Filing Flows › Heritage Insurance Holdings (HRTG) › Q3 2026
Heritage Insurance Holdings (HRTG) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Heritage Insurance Holdings (HRTG) reported revenue of $219M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +2% from the quarter before. Operating margin was 31.6%, net earnings $51.1M (23.3% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $219M | +2% | +3% |
| Operating profit | $69.2M | -17% | -1% |
| Net earnings | $51.1M | -17% | +1% |
| Operating cash flow | $9.6M | -93% | -92% |
| Free cash flow | $9.5M | -93% | -92% |
What changed
Revenue was $219.2M in Q3 2026, up 3% year over year and up 2% from the previous quarter.
Operating profit was $69.2M, a 31.6% margin (down 1.4 points year over year). Operating profit fell $936K even though revenue rose $6.8M versus Q3 2025, so costs grew faster than sales. Total costs grew 5% against revenue growth of 3%. Net earnings were $51.1M, up 1% year over year. The effective tax rate was 24.5%.
Operating cash flow was $9.6M (down 92% year over year), 19% of net earnings. Non-cash charges added back $3.0M of depreciation and amortization and $1.4M of share-based compensation. Working capital and other items used $45.9M. Capital expenditures of $159K left free cash flow of $9.5M.
Questions
What was Heritage Insurance Holdings' revenue in the third quarter 2026?
Heritage Insurance Holdings (HRTG) reported revenue of $219M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +2% from the quarter before.
Was Heritage Insurance Holdings profitable in the third quarter 2026?
Operating profit was $69.2M (31.6% of revenue) and net earnings $51.1M.