GRMN 10-Q Quarterly Report March 29, 2025 | Alphaminr

GRMN 10-Q Quarter ended March 29, 2025

GARMIN LTD
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10-Q
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United States

Securities and Exchange Commission

Washington, D.C. 20549

FORM 10-Q

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 29, 2025

or

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission file number 001-41118

GARMIN LTD .

(Exact name of Company as specified in its charter)

Switzerland

98-0229227

(State or other jurisdiction

(I.R.S. Employer

of incorporation or organization)

identification no.)

Mühlentalstrasse 2

8200 Schaffhausen

Switzerland

N/A

(Address of principal executive offices)

(Zip Code)

Company’s telephone number, including area code: + 41 52 630 1600

Securities registered pursuant to Section 12(b) of the Act:

Registered Shares, $0.10 Per Share Par Value

GRMN

New York Stock Exchange

(Title of each class)

(Trading Symbol)

(Name of each exchange on which registered)

Indicate by check mark whether the Company (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Company was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes NO

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes NO

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large Accelerated Filer

Accelerated Filer

Non-accelerated Filer

Smaller reporting company

Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. YES NO

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

YES NO

Number of shares outstanding of the registrant’s common shares as of April 25, 2025

Registered Shares, $0.10 par value: 192,541,456 (excluding treasury shares)


Garmin Ltd.

Form 10-Q

Quarter Ended March 29, 2025

Table of Contents

Page

Part I - Financial Information

1

Item 1.

Condensed Consolidated Financial Statements

1

Condensed Consolidated Statements of Income for the 13-Weeks ended March 29, 2025 and March 30, 2024 (Unaudited)

1

Condensed Consolidated Statements of Comprehensive Income for the 13-Weeks ended March 29, 2025 and March 30, 2024 (Unaudited)

2

Condensed Consolidated Balance Sheets at March 29, 2025 and December 28, 2024 (Unaudited)

3

Condensed Consolidated Statements of Cash Flows for the 13-Weeks ended March 29, 2025 and March 30, 2024 (Unaudited)

4

Condensed Consolidated Statements of Stockholders’ Equity for the 13-Weeks ended March 29, 2025 and March 30, 2024 (Unaudited)

5

Notes to Condensed Consolidated Financial Statements (Unaudited)

6

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

15

Item 3.

Quantitative and Qualitative Disclosures About Market Risk

20

Item 4.

Controls and Procedures

20

Part II - Other Information

21

Item 1.

Legal Proceedings

21

Item 1A.

Risk Factors

21

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

22

Item 3.

Defaults Upon Senior Securities

22

Item 4.

Mine Safety Disclosures

22

Item 5.

Other Information

22

Item 6.

Exhibits

23

Signature Page

24

i


Part I - Financial Information

Item I - Condensed Consolidated Financial Statements

Garmin Ltd. and Subsidiaries

Condensed Consolidated State ments of Income (Unaudited)

(In thousands, except per share information)

13-Weeks Ended

March 29,
2025

March 30,
2024

Net sales

$

1,535,099

$

1,381,649

Cost of goods sold

650,554

579,510

Gross profit

884,545

802,139

Research and development expense

268,120

242,535

Selling, general and administrative expenses

283,601

261,194

Total operating expense

551,721

503,729

Operating income

332,824

298,410

Other income (expense):

Interest income

30,507

25,027

Foreign currency gains

24,760

2,282

Other income

987

1,321

Total other income (expense)

56,254

28,630

Income before income taxes

389,078

327,040

Income tax provision

56,309

51,079

Net income

$

332,769

$

275,961

Net income per share:

Basic

$

1.73

$

1.44

Diluted

$

1.72

$

1.43

Weighted average common shares outstanding:

Basic

192,544

191,890

Diluted

193,717

192,698

See accompanying notes.

1


Garmin Ltd. and Subsidiaries

Condensed Consolidated Statements o f Comprehensive Income (Unaudited)

(In thousands)

13-Weeks Ended

March 29,
2025

March 30,
2024

Net income

$

332,769

$

275,961

Foreign currency translation adjustment

8,680

( 59,055

)

Change in fair value of available-for-sale marketable securities, net of deferred taxes

12,647

2,613

Comprehensive income

$

354,096

$

219,519

See accompanying notes.

2


Garmin Ltd. and Subsidiaries

Condensed Consolidated Ba lance Sheets (Unaudited)

(In thousands)

March 29,
2025

December 28,
2024

Assets

Current assets:

Cash and cash equivalents

$

2,175,515

$

2,079,468

Marketable securities

498,995

421,270

Accounts receivable, net

787,133

983,404

Inventories

1,581,952

1,473,978

Deferred costs

21,077

24,040

Prepaid expenses and other current assets

380,512

353,993

Total current assets

5,445,184

5,336,153

Property and equipment, net of accumulated depreciation of $ 1,174,579 and $ 1,139,156

1,233,213

1,236,884

Operating lease right-of-use assets

170,703

164,656

Noncurrent marketable securities

1,226,464

1,198,331

Deferred income tax assets

831,817

822,521

Noncurrent deferred costs

5,783

6,898

Goodwill

616,955

603,947

Other intangible assets, net

150,026

154,163

Other noncurrent assets

107,477

106,974

Total assets

$

9,787,622

$

9,630,527

Liabilities and Stockholders’ Equity

Current liabilities:

Accounts payable

$

344,804

$

359,365

Salaries and benefits payable

204,589

210,879

Accrued warranty costs

61,142

62,473

Accrued sales program costs

71,765

108,492

Other accrued expenses

209,473

216,721

Deferred revenue

105,716

110,997

Income taxes payable

332,217

294,582

Dividend payable

144,349

Total current liabilities

1,329,706

1,507,858

Deferred income tax liabilities

104,923

103,274

Noncurrent income taxes payable

6,951

7,014

Noncurrent deferred revenue

25,526

28,321

Noncurrent operating lease liabilities

140,235

134,886

Other noncurrent liabilities

803

776

Stockholders’ equity:

Common shares ( 194,901 and 194,901 shares authorized and issued;
192,711 and 192,468 shares outstanding)

19,490

19,490

Additional paid-in capital

2,255,968

2,247,484

Treasury shares ( 2,190 and 2,433 shares)

( 301,804

)

( 270,521

)

Retained earnings

6,331,735

5,999,183

Accumulated other comprehensive income (loss)

( 125,911

)

( 147,238

)

Total stockholders’ equity

8,179,478

7,848,398

Total liabilities and stockholders’ equity

$

9,787,622

$

9,630,527

See accompanying notes.

