What is Hagerty's auto — year 3?

Hagerty (HGTY) reported auto — year 3 of 6.5% in Q4 2025.

How has Hagerty's auto — year 3 changed year-over-year?

Hagerty's auto — year 3 increased by 4.8% year-over-year, from 6.2% to 6.5%.

What does auto — year 3 mean?

Represents the total insurance premiums or revenue generated by the automotive segment during the third year of a specific multi-year observation period. This metric is used to assess the long-term sustainability and scaling capabilities of the company's primary insurance offerings.

Hagerty HGTY Auto — Year 3

Similar metrics at other companies

ORICommercial Automobile — Year 3

16.4%+0.4pp

CNACommercial Auto — Year 3

19.1%+0.7pp

HIGAutomobiles — 3rd Year

37.2%+0.8pp

AXSInsurance — Year 3

15.3%—

UFCSCommercial automobile — Year 3

17.3%+0.4pp

HMNAuto physical damage — Year Three

-0.3%-0.1pp

Other financials

Income statement

See full

Revenue$311.8M-5.0%

Operating income$34.3M+240%

Net income-$12.7M-147%

EPS (diluted)-$0.06-186%

Balance sheet

See full

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

See full

Operating cash flow$16.3M-62.9%

CapEx$7.7M+43.1%

Free cash flow$8.5M-77.8%

Valuation

See full

Market cap$1.17B+30.8%

Enterprise value$1.07B+36.3%

P/E10.7×+1.5×

P/S0.8×+0.1×

Profitability

See full

Operating margin8.1%—

Net margin7.5%0.0pp

FCF margin11.4%—

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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

Ask your AI about Hagerty's auto — year 3.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Hagerty's auto — year 3?: Hagerty (HGTY) reported auto — year 3 of 6.5% in Q4 2025.
How has Hagerty's auto — year 3 changed year-over-year?: Hagerty's auto — year 3 increased by 4.8% year-over-year, from 6.2% to 6.5%.
What does auto — year 3 mean?: Represents the total insurance premiums or revenue generated by the automotive segment during the third year of a specific multi-year observation period. This metric is used to assess the long-term sustainability and scaling capabilities of the company's primary insurance offerings.