Heritage Insurance Holdings (HRTG) Operating Margin (2012 - 2026)

Heritage Insurance Holdings (HRTG) reported Operating Margin of 4.64% for Q1 2026, up 59.0% on a YoY basis from 2.92% in Q1 2025, and down 89.51% quarter-over-quarter from 44.25% in Q4 2025.

Heritage Insurance Holdings (HRTG) Operating Margin (2012 - 2026) Analysis & Trends

Heritage Insurance Holdings has reported Operating Margin for 15 years, with the latest figure at 4.64% in Q1 2026.

  • For the quarter ending Q1 2026, Operating Margin rose 59.0% year-over-year to 4.64%; the trailing twelve-month figure through Mar 2026 stood at 28.66% (up 1889.0% YoY), and the FY2025 full-year result was 4.68%, up 242.0% from the prior year.
  • Operating Margin for Q1 2026 stood at 4.64%, down from 44.25% in the prior quarter.
  • The five-year high for Operating Margin was 44.25% in Q4 2025, with the low at 54.05% in Q2 2022.
  • Historically, Operating Margin has averaged 6.18% across 5 years, with a median of 9.27% in 2023.
  • Annual changes were most pronounced in 2022 — Operating Margin plunged 5133 bps — and 2023, when it surged 6332 bps.
  • Heritage Insurance Holdings' Operating Margin stood at 8.54% in 2022, then surged by 138 bps to 20.35% in 2023, then dropped by 22 bps to 15.82% in 2024, then surged by 180 bps to 44.25% in 2025, then sank by 90 bps to 4.64% in 2026.
  • The last three Operating Margin figures came in at 4.64% (Q1 2026), 44.25% (Q4 2025), and 35.96% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Operating Margin (Qtr)
1 Chubb 127.40 Bn 119.98 Bn 8.64 Bn 11.57%
2 Progressive 119.47 Bn 115.12 Bn 8.36 Bn -46.25%
3 Travelers Companies 65.26 Bn 41.34 Bn 5.54 Bn 8.45%
4 Allstate 57.33 Bn 32.74 Bn 14.72 Bn 5.54%
5 Berkley W R 26.90 Bn 23.16 Bn 2.72 Bn 10.96%
6 Cincinnati Financial 25.67 Bn 24.41 Bn 2.60 Bn 12.21%
7 Markel 22.97 Bn 7.51 Bn 2.38 Bn -7.70%
8 Loews 22.18 Bn 9.92 Bn -1.32 Bn 71.45%
9 Assurant 12.79 Bn 10.87 Bn 2.01 Bn 5.74%
10 Heritage Insurance Holdings 679.89 Mn 161.75 Mn 121.06 Mn 4.64%

Historic Data

Download Data
DateValue
Mar 31, 2026 4.64%
Dec 31, 2025 44.25%
Sep 30, 2025 35.96%
Jun 30, 2025 31.18%
Mar 31, 2025 4.05%
Dec 31, 2024 15.82%
Sep 30, 2024 5.91%
Jun 30, 2024 13.58%
Mar 31, 2024 12.65%
Dec 31, 2023 20.35%
Sep 30, 2023 -5.06%
Jun 30, 2023 9.27%
Mar 31, 2023 11.36%
Dec 31, 2022 8.54%
Sep 30, 2022 -28.59%
Jun 30, 2022 -54.05%
Mar 31, 2022 -24.85%
Dec 31, 2021 -26.80%
Sep 30, 2021 -9.47%
Jun 30, 2021 -2.72%