Heritage Insurance Holdings (HRTG) Net Margin (2013 - 2026)
Heritage Insurance Holdings (HRTG) recorded Net Margin of 28.81% in the quarter ended Jun 30, 2026, up 5.73 percentage points from 23.08% a year earlier and up 11.65 percentage points from the prior quarter.
Heritage Insurance Holdings (HRTG) Net Margin (2013 - 2026) Analysis & Trends
On a TTM basis, Heritage Insurance Holdings' Net Margin came in at 25.19% as of Jun 30, 2026, up 12.48 percentage points year-over-year; for the year ended Dec 31, 2025, it was 23.08%, up 15.55 percentage points from the prior year.
- Annual Net Margin has increased for three straight years, with a five-year change of +21.51 percentage points (years ended Dec 2020 to Dec 2025).
- Across earlier years, Net Margin came in at 7.53% in the year ended Dec 31, 2024 (+1.37 pp), 6.16% in the year ended Dec 31, 2023 (+29.46 pp), -23.30% in the year ended Dec 31, 2022 (-11.47 pp) and -11.83% in the year ended Dec 31, 2021 (-13.40 pp).
- Quarterly Net Margin has ranged from -53.65% in the quarter ended Jun 30, 2022 to 30.97% in the quarter ended Dec 31, 2025 over the past five years.
- On a year-over-year basis, Net Margin has increased for six consecutive quarters, with an average year-over-year change of +8.92 percentage points over the last eight quarters.
- Peak year-over-year performance for Net Margin in the last five years was a gain of 57.85 percentage points in the quarter ended Jun 30, 2023, against a drop of 51.02 percentage points in the quarter ended Jun 30, 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 17.16% (quarter ended Mar 31, 2026), 30.97% (quarter ended Dec 31, 2025) and 23.73% (quarter ended Sep 30, 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Berkshire Hathaway | 1,082.55 Bn | -334.93 Bn | 55.86 Bn | 25.21% |
| 2 | Chubb | 128.03 Bn | 80.09 Bn | 9.13 Bn | 18.05% |
| 3 | Progressive | 122.38 Bn | 98.22 Bn | 9.04 Bn | 14.02% |
| 4 | Marsh & Mclennan Companies | 81.46 Bn | 73.20 Bn | - | 17.10% |
| 5 | Travelers Companies | 75.77 Bn | 52.02 Bn | 6.23 Bn | 18.17% |
| 6 | Manulife Financial | 73.91 Bn | 75.11 Bn | - | 10.52% |
| 7 | Metlife | 60.71 Bn | -45.77 Bn | 7.82 Bn | 3.68% |
| 8 | Aon | 58.53 Bn | 51.77 Bn | - | 12.98% |
| 9 | Arthur J. Gallagher | 58.38 Bn | 52.82 Bn | - | 8.09% |
| 10 | Heritage Insurance Holdings | 995.74 Mn | -1.23 Bn | 153.14 Mn | 28.81% |
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 28.81% |
| Mar 31, 2026 | 17.16% |
| Dec 31, 2025 | 30.97% |
| Sep 30, 2025 | 23.73% |
| Jun 30, 2025 | 23.08% |
| Mar 31, 2025 | 14.41% |
| Dec 31, 2024 | 9.65% |
| Sep 30, 2024 | 3.85% |
| Jun 30, 2024 | 9.27% |
| Mar 31, 2024 | 7.44% |
| Dec 31, 2023 | 16.55% |
| Sep 30, 2023 | -3.98% |
| Jun 30, 2023 | 4.20% |
| Mar 31, 2023 | 7.92% |
| Dec 31, 2022 | 7.16% |
| Sep 30, 2022 | -29.15% |
| Jun 30, 2022 | -53.65% |
| Mar 31, 2022 | -19.39% |
| Dec 31, 2021 | -29.52% |
| Sep 30, 2021 | -9.80% |
Heritage Insurance Holdings Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=HRTG&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "HRTG", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=HRTG&period=max&api_key=YOUR_API_KEY");
const data = await res.json();