SuperworthHeritage Insurance profit margin HRTG
Gross, operating and net profit as a share of revenue over the last twelve months, from 2013.
- Net margin, 12 months
- 25.2%
- Operating margin, 12 months
- 34.5%
- Net margin on a year earlier
- +12.5 pts
- Peer median
- 9.8%
Over the twelve months to Jun 30, 2026, Heritage Insurance kept 25.2% of its revenue as net profit, with an operating margin of 34.5%.
Five years earlier its net margin was −1.9%.
The median for 10 property and casualty insurers of a similar size is 9.8%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin |
|---|---|---|
| FY2025 | 23.1% | 31.5% |
| FY2024 | 7.5% | 11.5% |
| FY2023 | 6.2% | 8.6% |
| FY2022 | −23.3% | −23.8% |
| FY2021 | −11.8% | −10.8% |
| FY2020 | 1.6% | 1.7% |
| FY2019 | 5.6% | 9.7% |
| FY2018 | 5.7% | 14.5% |
| FY2017 | −0.3% | 12.2% |
| FY2016 | 7.7% | 12.9% |
| FY2015 | 23.4% | n/a |
| FY2014 | 20.1% | n/a |
| FY2013 | 27.4% | n/a |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year | Operating margin |
|---|---|---|---|---|
| Q2 FY26 | 25.2% | +12.5 pts | 34.5% | |
| Q1 FY26 | 23.8% | +14.5 pts | 32.5% | |
| Q4 FY25 | 23.1% | +15.6 pts | 31.5% | |
| Q3 FY25 | 17.7% | +8.6 pts | 24.8% | |
| Q2 FY25 | 12.7% | +5.3 pts | 17.9% | |
| Q1 FY25 | 9.3% | +3.2 pts | 13.5% | |
| Q4 FY24 | 7.5% | +1.4 pts | 11.5% | |
| Q3 FY24 | 9.1% | +5.4 pts | 12.4% | |
| Q2 FY24 | 7.4% | +9.4 pts | 10.0% | |
| Q1 FY24 | 6.1% | +22.2 pts | 8.8% | |
| Q4 FY23 | 6.2% | +29.5 pts | 8.6% | |
| Q3 FY23 | 3.7% | +36.7 pts | 5.8% |
Against its peers
Companies in Insurance - Property & Casualty nearest Heritage Insurance's size, closest first, today.
| Company | Profit margin |
|---|---|
| HRTGHeritage Insurance | 25.2% |
| BOWBowhead Specialty | 10.1% |
| ASICAtegrity Specialty Insurance | 20.7% |
| HIPOHippo | 23.9% |
| EIGEmployers | 0.9% |
| UVEUniversal Insurance | 13.5% |
| ROOTRoot | 3.9% |
| UFCSUnited Fire | 9.6% |
| SAFTSafety Insurance | 5.3% |
| DGICADonegal | 7.4% |
| HMNHorace Mann Educators | 10.2% |
| Peer median | 9.8% |
Where Heritage Insurance ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Heritage Insurance
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.