3


Garmin Ltd. and Subsidiaries

Condensed Consolidated Stateme nts of Cash Flows (Unaudited)

(In thousands)

13-Weeks Ended

March 29,
2025

March 30,
2024

Operating Activities:

Net income

$

332,769

$

275,961

Adjustments to reconcile net income to net cash provided by
operating activities:

Depreciation

37,463

33,892

Amortization

8,835

10,933

Gain on sale or disposal of property and equipment

( 15

)

( 12

)

Unrealized foreign currency (gains) losses

( 38,983

)

2,974

Deferred income taxes

( 11,593

)

( 9,611

)

Stock compensation expense

37,772

30,719

Realized loss on marketable securities

98

Changes in operating assets and liabilities, net of acquisitions:

Accounts receivable, net of allowance for doubtful accounts

213,089

108,453

Inventories

( 102,239

)

16,545

Other current and noncurrent assets

( 17,510

)

2,117

Accounts payable

( 12,629

)

( 1,281

)

Other current and noncurrent liabilities

( 57,318

)

( 64,699

)

Deferred revenue

( 8,160

)

( 2,549

)

Deferred costs

4,102

( 1,451

)

Income taxes

35,107

33,314

Net cash provided by operating activities

420,788

435,305

Investing activities:

Purchases of property and equipment

( 40,062

)

( 33,168

)

Purchase of marketable securities

( 179,827

)

( 85,626

)

Redemption of marketable securities

88,788

77,131

Net (payments for) cash from acquisitions

( 2,100

)

5,011

Other investing activities, net

599

( 223

)

Net cash used in investing activities

( 132,602

)

( 36,875

)

Financing activities:

Dividends

( 144,566

)

( 140,212

)

Purchase of treasury shares related to equity awards

( 33,144

)

( 15,987

)

Purchase of treasury shares under share repurchase plan

( 27,098

)

Net cash used in financing activities

( 204,808

)

( 156,199

)

Effect of exchange rate changes on cash and cash equivalents

12,672

( 13,913

)

Net increase in cash, cash equivalents, and restricted cash

96,050

228,318

Cash, cash equivalents, and restricted cash at beginning of period

2,080,154

1,694,156

Cash, cash equivalents, and restricted cash at end of period

$

2,176,204

$

1,922,474

See accompanying notes.

4


Garmin Ltd. and Subsidiaries

Condensed Consolidated Stateme nts of Stockholders’ Equity (Unaudited)

For the 13-Weeks Ended March 29, 2025 and March 30, 2024

(In thousands)

Common
Shares

Additional
Paid-In
Capital

Treasury
Shares

Retained
Earnings

Accumulated
Other
Comprehensive
Income (Loss)

Total

Balance at December 30, 2023

$

19,588

$

2,125,467

$

( 330,909

)

$

5,263,528

$

( 65,614

)

$

7,012,060

Net income

275,961

275,961

Translation adjustment

( 59,055

)

( 59,055

)

Adjustment related to unrealized gains (losses) on available-for-sale securities net of income tax effects of $ 812

2,613

2,613

Comprehensive income

219,519

Dividends

( 214

)

( 214

)

Issuance of treasury shares related to equity awards

( 20,802

)

20,802

Stock compensation

30,719

30,719

Purchase of treasury shares related to equity awards

( 15,987

)

( 15,987

)

Purchase of treasury shares under share repurchase plan, including any associated excise tax

Cancellation of treasury shares

( 98

)

99,173

( 99,075

)

Balance at March 30, 2024

$

19,490

$

2,135,384

$

( 226,921

)

$

5,440,200

$

( 122,056

)

$

7,246,097

Common
Shares

Additional
Paid-In
Capital

Treasury
Shares

Retained
Earnings

Accumulated
Other
Comprehensive
Income (Loss)

Total

Balance at December 28, 2024

$

19,490

$

2,247,484

$

( 270,521

)

$

5,999,183

$

( 147,238

)

$

7,848,398

Net income

332,769

332,769

Translation adjustment

8,680

8,680

Adjustment related to unrealized gains (losses) on available-for-sale securities net of income tax effects of $ 4,173

12,647

12,647

Comprehensive income

354,096

Dividends

( 217

)

( 217

)

Issuance of treasury shares related to equity awards

( 29,288

)

29,288

Stock compensation

37,772

37,772

Purchase of treasury shares related to equity awards

( 33,144

)

( 33,144

)

Purchase of treasury shares under share repurchase plan, including any associated excise tax

( 27,427

)

( 27,427

)

Cancellation of treasury shares

Balance at March 29, 2025

$

19,490

$

2,255,968

$

( 301,804

)

$

6,331,735

$

( 125,911

)

$

8,179,478

See accompanying notes.

5


Garmin Ltd. and Subsidiaries

Notes to Condensed Consolidated Financial Statements (Unaudited)

March 29, 2025

(In thousands, except per share information)

1. Accounting Policies

Basis of Presentation and Principles of Consolidation

The accompanying unaudited condensed consolidated financial statements include the accounts of Garmin Ltd. and its wholly-owned subsidiaries (collectively, we, our, us, the Company or Garmin). Intercompany balances and transactions have been eliminated.

The condensed consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, the condensed consolidated financial statements reflect all adjustments, which are normal and recurring in nature, necessary for fair financial statement presentation. The condensed consolidated balance sheet at December 28, 2024 has been derived from the audited financial statements at that date, but does not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. Additionally, the condensed consolidated financial statements should be read in conjunction with Part I, Item 2, “Management’s Discussion and Analysis of Financial Condition and Results of Operations” of this Form 10-Q, and the Company’s Annual Report on Form 10-K for the year ended December 28, 2024.

The Company's operating results are subject to fluctuations associated with seasonal demand for consumer products, the timing of new product introductions, and original equipment manufacturer (OEM) customer production schedules. Therefore, operating results for the 13-week period ended March 29, 2025 are not necessarily indicative of the results that may be expected for the year ending December 27, 2025.

The Company’s fiscal year is based on a 52- or 53-week period ending on the last Saturday of the calendar year. Therefore, the financial results of certain 53-week fiscal years, and the associated 14-week quarters, will not be exactly comparable to the prior and subsequent 52-week fiscal years and the associated 13-week quarters. The quarters ended March 29, 2025 and March 30, 2024 both contain operating results for 13 weeks.

Significant Accounting Policies

For a description of the significant accounting policies and methods used in the preparation of the Company’s condensed consolidated financial statements, refer to Note 1, “Summary of Significant Accounting Policies” in the Notes to the Consolidated Financial Statements in Part II, Item 8 of the Company’s Annual Report on Form 10-K for the fiscal year ended December 28, 2024. There were no material changes to the Company’s significant accounting policies during the 13-week period ended March 29, 2025 .

