Skip to content
OpenCapital
Get started

Hagerty HGTY Q3 2025 earnings

Reported November 4, 2025 · Before market open

Revenue$380.0MBeat by $56.5M
EPS$0.13Beat by $0.04
Revenue estimate$323.5M
EPS estimate$0.09

Next report

Aug 5, 2026 (In 1 week)
Revenue estimate$316.2M
EPS estimate-$0.08

Financials

Q3 2025

Income statement

See full
Revenue$380.0M+17.5%
Operating income$34.3M+240%
Net income$46.2M+143%
EPS (diluted)$0.11+267%

Balance sheet

See full
Cash & equivalents$332.6M+2.9%
Total debt$224.9M+27.8%
Total equity$211.7M+42.8%
Total assets$2.2B+18.4%

Cash flow

See full
Operating cash flow$92.2M+36.8%
CapEx$7.0M+30.1%
Free cash flow$85.2M+37.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.19B+37.0%
Enterprise value$1.09B+50.1%
P/E9.2×-1.8×
P/S0.8×+0.1×

Profitability

See full
Operating margin8.1%—
Net margin9.2%+2.5pp

Returns & leverage

See full
Return on equity71.7%+0.8pp
Debt / equity1.1×-0.1×
Current ratio1×0.0×

Segments

By product

See full
Commission and fee revenue$121.7M+15.4%
Contingent commission$15.4M+43.7%

Versus estimates

Revenue

Q1 2026$311.8MBeat by $26.9MQ4 2025$357.3MBeat by $45.7M
Q3 2025$380.0MBeat by $56.5M
Q2 2025$368.7MBeat by $14.9MQ1 2025$319.6MMiss by $31.8MQ4 2024$299.8MMiss by $6.5M

Diluted EPS

Q1 2026-$0.04Miss by $0.05Q4 2025$0.08Beat by $0.04
Q3 2025$0.13Beat by $0.04
Q2 2025$0.13Beat by $0.02Q1 2025$0.08Beat by $0.06Q4 2024$0.02Beat by $0.01

Ask the moment Hagerty reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Hagerty report Q3 2025 earnings?
Hagerty (HGTY) reported Q3 2025 earnings on November 4, 2025 before market open.
What were Hagerty's Q3 2025 revenue and EPS?
Hagerty reported revenue of $380.0M and eps of $0.13 for Q3 2025.
Did Hagerty beat estimates in Q3 2025?
Revenue beat the consensus estimate of $323.5M by $56.5M. EPS beat the consensus estimate of $0.09 by $0.04.
How did Hagerty's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.5% from $323.4M a year earlier and eps grew 160.0% from $0.05.
Where can I find Hagerty's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001840776-25-000231) and the 10-Q periodic report (0001840776-25-000233) directly on SEC EDGAR. The filing index links above go to sec.gov.