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Hagerty HGTY Unearned premiums

Unearned premiums at other companies

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$1.07B+5.2%
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SiriusPointSPNT
$1.99B+9.6%
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Mercury GeneralMCY
$2.35B+11.0%
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The Hanover Insurance GroupTHG
$3.4B+4.4%
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Ally FinancialALLY
$3.67B+2.9%

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:UnearnedPremiums.

The official record: Hagerty’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Hagerty's unearned premiums?
Hagerty (HGTY) reported unearned premiums of $508M in Q1 2026.
How has Hagerty's unearned premiums changed year-over-year?
Hagerty's unearned premiums increased by 44.3% year-over-year, from $352.16M to $508M.
What is the long-term trend for Hagerty's unearned premiums?
Over 5 years (2020 to 2025), Hagerty's unearned premiums has grown at a 27.0% compound annual growth rate (CAGR), from $124.71M to $412.06M.
What does unearned premiums mean?
This represents the portion of written premiums that corresponds to the unexpired period of the insurance policy term. As the policy period progresses, this liability is systematically recognized as earned premium revenue in the income statement.