6


Recently Adopted Accounting Standards

There are no recently adopted accounting standards that have a material impact on the Company's consolidated financial statements, accounting policies, processes, or systems.

Recently Issued Accounting Pronouncements Not Yet Adopted

Disaggregation of Income Statement Expenses

In November 2024, the Financial Accounting Standards Board issued Accounting Standards Update No. 2024-03, Income Statement–Reporting Comprehensive Income–Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses ("ASU 2024-03"), which requires additional disaggregated disclosures in the notes to financial statements for certain categories of expenses that are included in the expense captions on the face of the statements of income, on an interim and annual basis. ASU 2024-03 is effective for fiscal years beginning after December 15, 2026 and interim reporting periods beginning after December 15, 2027, with early adoption permitted. The amendments may be applied using either a prospective or retrospective approach. The Company is currently evaluating the impact that the updated standard will have on its financial statement disclosures.

2. Revenue

In order to further depict how the nature, amount, timing and uncertainty of the Company's revenue and cash flows are affected by economic factors, we disaggregate revenue (“net sales”) by geographic region, major product category, and pattern of recognition.

Disaggregated revenue by geographic region (Americas, EMEA, and APAC) is presented in Note 11 – Segment Information and Geographic Data. Note 11 also contains disaggregated revenue information of the five major product categories identified by the Company – fitness, outdoor, aviation, marine, and auto OEM.

A large majority of the Company’s sales are recognized on a point in time basis, usually once the product is shipped and title and risk of loss have transferred to the customer. Sales recognized over a period of time are primarily within the outdoor, aviation, and auto OEM segments and relate to performance obligations that are satisfied over the estimated life of the product or contractual service period. Revenue disaggregated by the timing of transfer of the goods or services is presented in the table below:

13-Weeks Ended

March 29, 2025

March 30, 2024

Point in time

$

1,453,353

$

1,306,447

Over time

81,746

75,202

Net sales

$

1,535,099

$

1,381,649

Transaction price and costs associated with the Company’s unsatisfied performance obligations are reflected as deferred revenue and deferred costs, respectively, on the Company’s condensed consolidated balance sheets. Such amounts are recognized ratably over the applicable estimated useful life or contractual service period. Changes in deferred revenue and costs during the 13-week period ended March 29, 2025 are presented below:

7


13-Weeks Ended
March 29, 2025

Deferred
Revenue
(1)

Deferred
Costs
(2)

Balance, beginning of period

$

139,318

$

30,938

Deferrals in period

73,670

13,616

Recognition of deferrals in period

( 81,746

)

( 17,694

)

Balance, end of period

$

131,242

$

26,860

(1) Deferred revenue is comprised of both deferred revenue and noncurrent deferred revenue per the condensed consolidated balance sheets.

(2) Deferred costs are comprised of both deferred costs and noncurrent deferred costs per the condensed consolidated balance sheets .

Of the $ 81,746 of deferred revenue recognized in the 13-week period ended March 29, 2025, approximately $ 37,000 was deferred as of the beginning of the period. Of the $ 131,242 of deferred revenue as of March 29, 2025, the Company expects to recognize approximately 87% ratably over a total period of three years or less.

3. Earnings Per Share

The following table sets forth the computation of basic and diluted net income per share. Stock options, stock appreciation rights, and restricted stock units are collectively referred to as “equity awards”. There were no anti-dilutive equity awards excluded from the calculation of diluted net income per share for either period presented below.

13-Weeks Ended

March 29,
2025

March 30,
2024

Numerator:

Numerator for basic and diluted net income per share – net income

$

332,769

$

275,961

Denominator:

Denominator for basic net income per share – weighted-average common shares

192,544

191,890

Effect of dilutive equity awards

1,173

808

Denominator for diluted net income per share – adjusted weighted-average common shares

193,717

192,698

Basic net income per share

$

1.73

$

1.44

Diluted net income per share

$

1.72

$

1.43

4. Marketable Securities

Accounting Standards Codification Topic 820, Fair Value Measurements and Disclosures , defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (exit price). The accounting guidance classifies the inputs used to measure fair value into the following hierarchy:

Level 1

Unadjusted quoted prices in active markets for the identical asset or liability

Level 2

Observable inputs for the asset or liability, either directly or indirectly, such as quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs other than quoted prices that are observable for the asset or liability

Level 3

Unobservable inputs for the asset or liability

8


The Company endeavors to utilize the best available information in measuring fair value. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. Valuation is based on prices obtained from an independent pricing vendor using both market and income approaches. The primary inputs to the valuation include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, contractual cash flows, benchmark yields, and credit spreads.

The method described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, while the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date.

Marketable securities classified as available-for-sale securities are summarized below:

Available-For-Sale Securities
as of March 29, 2025

Fair Value Level

Amortized Cost

Gross Unrealized
Gains

Gross Unrealized
Losses

Fair Value

U.S. Treasury securities

Level 2

$

5,720

$

44

$

$

5,764

Agency securities

Level 2

51,194

84

( 287

)

50,991

Mortgage-backed securities

Level 2

71,253

252

( 2,862

)

68,643

Corporate debt securities

Level 2

1,333,884

4,470

( 14,797

)

1,323,557

Municipal securities

Level 2

281,305

238

( 7,394

)

274,149

Other

Level 2

2,406

12

( 63

)

2,355

Total

$

1,745,762

$

5,100

$

( 25,403

)

$

1,725,459

Available-For-Sale Securities
as of December 28, 2024

Fair Value Level

Amortized Cost

Gross Unrealized
Gains

Gross Unrealized
Losses

Fair Value

U.S. Treasury securities

Level 2

$

4,930

$

8

$

$

4,938

Agency securities

Level 2

42,236

38

( 477

)

41,797

Mortgage-backed securities

Level 2

43,599

( 4,375

)

39,224

Corporate debt securities

Level 2

1,281,981

1,498

( 23,837

)

1,259,642

Municipal securities

Level 2

281,295

21

( 9,907

)

271,409

Other

Level 2

2,683

1

( 93

)

2,591

Total

$

1,656,724

$

1,566

$

( 38,689

)

$

1,619,601

The primary objectives of the Company’s investment policy are to preserve capital, maintain an acceptable degree of liquidity, and maximize yield within the constraint of low credit risk. The fair value of securities varies from period to period due to changes in interest rates, the performance of the underlying collateral, and the credit performance of the underlying issuer, among other factors.

