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Hagerty (HGTY) investor relations material
Hagerty Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Q3 2025 total revenue rose 18% year-over-year to $380 million, with year-to-date revenue up 18% to $1.07 billion, driven by new business, high retention, and strong marketplace performance.
Net income for Q3 2025 increased 143% year-over-year to $46.2 million; year-to-date net income up 73% to $121 million.
Adjusted EBITDA for Q3 2025 grew 106% year-over-year to $49.7 million; year-to-date Adjusted EBITDA up 46% to $153.1 million.
Strategic partnerships expanded, including new agreements with Liberty Mutual and Safeco, and a proposed fronting arrangement with Markel to assume 100% of premium and risk in 2026.
Marketplace and membership revenues surged, supported by European auction launches, private sales growth, and the launch of Enthusiast+ for modern vehicles.
Financial highlights
Q3 2025 written premium increased 16% year-over-year to $334 million; year-to-date written premium up 13% to $934.4 million.
Q3 2025 commission and fee revenue rose 18% to $137.1 million; year-to-date up 14% to $380.7 million.
Q3 2025 membership, marketplace, and other revenue up 34% to $55.9 million; year-to-date up 54% to $153.4 million.
Q3 2025 operating income was $34.3 million, up 240%; year-to-date operating income up 78% to $107.7 million.
Ended Q3 2025 with $160.4 million in unrestricted cash and $178 million in total debt.
Outlook and guidance
Full-year 2025 guidance raised: total revenue growth of 14-15%, net income of $124-$129 million (up 58-65%), and adjusted EBITDA of $170-$176 million (up 37-41%).
Written premium growth expected at 13-14% for 2025.
Profit guidance incorporates $20 million in technology investments and a $10 million pre-tax impact from Southern California wildfires.
Management anticipates continued profit and margin expansion into 2026 and 2027, driven by organic member growth and new products.
Marketplace growth expected to decelerate in 2026 as auction calendar matures, but volume per event should rise.
Duck Creek platform: expected efficiency gains
Sustaining Marketplace revenue growth drivers?
Future tax rate post valuation allowance release?
Liberty Mutual/Safeco partnership's strategic value?
Markel fronting: key financial statement changes?
Enthusiast Plus: how does it change risk profile?
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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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