92% in 2023 frame the typical range for Net Margin.
- Annual changes were most pronounced in 2022 — Net Margin slumped 5289 bps — and 2023, when it surged 5971 bps.
- Tracing HRTG's Net Margin over 5 years: stood at 7.16% in 2022, then surged by 131 bps to 16.55% in 2023, then decreased by 6 bps to 15.49% in 2024, then dropped by 14 bps to 13.36% in 2025, then jumped by 37 bps to 18.27% in 2026.
- The last three Net Margin figures came in at 18.27% (Q1 2026), 13.36% (Q4 2025), and 25.84% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chubb | 134.48 Bn | 120.72 Bn | 9.13 Bn | 18.22% |
| 2 | Progressive | 123.71 Bn | 118.71 Bn | 9.04 Bn | 14.02% |
| 3 | Travelers Companies | 79.14 Bn | 55.39 Bn | 4.83 Bn | 20.53% |
| 4 | Allstate | 67.04 Bn | 28.31 Bn | 16.28 Bn | 17.43% |
| 5 | Fairfax Financial Holdings | 35.29 Bn | 35.29 Bn | - | - |
| 6 | Cincinnati Financial | 26.69 Bn | 24.80 Bn | 2.39 Bn | 29.36% |
| 7 | Loews | 23.25 Bn | 947.16 Mn | 2.57 Bn | 9.95% |
| 8 | Markel | 23.10 Bn | 6.22 Bn | 2.83 Bn | 29.09% |
| 9 | Assurant | 13.92 Bn | 11.89 Bn | 2.71 Bn | 8.64% |
| 10 | Heritage Insurance Holdings | 968.65 Mn | 253.16 Mn | 153.14 Mn | 28.81% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 28.81% |
| Mar 31, 2026 | 18.27% |
| Dec 31, 2025 | 13.36% |
| Sep 30, 2025 | 25.84% |
| Jun 30, 2025 | 24.46% |
| Mar 31, 2025 | 14.41% |
| Dec 31, 2024 | 15.49% |
| Sep 30, 2024 | 3.87% |
| Jun 30, 2024 | 9.26% |
| Mar 31, 2024 | 7.44% |
| Dec 31, 2023 | 16.55% |
| Sep 30, 2023 | -4.20% |
| Jun 30, 2023 | 4.20% |
| Mar 31, 2023 | 7.92% |
| Dec 31, 2022 | 7.16% |
| Sep 30, 2022 | -29.15% |
| Jun 30, 2022 | -55.52% |
| Mar 31, 2022 | -20.11% |
| Dec 31, 2021 | -30.78% |
| Sep 30, 2021 | -10.10% |