Heritage Insurance Holdings, Inc. (HRTG) Earnings History
Annual and quarterly earnings data from 2012 to 2025
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HRTG EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
HRTG Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 63.0% | 30.6% | 23.1% |
| 2024 | 21.9% | 10.1% | 7.5% |
| 2023 | 19.3% | 7.1% | 6.2% |
| 2022 | 0.8% | -25.1% | -23.3% |
| 2021 | 9.2% | -12.0% | -11.8% |
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Heritage Insurance Holdings, Inc. (HRTG) Earnings Overview
As of May 8, 2026, Heritage Insurance Holdings, Inc. (HRTG) reported trailing twelve-month net income of $196M, reflecting +214.4% year-over-year growth. The company earned $6.32 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 ($314M 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% |
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Start ComparisonHRTG — Frequently Asked Questions
Quick answers to the most common questions about buying HRTG stock.
Is HRTG growing earnings?
HRTG EPS is $6.32, with earnings growth accelerating to +214.4%. This exceeds the 5-year CAGR of +80.5%. TTM net income reached $196M.
What are HRTG's profit margins?
Heritage Insurance Holdings, Inc. net margin is +23.1%, with operating margin at +30.6%. Above-average margins indicate pricing power.
How consistent are HRTG's earnings?
HRTG earnings data spans 2012-2025. The accelerating earnings trend is +214.4% YoY. Historical data enables comparison across business cycles.