Accrued interest receivable, which totale d $ 14,946 as of March 29, 2025 , is excluded from both the fair value and amortized cost basis of available-for-sale securities and is included within prepaid expenses and other current assets on the Company’s condensed consolidated balance sheets. The Company writes off impaired accrued interest on a timely basis, generally within 30 days of the due date, by reversing interest income. No accrued interest was written off during the 13-week period ended March 29, 2025.

The Company recognizes impairments relating to credit losses of available-for-sale securities through an allowance for credit losses and other income (expense) on the Company’s condensed consolidated statements of income. Impairment not relating to credit losses is recorded in accumulated other comprehensive income (loss) on the Company’s condensed consolidated balance sheets. The cost of securities sold is based on the specific identification method. Approximately 73 % of securities in the Company’s portfolio were at an unrealized loss position as of March 29, 2025.

9


The following tables display additional information regarding gross unrealized losses and fair value by major security type for available-for-sale securities in an unrealized loss position as of March 29, 2025 and December 28, 2024.

As of March 29, 2025

Less than 12 Consecutive Months

12 Consecutive Months or Longer

Total

Gross Unrealized Losses

Fair Value

Gross Unrealized Losses

Fair Value

Gross Unrealized Losses

Fair Value

Agency securities

$

( 14

)

$

20,226

$

( 273

)

$

6,727

$

( 287

)

$

26,953

Mortgage-backed securities

( 59

)

21,127

( 2,803

)

24,868

( 2,862

)

45,995

Corporate debt securities

( 1,624

)

238,067

( 13,173

)

597,821

( 14,797

)

835,888

Municipal securities

( 70

)

18,992

( 7,324

)

223,300

( 7,394

)

242,292

Other

( 7

)

761

( 56

)

1,132

( 63

)

1,893

Total

$

( 1,774

)

$

299,173

$

( 23,629

)

$

853,848

$

( 25,403

)

$

1,153,021

As of December 28, 2024

Less than 12 Consecutive Months

12 Consecutive Months or Longer

Total

Gross Unrealized Losses

Fair Value

Gross Unrealized Losses

Fair Value

Gross Unrealized Losses

Fair Value

Agency securities

$

( 125

)

$

24,153

$

( 352

)

$

6,647

$

( 477

)

$

30,800

Mortgage-backed securities

( 137

)

9,803

( 4,238

)

29,421

( 4,375

)

39,224

Corporate debt securities

( 4,503

)

350,289

( 19,334

)

667,176

( 23,837

)

1,017,465

Municipal securities

( 228

)

35,001

( 9,679

)

226,901

( 9,907

)

261,902

Other

( 93

)

1,619

( 93

)

1,619

Total

$

( 4,993

)

$

419,246

$

( 33,696

)

$

931,764

$

( 38,689

)

$

1,351,010

As of March 29, 2025 and December 28, 2024 , the Company had no t recognized an allowance for credit losses on any securities in an unrealized loss position.

The Company has no t recorded an allowance for credit losses and charge to other income (expense) for the unrealized losses on agency, mortgage-backed, corporate debt, municipal, and other securities presented above because the Company does not consider the declines in fair value to have resulted from credit losses. The Company has not observed a significant deterioration in credit quality of these securities, which are highly rated with moderate to low credit risk. Declines in value are largely attributable to current global economic conditions. The securities continue to make timely principal and interest payments, and the fair values are expected to recover as they approach maturity. Management does not intend to sell the securities, and it is not more likely than not that the Company will be required to sell the securities, before the respective recoveries of their amortized cost bases, which may be maturity.

The amortized cost and fair value of marketable securities at March 29, 2025, by maturity, are shown below.

Amortized Cost

Fair Value

Due in one year or less

$

505,028

$

498,995

Due after one year through five years

1,223,571

1,211,086

Due after five years through ten years

10,179

9,538

Due after ten years

6,984

5,840

Total

$

1,745,762

$

1,725,459

5. Income Taxes

The Company recorded income tax expense of $ 56,309 in the 13-week period ended March 29, 2025, compared to income tax expense of $ 51,079 in the 13-week period ended March 30, 2024. The effective tax rate was 14.5 % in the first quarter of 2025, compared to 15.6 % in the first quarter of 2024. The decrease in effective tax rate between comparative periods was primarily due to increased tax benefits from stock-based compensation.

10


6. Inventories

The components of inventories consist of the following:

March 29,
2025

December 28, 2024

Raw materials

$

537,539

$

522,210

Work-in-process

230,099

219,294

Finished goods

814,314

732,474

Inventories

$

1,581,952

$

1,473,978

7. Warranty Reserves

The Company accrues for estimated future warranty costs at the time products are sold. The Company’s standard warranty obligation to retail partners generally provides for a right of return of any product for a full refund in the event that such product is not merchantable, is damaged, or is defective. The Company’s standard warranty obligation to its end-users provides for a period of one to two years from the date of shipment, while certain aviation, marine, and auto OEM products have a warranty period of two years or more from the date of installation. The Company’s estimates of costs to service its warranty obligations are based on historical experience and management’s expectations and judgments of future conditions, with most claims resolved within a year of the sale. The following reconciliation presents details of the changes in the Company's accrued warranty costs:

13-Weeks Ended

March 29, 2025

March 30, 2024

Balance - beginning of period

$

62,473

$

55,738

Accrual for products sold (1)

22,084

18,362

Expenditures

( 23,415

)

( 18,881

)

Balance - end of period

$

61,142

$

55,219

(1) Changes in cost estimates related to pre-existing warranties were not material and are aggregated with accruals for new warranty contracts in the ‘accrual for products sold’ line.

8. Commitments and Contingencies

Commitments

The Company is party to certain commitments that require the future purchase of goods or services (“unconditional purchase obligations”). The Company’s unconditional purchase obligations primarily consist of payments for inventory, capital expenditures, and other indirect purchases in connection with conducting its business. The aggregate amount of purchase orders and other commitments open as of March 29, 2025 that may represent noncancelable unconditional purchase obligations having a remaining term in excess of one year was approximately $ 320,000 .

Certain cash balances are held as collateral in relation to bank guarantees. This restricted cash is reported within other assets on the condensed consolidated balance sheets and totaled $ 689 and $ 685 on March 29, 2025 and December 28, 2024, respectively. The total of the cash and cash equivalents balance and the restricted cash reported within other assets in the condensed consolidated balance sheets equals the total cash, cash equivalents, and restricted cash shown in the condensed consolidated statements of cash flows.

