Heritage Insurance Holdings, Inc. (HRTG) Earnings History
Elite Compounder14 years of earnings data (2012–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Heritage Insurance Holdings, Inc. (HRTG) Earnings Overview
As of June 22, 2026, Heritage Insurance Holdings, Inc. (HRTG) reported trailing twelve-month net income of $202M, reflecting +214.4% year-over-year growth. The company earned $6.56 per diluted share over the past four quarters, with a net profit margin of 23.1%.
Looking at the long-term picture, HRTG's 5-year EPS compound annual growth rate (CAGR) stands at +80.5%, indicating exceptional earnings growth. The company achieved its highest annual net income of $196M in fiscal 2025, representing a new all-time high.
Heritage Insurance Holdings, Inc. maintains industry-leading profitability with a gross margin of 63.0%, operating margin of 30.6%, and net margin of 23.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including UPC (-$12M net income, -20.6% margin), HCI ($303M net income, 33.2% margin), PLMR ($197M net income, 22.5% margin), HRTG has outperformed on profitability metrics. Compare HRTG vs UPC →
HRTG Earnings vs Peers
Earnings metrics vs comparable public companies
HRTG Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $196M | +217.8% | $259M | $6.32 | 23.1% | 30.6% |
| 2024 | $62M | +35.8% | $83M | $2.01 | 7.5% | 10.1% |
| 2023 | $45M | +129.4% | $52M | $1.73 | 6.2% | 7.1% |
| 2022 | -$154M | -106.6% | -$166M | $-5.86 | -23.3% | -25.1% |
| 2021 | -$75M | -901.3% | -$76M | $-2.69 | -11.8% | -12.0% |
| 2020 | $9M | -67.4% | $2M | $0.33 | 1.6% | 0.4% |
| 2019 | $29M | +5.5% | $41M | $0.98 | 5.6% | 8.0% |
| 2018 | $27M | +2526.7% | $39M | $1.04 | 5.7% | 8.1% |
| 2017 | -$1M | -103.3% | -$6M | $-0.04 | -0.3% | -1.4% |
| 2016 | $34M | -63.4% | $56M | $1.14 | 7.7% | 12.8% |
| 2015 | $93M | +96.4% | $150M | $3.05 | 23.4% | 38.1% |
| 2014 | $47M | +37.7% | $74M | $1.82 | 20.1% | 31.8% |
| 2013 | $34M | +725.9% | $55M | $1.18 | 34.6% | 56.1% |
| 2012 | -$5M | - | -$5M | $-0.19 | -97.1% | -81.8% |
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HRTG — Frequently Asked Questions
Quick answers to the most common questions about buying HRTG stock.
What is HRTG earnings per share (EPS)?
HRTG trailing twelve-month (TTM) diluted EPS is $6.56, reflecting +214.4% year-over-year growth. The 5-year EPS CAGR is +80.5%. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is Heritage Insurance Holdings, Inc.'s net income?
Heritage Insurance Holdings, Inc. (HRTG) trailing twelve-month net income is $202M as of 2025. Earnings grew +214.4% year-over-year. Heritage Insurance Holdings, Inc. has been profitable for 3 consecutive years.
Is HRTG profitable?
Yes, HRTG is profitable with a TTM net income of $202M and a net profit margin of +23.1%. Heritage Insurance Holdings, Inc. has generated profits for 3 consecutive years.
What is HRTG's earnings growth rate?
HRTG compound annual EPS growth rates (CAGR): 1-Year: +214.4%, 3-Year: N/A, 5-Year: +80.5%, 10-Year: +7.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are HRTG's profit margins?
Heritage Insurance Holdings, Inc. net profit margin is +23.1%, operating margin is +30.6%, and gross margin is +63.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +49.1%.
Is HRTG growing earnings?
Yes, HRTG earnings are accelerating — EPS growth of +214.4% exceeds the 5-year CAGR of +80.5%. TTM net income reached $202M. Earnings momentum is strengthening.
What was HRTG's best earnings year?
Heritage Insurance Holdings, Inc.'s highest annual net income on record is $196M, achieved in fiscal year 2025. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were HRTG's earnings last quarter?
HRTG's most recent reported quarter was Q1 2026. Net income was $36M with diluted EPS of $1.19. For a full breakdown of all quarters, see the quarterly earnings table on this page.