Hagerty HGTY Auto — Cumulative effect of foreign currency rate changes

Similar metrics at other companies

ENRAuto Care — Cumulative translation adjustment

$900K-10.0%

GHC

GHCAutomotive — Foreign currency exchange rate changes

$0—

STAutomotive — Foreign currency translation effect

$25K+200%

METVariable Annuity — Effect of foreign currency translation on the cumulative instrument-specific credit risk

-$1M-150%

BHInsurance — Change in foreign exchange rates

$0—

METInsurance, Other — Effect of foreign currency translation on the cumulative instrument-specific credit risk

-$1M-200%

Other financials

Income statement

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Revenue$311.8M-5.0%

Operating income$34.3M+240%

Net income-$12.7M-147%

EPS (diluted)-$0.06-186%

Balance sheet

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Cash & equivalents$366.7M+28.1%

Total debt$272.5M+50.3%

Total equity$218.7M+34.2%

Total assets$2.0B+11.5%

Cash flow

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Operating cash flow$16.3M-62.9%

CapEx$7.7M+43.1%

Free cash flow$8.5M-77.8%

Valuation

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Market cap$1.17B+30.8%

Enterprise value$1.07B+36.3%

P/E10.7×+1.5×

P/S0.8×+0.1×

Profitability

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Operating margin8.1%—

Net margin7.5%0.0pp

FCF margin11.4%—

Returns & leverage

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Return on equity57.2%-18.7pp

Debt / equity1.2×+0.1×

Current ratio1×0.0×

Where this comes from

Reported directly by Hagerty in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAccumulatedForeignExchange.

The official record: Hagerty’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Hagerty's auto — cumulative effect of foreign currency rate changes?: Hagerty (HGTY) reported auto — cumulative effect of foreign currency rate changes of $91K in Q4 2025.
What does auto — cumulative effect of foreign currency rate changes mean?: This metric measures the impact of fluctuations in foreign exchange rates on the valuation of automotive insurance reserves and liabilities denominated in non-functional currencies. It highlights the company's exposure to international market volatility. Significant changes can indicate potential accounting adjustments that do not reflect underlying operational performance.