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Compared to Estimates, Hagerty (HGTY) Q4 Earnings: A Look at Key Metrics

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For the quarter ended December 2025, Hagerty, Inc. (HGTY - Free Report) reported revenue of $357.33 million, up 22.5% over the same period last year. EPS came in at $0.08, compared to $0.02 in the year-ago quarter.

The reported revenue represents a surprise of +9.01% over the Zacks Consensus Estimate of $327.79 million. With the consensus EPS estimate being $0.04, the EPS surprise was +100%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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:
  • REVENUE- Earned premium, net: $192.55 million versus $187 million estimated by three analysts on average.
  • REVENUE- Commission and fee revenue: $105.7 million compared to the $100.26 million average estimate based on three analysts.
  • REVENUE- Membership, marketplace and other revenue: $48.15 million compared to the $47.69 million average estimate based on three analysts.
  • Total revenue from customer contracts- Contingent commission revenue: $11.35 million versus the two-analyst average estimate of $6.98 million.
  • Total Written Premium: $259.19 million versus $247.86 million estimated by two analysts on average.
  • Total revenue from customer contracts- Commission and fee revenue: $94.35 million versus $92.56 million estimated by two analysts on average.
  • Total revenue from customer contracts- Marketplace revenue: $36.54 million versus the two-analyst average estimate of $23.77 million.
  • Subject premium- Total: $224.64 million compared to the $220.77 million average estimate based on two analysts.
  • Assumed premium- Total: $178.44 million compared to the $174.25 million average estimate based on two analysts.

View all Key Company Metrics for Hagerty here>>>

Shares of Hagerty have returned -11.5% over the past month versus the Zacks S&P 500 composite's -7.3% 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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