HRTG Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Premiums Earned	793.82	794.16	767.86	697.19	637.07	611.07
Investment Income	38.45	37.16	36.63	25.76	11.98	5.65
Net Gains on Investments	2.73	2.71	-0.71	-0.97	-0.26	-0.02
Total Other Revenues	13.47	13.3	13.2	13.53	13.68	14.85
Revenue	848.47	847.33	816.99	735.5	662.46	631.56
Revenue Growth (YoY)	1.35%	3.71%	11.08%	11.03%	4.89%	6.43%
Insurance Benefits & Claims	305.44	313.25	447.05	426.13	501.16	427.37
Policy Amortization Costs	173.48	173.96	191.19	167.61	156.3	145.97
Other Operating Expenses	94.02	92.97	85.14	78.54	162.36	126.29
Operating Income	275.53	267.15	93.61	63.22	-157.36	-68.06
Interest Expense	-7.24	-7.89	-10.93	-11.21	-8.81	-7.97
Total Non-Operating Income (Expense)	-7.24	-7.89	-10.93	-11.21	-8.81	-7.97
Pretax Income	268.29	259.26	82.68	52.01	-166.17	-76.03
Provision for Income Taxes	66.69	63.67	21.14	6.7	-11.81	-1.31
Net Income	201.6	195.59	61.54	45.31	-154.36	-74.73
Net Income to Common	201.6	195.59	61.54	45.31	-154.36	-74.73
Net Income Growth	159.17%	217.84%	35.83%	-	-	-
Shares Outstanding (Basic)	31	31	31	26	26	28
Shares Outstanding (Diluted)	31	31	31	26	26	28
Shares Change (YoY)	0.69%	0.96%	16.77%	-0.35%	-5.25%	-0.66%
EPS (Basic)	6.53	6.33	2.01	1.73	-5.86	-2.69
EPS (Diluted)	6.52	6.32	2.01	1.73	-5.86	-2.69
EPS Growth	157.71%	214.43%	16.18%	-	-	-
Shares Outstanding	30.33	30.83	30.61	30.22	25.54	26.75
Free Cash Flow	198.47	174.16	78.87	60.53	-41.97	59.12
Free Cash Flow Growth	13.96%	120.84%	30.30%	-	-	-65.11%
Free Cash Flow Per Share	6.41	5.63	2.57	2.31	-1.59	2.13
Dividends Per Share	-	-	-	-	0.120	0.240
Dividend Growth	-	-	-	-	-50.00%	-
Operating Margin	32.47%	31.53%	11.46%	8.59%	-23.75%	-10.78%
Profit Margin	23.76%	23.08%	7.53%	6.16%	-23.30%	-11.83%
FCF Margin	23.39%	20.55%	9.65%	8.23%	-6.34%	9.36%
EBITDA	288.5	279.85	103.16	71.9	-149	-59.62
EBITDA Margin	34.00%	33.03%	12.63%	9.78%	-22.49%	-9.44%
EBIT	275.53	267.15	93.61	63.22	-157.36	-68.06
EBIT Margin	32.47%	31.53%	11.46%	8.59%	-23.75%	-10.78%
Effective Tax Rate	24.86%	24.56%	25.56%	12.88%	7.11%	1.72%

Updated May 8, 2026. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q