NYSE$HGTY

Hagerty Inc · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Hagerty reported Q1 2025 revenue of $319.6M, net income of $27.3M, diluted EPS of $0.07.

For Q1 2025, Hagerty reported Revenue was $319.6M, net income was $27.3M, diluted EPS was $0.07. Management discusses operating trends, liquidity, and outlook in the quarterly filing.

  • Revenue $319.6M for Q1 2025.
  • Net income $27.3M.
  • Diluted EPS $0.07.

Headline financials

Total Revenue

$320M

Previous: $272M+17.6%
EPS (adj)

$0.07

Previous: -$0.04+275.0%
Written premium

$244M

No prior period
PIF retention

89.0%

Previous: 88.7%+0.3%
Loss ratio

42.0%

Previous: 41.1%+2.2%
Vehicles in force

2.6M

Previous: 2.6M+1.3%
HDC paid members

889.4K

Previous: 831.0K+7.0%
Net Income

$27.3M

Previous: $8.2M+232.9%
Operating Income

$25.7M

Previous: $12.2M+110.5%

Revenue & EPS history

Hagerty · Revenue · Quarterly

$320M

Q1 2025+17.6%vs Q1 2024
Beat estimate in 11 of 13 quarters(85%)
ActualEstimate

Revenue by segment

Hagerty · $152M total across 2 segments · Q1 2022

  • Earned premium
    $89.1M
  • Commission & fee
    $62.5M

Forward guidance

The quarterly filing discusses operating priorities, capital allocation, and sector risks.

Tailwinds

  • MD&A outlines strategic priorities and liquidity.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+1.3%

Avg return

Earnings day

+1.1%

Avg return

5 days after

+6.2%

Avg return

30 days after

58%

11 / 19 earnings

Positive

+10.0%

Q3 2023

Best reaction

-5.5%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.1%-2.8%+0.8%
Q4 2025+4.3%-8.9%-10.6%
Q3 2025-1.8%+10.1%+12.8%
Q1 2025+7.0%+6.0%+12.8%
Q4 2024-0.9%-2.4%-12.7%
Q3 2024-5.5%-5.8%-5.9%
Q2 2024-4.8%-2.5%+7.7%
Q1 2024+1.7%-2.2%+8.5%
Q4 2023+0.1%-5.6%-5.2%
Q3 2023+10.0%+9.2%+10.1%
Q2 2023+0.1%+7.9%+1.2%
Q1 2023+5.1%-2.3%+1.1%
Q4 2022-0.4%+6.9%+7.1%
Q3 2022+7.6%+1.5%-1.5%
Q2 2022+3.6%+18.8%+1.9%
Q1 2022+1.3%+10.7%+32.7%
Q4 2021-0.7%-17.3%-29.3%
Q3 2021-0.1%+0.0%+82.9%
Q2 2021+0.5%-1.0%+2.8%
Q1 2021
Q4 2020

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