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Hagerty
Hagerty (HGTY) investor relations material
Hagerty Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Total revenue for 2025 rose 17% year-over-year to $1,456 million, with written premium up 14% to $1,194 million and net income surging 91% to $149 million, surpassing initial outlook.
Record 371,000 new members added in 2025; Marketplace revenue more than doubled to $119 million, driven by European expansion and higher inventory sales.
Major investments included technology transformation, strategic hires, Enthusiast+ launch, State Farm rollout to 27 states, and Marketplace expansion into Europe.
New fronting arrangement with Markel enables retention of 100% of premium and greater operational control starting January 1, 2026.
Announced new partnerships with Liberty Mutual and Safeco, and executed a secondary offering to enhance trading volumes.
Financial highlights
Fourth quarter 2025 revenue grew 19% year-over-year to $357 million; written premium up 19% to $259 million.
Commission and fee revenue for 2025 increased 15% to $486 million; membership and other revenue up 4% to $82 million.
Q4 net income was $29 million, up 238% from prior year; full year net income reached $149 million.
Adjusted EBITDA for Q4 was $57 million (up 97%); full year Adjusted EBITDA was $237 million (up 46%).
Operating cash flow for 2025 was $219 million, up 24% year-over-year.
Outlook and guidance
2026 written premium expected to grow 15–16% to $1.37–$1.39 billion, accelerating from 2025.
2026 revenue projected at $1.28–$1.3 billion, reflecting accounting changes from the Markel fronting arrangement.
Net income for 2026 anticipated at -$41 million to -$51 million due to ~$190 million in non-cash transitional expenses; Adjusted EBITDA expected between $236 million and $247 million.
Excluding transition costs, underlying profitability is expected to improve in 2026.
Long-term goal to double policies in force to three million by 2030 and accelerate insurance growth with State Farm rollout.
Markel fronting: underlying profit impact?
Marketplace growth drivers for 2026?
AI's role in future efficiency and growth?
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Next Hagerty earnings date
Q1 20266 May, 2026
Hagerty
Next Hagerty earnings date
Q1 20266 May, 2026
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Frequently asked questions
Hagerty Inc. is an automotive lifestyle and insurance company specializing in the niche market of classic and collectible vehicles. The company provides insurance products tailored to the needs of classic car owners, covering vintage, antique, and collectible vehicles. In addition to its insurance offerings, Hagerty engages in the broader automotive enthusiast community by organizing events, publishing automotive content, and offering membership programs through the Hagerty Drivers Club. Its services cater to car enthusiasts, collectors, and hobbyists, focusing on preserving and celebrating automotive culture. The company is headquartered in Traverse City, Michigan, and its shares are listed on the NYSE.
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