Contingencies

Management of the Company currently does not believe it is reasonably possible that the Company may have incurred a material loss, or a material loss in excess of recorded accruals, with respect to loss contingencies in the aggregate, for the fiscal quarter ended March 29, 2025. The results of legal proceedings, investigations and claims, however, cannot be predicted with certainty. An adverse resolution of one or more of such matters in excess of management’s expectations could have a material adverse effect in the particular quarter or fiscal year in which a loss is recorded, but based on information currently known, the Company does not believe it is likely that losses from such matters would have a material adverse effect on the Company’s business or its consolidated financial position, results of operations or cash flows.

11


The Company settled or resolved certain matters during the 13-week period ended March 29, 2025 that did not individually or in the aggregate have a material impact on the Company’s business or its consolidated financial position, results of operations or cash flows.

9. Stockholders' Equity

Dividends

Under Swiss corporate law, dividends must be approved by shareholders at the annual general meeting of the Company’s shareholders. Approved dividends are payable in four equal installments on dates to be determined by the Board of Directors. A reduction of retained earnings and a corresponding liability are recorded at the time of shareholders' approval and are periodically adjusted based on the number of applicable shares outstanding.

The Company's shareholders approved the following dividends:

Approval Date

Dividend Payment Date

Record Date

Dividend Per Share

Fiscal 2024

June 7, 2024

June 28, 2024

June 17, 2024

$

0.75

June 7, 2024

September 27, 2024

September 13, 2024

$

0.75

June 7, 2024

December 27, 2024

December 13, 2024

$

0.75

June 7, 2024

March 28, 2025

March 14, 2025

$

0.75

Total

$

3.00

Fiscal 2023

June 9, 2023

June 30, 2023

June 20, 2023

$

0.73

June 9, 2023

September 29, 2023

September 15, 2023

$

0.73

June 9, 2023

December 29, 2023

December 15, 2023

$

0.73

June 9, 2023

March 29, 2024

March 15, 2024

$

0.73

Total

$

2.92

Share Repurchase Program

On February 16, 2024, the Board of Directors approved a share repurchase program (the “2024 Program”) authorizing the Company to repurchase up to $ 300,000 of the common shares of Garmin Ltd., exclusive of the cost of any associated excise tax. The timing and volume of share repurchases are subject to market conditions, business conditions and applicable laws, and are at management’s discretion. Share repurchases may be made from time to time in the open market or in privately negotiated transactions, including under plans complying with the provisions of Rule 10b5-1 and Rule 10b-18 of the Securities Exchange Act of 1934, as amended. The 2024 Program does not require the purchase of any minimum number of shares and may be suspended or discontinued at any time. The share repurchase authorization expires on December 26, 2026 . As of March 29, 2025, the Company had repurchased 486 s hares for $ 90,195 , leaving $ 209,805 available to repurchase additional shares under the 2024 Program.

Treasury Shares

In March 2024, the Board of Directors authorized the cancellation of 979 shares previously purchased under a share repurchase program. The capital reduction by cancellation of these shares became effective in March 2024. Total stockholders’ equity reported for the Company was not affected.

12


10. Accumulated Other Comprehensive Income (Loss)

The following provides required disclosure of changes in accumulated other comprehensive income (loss) balances by component for the 13-week period ended March 29, 2025:

13-Weeks Ended March 29, 2025

Foreign currency
translation adjustment

Net gains (losses) on available-for-sale securities

Total

Balance - beginning of period

$

( 116,866

)

$

( 30,372

)

$

( 147,238

)

Other comprehensive income (loss) before reclassification, net of income tax expense of $ 4,149

8,680

12,574

21,254

Amounts reclassified from accumulated other comprehensive income (loss) to other income (expense), net of income tax benefit of $ 24 included in income tax provision

73

73

Net current-period other comprehensive income

8,680

12,647

21,327

Balance - end of period

$

( 108,186

)

$

( 17,725

)

$

( 125,911

)

11. Segment Information and Geographic Data

Garmin is organized in the five operating segments of fitness, outdoor, aviation, marine, and auto OEM, which represent the primary markets served by the Company. These operating segments are also the Company's reportable segments.

The Company’s Chief Executive Officer, who has been identified as the Company’s Chief Operating Decision Maker (CODM), primarily uses operating income as the measure of profit or loss to assess segment performance and allocate resources. Operating income represents net sales less costs of goods sold and operating expenses. Net sales are directly attributed to each segment. Most costs of goods sold and the majority of operating expenses are also directly attributed to each segment, while certain other costs of goods sold and operating expenses are allocated to the segments in a reasonable manner considering the specific facts and circumstances of the expenses being allocated. The accounting policies of the segments are the same as those described in Note 1 - Accounting Policies. There are no inter-segment sales or transfers.

The Company’s segments share many common resources, infrastructures and assets in the normal course of business, and certain assets are therefore not separately tracked by segment. Thus, the Company does not report accounts receivable, inventories, property and equipment, intangible assets, capital expenditures, depreciation expense, or amortization expense by segment to the CODM.

The CODM utilizes operating income to assess segment performance and make strategic decisions about the allocation of operating and capital resources by analyzing future opportunities and recent operating income results, trends, and variances of each segment in relation to forecasts and historical performance.

13


Net sales (“revenue”), cost of goods sold, gross profit, significant segment expenses, and operating income for each of the Company’s five reportable segments are presented below.

Fitness

Outdoor

Aviation

Marine

Auto OEM

Total

13-Weeks Ended March 29, 2025

Net sales

$

384,722

$

438,496

$

223,114

$

319,438

$

169,329

$

1,535,099

Cost of goods sold

164,580

155,960

55,212

135,505

139,297

650,554

Gross profit

220,142

282,536

167,902

183,933

30,032

884,545

Research and development expense

50,457

63,063

84,198

43,986

26,416

268,120

Selling, general and administrative expenses

91,973

90,685

35,348

53,082

12,513

283,601

Operating income (loss)

77,712

128,788

48,356

86,865

( 8,897

)

332,824

13-Weeks Ended March 30, 2024

Net sales

$

342,892

$

366,193

$

216,855

$

326,736

$

128,973

$

1,381,649

Cost of goods sold

148,090

123,454

54,229

147,484

106,253

579,510

Gross profit

194,802

242,739

162,626

179,252

22,720

802,139

Research and development expense

43,789

56,671

77,647

39,036

25,392

242,535

Selling, general and administrative expenses

82,880

79,118

32,845

52,524

13,827

261,194

Operating income (loss)

68,133

106,950

52,134

87,692

( 16,499

)

298,410

Net sales to external customers by geographic region for the 13-week period ended March 29, 2025 and March 30, 2024 are presented below. Note that Americas includes North America and South America, EMEA includes Europe, the Middle East and Africa, and APAC includes Asia Pacific and Australian Continent.

