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Hagerty HGTY Q4 2025 Annual earnings

Reported February 26, 2026 · Before market open

Revenue$357.3MBeat by $45.7M
EPS$0.08Beat by $0.04
Revenue estimate$311.6M
EPS estimate$0.04

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$388.1M+16.5%
Net income$28.6M+238%
EPS (diluted)$0.08+700%

Balance sheet

See full
Cash & equivalents$299.0M+28.4%
Total debt$223.6M+42.9%
Total equity$221.3M+47.2%
Total assets$2.1B+22.5%

Cash flow

See full
Operating cash flow$29.1M—
CapEx$6.0M+48.5%
Free cash flow$23.1M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.35B+55.5%
Enterprise value$1.28B+61.0%
P/E9.1×-2.0×
P/S0.9×+0.2×

Profitability

See full
Net margin10.2%+3.9pp
FCF margin13.3%—

Returns & leverage

See full
Return on equity80.3%+15.9pp
Debt / equity1×0.0×

Segments

By product

See full
Commission and fee revenue$94.4M+18.0%
Contingent commission$11.3M+20.0%

Versus estimates

Revenue

Q1 2026$311.8MBeat by $26.9M
Q4 2025$357.3MBeat by $45.7M
Q3 2025$380.0MBeat by $56.5MQ2 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 $0.05
Q4 2025$0.08Beat by $0.04
Q3 2025$0.13Beat by $0.04Q2 2025$0.13Beat by $0.02Q1 2025$0.08Beat by $0.06Q4 2024$0.02Beat by $0.01

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Questions, answered.

When did Hagerty report Q4 2025 earnings?
Hagerty (HGTY) reported Q4 2025 earnings on February 26, 2026 before market open.
What were Hagerty's Q4 2025 revenue and EPS?
Hagerty reported revenue of $357.3M and eps of $0.08 for Q4 2025.
Did Hagerty beat estimates in Q4 2025?
Revenue beat the consensus estimate of $311.6M by $45.7M. EPS beat the consensus estimate of $0.04 by $0.04.
How did Hagerty's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.2% from $299.8M a year earlier and eps grew 300.0% from $0.02.
Where can I find Hagerty's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001840776-26-000010) and the 10-K periodic report (0001840776-26-000013) directly on SEC EDGAR. The filing index links above go to sec.gov.