Compared to Estimates, Hagerty (HGTY) Q3 Earnings: A Look at Key Metrics

By Zacks Equity Research | November 04, 2025, 9:30 AM

For the quarter ended September 2025, Hagerty, Inc. (HGTY) reported revenue of $379.99 million, up 17.5% over the same period last year. EPS came in at $0.13, compared to $0.05 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $355.27 million, representing a surprise of +6.96%. The company delivered an EPS surprise of +44.44%, with the consensus EPS estimate being $0.09.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Hagerty performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • HDC Paid Member Count: 920,725 compared to the 927,380 average estimate based on two analysts.
  • Hagerty Re Loss Ratio: 42% versus the two-analyst average estimate of 42.5%.
  • REVENUE- Commission and fee revenue: $137.1 million versus $132.59 million estimated by three analysts on average.
  • REVENUE- Earned premium: $187.04 million versus the three-analyst average estimate of $184.95 million.
  • REVENUE- Membership, marketplace and other revenue: $55.85 million versus $39.21 million estimated by three analysts on average.
  • Total Written Premium: $334.05 million compared to the $329.74 million average estimate based on two analysts.

View all Key Company Metrics for Hagerty here>>>

Shares of Hagerty have returned -6.6% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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