13-Weeks Ended

March 29, 2025

March 30, 2024

Americas (1)

$

745,733

$

716,116

EMEA

568,953

463,384

APAC

220,413

202,149

Net sales to external customers

$

1,535,099

$

1,381,649

(1) The United States is the only country which constitutes greater than 10 % of net sales to external customers.

14


Item 2. Management’s Discussion and Analysis o f Financial Condition and Results of Operations

The discussion set forth below, as well as other portions of this Quarterly Report on Form 10-Q, contain statements concerning potential future events. Such forward-looking statements are based upon assumptions by management, as of the date of this Quarterly Report on Form 10-Q, including assumptions about risks and uncertainties faced by the Company. Readers can identify these forward-looking statements by their use of such words as "future", "expects", "anticipates", "believes", “estimates”, “would”, “could”, “can”, “may,” or other similar words or other comparable terms. If any of the Company’s assumptions prove incorrect or should unanticipated circumstances arise, actual results could materially differ from those anticipated by such forward-looking statements. The differences could be caused by a number of factors or combination of factors including, but not limited to, those factors identified in Part II, Item 1A of this Quarterly Report on Form 10-Q and in the Company’s Annual Report on Form 10-K for the year ended December 28, 2024. Readers are strongly encouraged to consider those factors when evaluating any forward-looking statement concerning the Company. These forward-looking statements are made as of the date hereof, and the Company disclaims any obligation to update any forward-looking statements in this Quarterly Report on Form 10-Q to reflect future events or developments, except as required by law.

The information contained in this Management’s Discussion and Analysis of Financial Condition and Results of Operations should be read in conjunction with the Condensed Consolidated Financial Statements and Notes thereto included in this Quarterly Report on Form 10-Q and the audited financial statements and notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 28, 2024. Unless the context otherwise requires, references in this document to "we", "us", "our", the "Company" and similar terms refer to Garmin Ltd. and its subsidiaries.

Unless otherwise indicated, amounts set forth in the discussion below are in thousands.

Company Overview

The Company is a leading worldwide provider of wireless devices, many of which feature location technology such as Global Positioning System (GPS), and applications that are designed for people who live an active lifestyle. We are organized in the five operating segments of fitness, outdoor, aviation, marine, and auto OEM, which represent the primary markets served by the Company. We design, develop, manufacture, market, and distribute a diverse family of GPS-enabled products and other navigation, communications, sensor-based and information products for these markets, as well as products installed by original equipment manufacturers (OEMs) and for aftermarket applications. Our products are sold through a variety of indirect distribution channels, including a large worldwide network of independent retailers, dealers, distributors, installation and repair shops, and OEMs. We also sell our products and services directly through our online webshop (garmin.com), subscriptions for connected services, and our own retail stores.

Business Environment Update

Global economic and geopolitical conditions impact our operations and financial results, although we believe our vertically integrated and diversified business model enables us to be resilient and flexible in a dynamic business environment. Foreign currency fluctuations and rapidly changing global trade policies, particularly those affecting the United States, increase the economic and operational uncertainties that could significantly harm our business and results of operations. During the 13-week period ended March 29, 2025, net sales in the United States of imported fitness, outdoor, and marine products was approximately $400 million. This represented approximately 25% of total net sales, which is generally representative of other recent periods. Refer to Part II, Item 1A, “Risk Factors” of this Quarterly Report for further discussion of the risks and uncertainties facing our Company.

15


Results of Operations

The following tables and discussion provides an analysis of our results of operations for the first quarter of 2025 compared to the first quarter of 2024.

Comparison of 13-Weeks Ended March 29, 2025 and March 30, 2024

Net Sales

Net Sales

13-Weeks Ended
March 29, 2025

Year-over-Year Change

13-Weeks Ended
March 30, 2024

Fitness

$

384,722

12

%

$

342,892

Percentage of Total Net Sales

25

%

25

%

Outdoor

438,496

20

%

366,193

Percentage of Total Net Sales

29

%

26

%

Aviation

223,114

3

%

216,855

Percentage of Total Net Sales

14

%

16

%

Marine

319,438

(2

%)

326,736

Percentage of Total Net Sales

21

%

24

%

Auto OEM

169,329

31

%

128,973

Percentage of Total Net Sales

11

%

9

%

Total

$

1,535,099

11

%

$

1,381,649

Net sales increased 11% for the 13-week period ended March 29, 2025 when compared to the year-ago quarter. Total unit sales in the first quarter of 2025 increased to 4,362 when compared to total unit sales of 3,890 in the first quarter of 2024, which differs from the percent increase in revenue primarily due to shifts in segment and product mix. Outdoor was the largest portion of our revenue mix at 29% in the first quarter of 2025 compared to 26% in the first quarter of 2024.

The increase in fitness revenue was driven by strong demand for advanced wearables. Outdoor revenue increased primarily due to sales growth in adventure watches. The increase in aviation revenue was driven by sales growth in OEM product categories. Auto OEM revenue increased primarily due to growth in domain controllers. Marine revenue decreased primarily due to the timing of promotions, which contributed to the declines across multiple product categories.

Gross Profit

Gross Profit

13-Weeks Ended
March 29, 2025

Year-over-Year Change

13-Weeks Ended
March 30, 2024

Fitness

$

220,142

13

%

$

194,802

Percentage of Segment Net Sales

57

%

57

%

Outdoor

282,536

16

%

242,739

Percentage of Segment Net Sales

64

%

66

%

Aviation

167,902

3

%

162,626

Percentage of Segment Net Sales

75

%

75

%

Marine

183,933

3

%

179,252

Percentage of Segment Net Sales

58

%

55

%

Auto OEM

30,032

32

%

22,720

Percentage of Segment Net Sales

18

%

18

%

Total

$

884,545

10

%

$

802,139

Percentage of Total Net Sales

58

%

58

%

Gross profit dollars in the first quarter of 2025 increased 10%, primarily due to the increase in net sales when compared to the year-ago quarter, as described above. Consolidated gross margin was relatively flat when compared to the year-ago quarter.

The marine gross margin increase of 270 basis points was primarily attributable to lower costs of goods and favorable product mix. Gross margin remained relatively flat within the fitness, aviation, and auto OEM segments when compared to the year-ago quarter. The outdoor gross margin decrease of 190 basis points was primarily attributable to certain higher costs of goods.

