What is Hagerty's auto — year 2?

Hagerty (HGTY) reported auto — year 2 of 24.3% in Q4 2025.

How has Hagerty's auto — year 2 changed year-over-year?

Hagerty's auto — year 2 decreased by 3.2% year-over-year, from 25.1% to 24.3%.

What does auto — year 2 mean?

Represents the total insurance premiums or revenue generated by the automotive segment during the second year of a specific multi-year observation period. It serves as a key indicator for evaluating year-over-year growth trends and the retention of the enthusiast vehicle insurance customer base.

Hagerty HGTY Auto — Year 2

Similar metrics at other companies

ORICommercial Automobile — Year 2

23.6%+0.2pp

CNACommercial Auto — Year 2

22.5%+0.2pp

HIGAutomobiles — 2nd Year

54.1%+0.3pp

UFCSCommercial automobile — Year 2

21.3%+0.3pp

HMNAutomobile Liability — Year Two

35.6%+0.3pp

HMNAuto physical damage — Year Two

5.3%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 — year 2?: Hagerty (HGTY) reported auto — year 2 of 24.3% in Q4 2025.
How has Hagerty's auto — year 2 changed year-over-year?: Hagerty's auto — year 2 decreased by 3.2% year-over-year, from 25.1% to 24.3%.
What does auto — year 2 mean?: Represents the total insurance premiums or revenue generated by the automotive segment during the second year of a specific multi-year observation period. It serves as a key indicator for evaluating year-over-year growth trends and the retention of the enthusiast vehicle insurance customer base.