Filing Flows › Heritage Insurance Holdings (HRTG) › Q3 2026 › vs Q3 2025
Heritage Insurance Holdings (HRTG) Q3 2026 vs Q3 2025 (year over year)
Heritage Insurance Holdings's revenue rose $6.8M (+3%) from $212M in Q3 2025 to $219M in Q3 2026. Operating margin 31.6% against 33.0% (-1.4 pts).
Heritage Insurance Holdings, Q3 2026: revenue $219M (+3% year over year), operating margin 31.6%, net earnings $51.1M, operating cash flow $9.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 31.6% | 33.0% | -1.4 pts |
| Net margin | 23.3% | 23.7% | -0.4 pts |
| Free cash flow margin | 4.3% | 57.8% | -53.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $219M | $212M | $6.8M | +3% |
| Operating profit | $69.2M | $70.2M | −$936K | -1% |
| Costs & expenses | $150M | $142M | $7.7M | +5% |
| Pre-tax earnings | $67.7M | $68.3M | −$601K | -0.9% |
| Other expense, net | $1.5M | $1.9M | −$335K | -18% |
| SG&A | $23.5M | $22.3M | $1.2M | +5% |
| Other operating costs | $127M | $120M | $6.6M | +5% |
| Net earnings | $51.1M | $50.4M | $702K | +1% |
| Income tax | $16.6M | $17.9M | −$1.3M | -7% |
| Depreciation & amortization | $3.0M | $3.3M | −$334K | -10% |
| Share-based compensation | $1.4M | $1.2M | $150K | +12% |
| Working capital & other | $45.9M | −$69.3M | $115M | — |
| Operating cash flow | $9.6M | $124M | −$115M | -92% |
| Free cash flow (OCF − capex) | $9.5M | $123M | −$113M | -92% |
| Capital expenditures | $159K | $1.6M | −$1.4M | -90% |
Questions
How much did Heritage Insurance Holdings's revenue grow year over year in Q3 2026?
Heritage Insurance Holdings's revenue rose $6.8M (+3%) from $212M in Q3 2025 to $219M in Q3 2026. Operating margin 31.6% against 33.0% (-1.4 pts).