16


Operating Expense

Operating Expense

13-Weeks Ended
March 29, 2025

Year-over-Year Change

13-Weeks Ended
March 30, 2024

Research and development expense

268,120

11

%

242,535

Percentage of Total Net Sales

17

%

18

%

Selling, general and administrative expenses

283,601

9

%

261,194

Percentage of Total Net Sales

18

%

19

%

Total

$

551,721

10

%

$

503,729

Percentage of Total Net Sales

36

%

36

%

Total operating expense in the first quarter of 2025 increased 10% in absolute dollars and was relatively flat as a percent of revenue when compared to the year-ago quarter.

Research and development expense increased 11% in absolute dollars and was relatively flat as a percent of revenue when compared to the year-ago quarter. The absolute dollar expense increase was primarily due to higher engineering personnel costs.

Selling, general and administrative expenses increased 9% in absolute dollars and was relatively flat as a percent of revenue when compared to the year-ago quarter. The absolute dollar expense increase was primarily attributable to increased personnel-related expenses.

Operating Income

Operating Income (Loss)

13-Weeks Ended
March 29, 2025

Year-over-Year Change

13-Weeks Ended
March 30, 2024

Fitness

$

77,712

14

%

$

68,133

Percentage of Segment Net Sales

20

%

20

%

Outdoor

128,788

20

%

106,950

Percentage of Segment Net Sales

29

%

29

%

Aviation

48,356

(7

%)

52,134

Percentage of Segment Net Sales

22

%

24

%

Marine

86,865

(1

%)

87,692

Percentage of Segment Net Sales

27

%

27

%

Auto OEM

(8,897

)

NM

(16,499

)

Percentage of Segment Net Sales

(5

%)

(13

%)

Total

$

332,824

12

%

$

298,410

Percentage of Total Net Sales

22

%

22

%

NM - Represents that the percentage change is not meaningful.

Total operating income in the first quarter of 2025 increased 12% in absolute dollars and was relatively flat as a percent of revenue when compared to the year-ago quarter. The increase in operating income was driven by increased sales, while maintaining relatively consistent consolidated gross margin and operating expenses as a percent of revenue, as described above. The improved performance in fitness, outdoor, and auto OEM was partially offset by a decrease in aviation and marine.

Other Income (Expense)

Other Income (Expense)

13-Weeks Ended
March 29, 2025

13-Weeks Ended
March 30, 2024

Interest income

$

30,507

$

25,027

Foreign currency gains

24,760

2,282

Other income

987

1,321

Total

$

56,254

$

28,630

The average interest rate return on cash and investments during the first quarter of 2025 was 3.2%, compared to 3.1% during the same quarter of 2024.

17


Foreign currency gains and losses for the Company are driven by movements of a number of currencies in relation to the U.S. Dollar. The Taiwan Dollar is the functional currency of Garmin Corporation, the Euro is the functional currency of several subsidiaries, and the U.S. Dollar is the functional currency of Garmin (Europe) Ltd., although some transactions and balances are denominated in British Pounds. Other notable currency exposures include the Australian Dollar, and Polish Zloty. The majority of the Company’s consolidated foreign currency gain or loss is typically driven by the significant cash and marketable securities, receivables and payables held in a currency other than the functional currency at a given legal entity.

The $24.8 million currency gain recognized in the first quarter of 2025 was primarily due to the U.S. Dollar weakening against the Euro and Polish Zloty, and strengthening against the Taiwan Dollar, within the 13-week period ended March 29, 2025. During this period, the U.S. Dollar weakened 3.8% against the Euro, 5.6% against the Polish Zloty, and strengthened 1.1% against the Taiwan Dollar, resulting in gains of $12.6 million, $3.2 million, and $6.0 million, respectively. The remaining net currency gain of $3.0 million was related to the impacts of other currencies, each of which was individually immaterial.

The $2.3 million currency gain recognized in the first quarter of 2024 was primarily due to the U.S. Dollar strengthening against the Taiwan Dollar, partially offset by the U.S. Dollar strengthening against the Polish Zloty, Australian Dollar, and Euro within the 13-week period ended March 30, 2024. During this period, the U.S. Dollar strengthened 3.9% against the Taiwan Dollar, resulting in a gain of $21.6 million, while the U.S. Dollar strengthened 1.8% against the Polish Zloty, 4.6% against the Australian Dollar, and 2.2% against the Euro, resulting in losses of $6.8 million, $3.3 million, and $3.0 million, respectively. The remaining net currency loss of $6.2 million was related to the impacts of other currencies, each of which was individually immaterial.

Income Tax Provision

The Company recorded income tax expense of $56.3 million in the 13-week period ended March 29, 2025, compared to income tax expense of $51.1 million in the 13-week period ended March 30, 2024. The effective tax rate was 14.5% in the first quarter of 2025, compared to 15.6% in the first quarter of 2024. The decrease in effective tax rate between comparative periods was primarily due to increased tax benefits from stock-based compensation.

Net Income

As a result of the above, net income for the 13-week period ended March 29, 2025 was $332.8 million compared to $276.0 million for the 13-week period ended March 30, 2024, an increase of $56.8 million.

Liquidity and Capital Resources

We primarily use cash flow from operations, and expect that future cash requirements may be used, to fund our capital expenditures, support our working capital requirements, pay dividends, fund share repurchases, and fund strategic acquisitions. We believe that our existing cash balances and cash flow from operations will be sufficient to meet our short- and long-term projected working capital needs, capital expenditures, and other cash requirements.

Cash, Cash Equivalents, and Marketable Securities

As of March 29, 2025, we had approximately $3.9 billion of cash, cash equivalents and marketable securities. Management invests idle or surplus cash in accordance with the Company's investment policy, which has been approved by the Company’s Board of Directors. The investment policy’s primary objectives are to preserve capital, maintain an acceptable degree of liquidity, and maximize yield within the constraint of low credit risk. Garmin’s average interest rate returns on cash and investments during the first quarters of 2025 and 2024 were 3.2% and 3.1%, respectively. The fair value of our securities varies from period to period due to changes in interest rates, the performance of the underlying collateral, and the credit performance of the underlying issuer, among other factors. See Note 4 in the Notes to the Condensed Consolidated Financial Statements for additional information regarding marketable securities.

Cash Flows

Cash provided by operating activities totaled $420.8 million for the first quarter of 2025, compared to $435.3 million for the first quarter of 2024. The increase in cash received from customers primarily driven by higher net sales was offset by increases in cash paid for cost of goods sold and operating expenses, an increase in cash paid for taxes, and a strategic increase in inventory on hand, resulting in relatively flat cash provided by operating activities in the first quarter of 2025 compared to the first quarter of 2024.

18


Cash used in investing activities totaled $132.6 million for the first quarter of 2025, compared to $36.9 million for the first quarter of 2024. The increase was primarily due to an increase in net purchases of marketable securities in the first quarter of 2025 compared to the first quarter of 2024.

Cash used in financing activities totaled $204.8 million for the first quarter of 2025, compared to $156.2 million for the first quarter of 2024. This increase was primarily due to higher purchases of treasury shares under the share repurchase plan and an increase in the purchase of treasury shares related to equity awards in the first quarter of 2025 compared to the first quarter of 2024.

Use of Cash

Operating Leases

The Company has lease arrangements for certain real estate properties, vehicles, and equipment. Leased properties are typically used for office space, distribution, and retail. As of March 29, 2025, the Company had fixed lease payment obligations of $202.0 million, with $38.2 million payable within 12 months.

Inventory Purchase Obligations

The Company obtains various raw materials and components for its products from a variety of third party suppliers. The Company’s inventory purchase obligations are primarily noncancelable. As of March 29, 2025, the Company had inventory purchase obligations of $947.1 million, with $774.1 million payable within 12 months.

Other Purchase Obligations

The Company’s other purchase obligations primarily consist of noncancelable commitments for capital expenditures and other indirect purchases in connection with conducting our business. As of March 29, 2025, the Company had other purchase obligations of $434.1 million, with $259.3 million payable within 12 months.

Critical Accounting Policies and Estimates

General

Our discussion and analysis of financial condition and results of operations are based upon the Company’s condensed consolidated financial statements, which have been prepared in accordance with accounting principles generally accepted in the United States. The presentation of these financial statements requires management to make estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses, and related disclosure of contingent assets and liabilities. On an on-going basis, we evaluate our estimates, including those related to customer sales programs and incentives, product returns, bad debts, inventories, investments, intangible assets, income taxes, warranty obligations, and contingencies and litigation. We base our estimates on historical experience and various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying value of assets and liabilities that are not readily apparent from other sources. Actual results may differ from these estimates under different assumptions or conditions.

For a description of the significant accounting policies and methods used in the preparation of the Company’s condensed consolidated financial statements, refer to Note 1, “Summary of Significant Accounting Policies” in the Notes to the Consolidated Financial Statements in Part II, Item 8 and “Critical Accounting Policies and Estimates” in Part II, Item 7 of the Company’s Annual Report on Form 10-K for the fiscal year ended December 28, 2024. There were no significant changes to the Company’s critical accounting policies and estimates in the 13-week period ended March 29, 2025.

19


Item 3. Quantitative and Qualitat ive Disclosures About Market Risk

There are numerous market risks that can affect our future business, financial condition and results of operations. In addition to the other information set forth in this report, you should carefully consider the factors discussed in Part II, Item 7A, "Quantitative and Qualitative Disclosures About Market Risk” in our Annual Report on Form 10-K for the fiscal year ended December 28, 2024. There have been no material changes during the 13-week period ended March 29, 2025 in the risks described in our Annual Report on Form 10-K related to market sensitivity, inflation, foreign currency exchange rate risk and interest rate risk.

Item 4. Controls and Procedures

(a) Evaluation of disclosure controls and procedures. The Company maintains a system of disclosure controls and procedures that are designed to provide reasonable assurance that information, which is required to be timely disclosed, is accumulated and communicated to management in a timely fashion. A control system, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control system are met. As of March 29, 2025, the Company carried out an evaluation, under the supervision and with the participation of the Company’s management, including the Company’s Chief Executive Officer and Chief Financial Officer, of the effectiveness of the Company’s disclosure controls and procedures. Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded as of March 29, 2025 that our disclosure controls and procedures were effective such that the information relating to the Company, required to be disclosed in our Securities and Exchange Commission (SEC) reports (i) is recorded, processed, summarized and reported within the time periods specified in SEC rules and forms, and (ii) is accumulated and communicated to the Company’s management, including our Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.

(b) Changes in internal control over financial reporting . There has been no change in the Company’s internal controls over financial reporting that occurred during the Company’s fiscal quarter ended March 29, 2025 that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

20


Part II - Othe r Information

In the normal course of business, the Company and its subsidiaries are parties to various legal claims, actions, and complaints, including matters involving patent infringement, other intellectual property, product liability, customer claims and various other risks. It is not possible to predict with certainty whether or not the Company and its subsidiaries will ultimately be successful in any of these legal matters, or if not, what the impact might be. However, the Company’s management does not expect that the results in any of these legal proceedings will have a material adverse effect on the Company’s business, results of operations, financial position or cash flows. For additional information, see Note 8, "Commitments and Contingencies" in the above Condensed Consolidated Financial Statements and Part I, Item 3, “Legal Proceedings” in the Company’s Annual Report on Form 10-K for the fiscal year ended December 28, 2024.

Item 1A. Ri sk Factors

There are many risks and uncertainties that can affect our future business, financial performance or share price. In addition to the other information set forth in this report, you should carefully consider the factors discussed in Part I, Item 1A, “Risk Factors” in our Annual Report on Form 10-K for the fiscal year ended December 28, 2024, as supplemented by the risk factor set forth below. These risks, however, are not the only risks facing our Company. Additional risks and uncertainties, including those not currently known to us or that we currently deem to be immaterial, also may materially adversely affect our business, financial condition and/or operating results.

The following is an amended and restated version of a risk factor included in "Item 1A. Risk Factors" of our Annual Report on Form 10-K for the year ended December 28, 2024:

Changes to trade regulations, including trade restrictions, such as tariffs, duties, and sanctions, could significantly harm our results of operations.

The rapidly evolving international trade environment has created economic and operational uncertainties that could significantly harm our business and results of operations.

Certain of the goods we import are subject to tariffs and duties imposed by customs authorities of the jurisdictions into which they are imported. We manufacture our products in, and source goods from, multiple jurisdictions, such as Taiwan and China among others. New or increased tariffs, duties, or other trade restrictions that are imposed on the import of goods from certain jurisdictions in which we produce products, or from which we source goods, could have a substantial adverse effect on our business and financial results.

Additionally, tariffs and duties are often based on the classifications of the goods imported, which are routinely subject to review by customs authorities. We are unable to predict whether those authorities will change the determination of the classifications of any of our imports. Any such changes could result in increased tariffs or duties, or other restrictions on our importation of goods. The imposition of and our response to new or enhanced trade restrictions on imports or exports, or any selective or inconsistent application relating to trade restrictions, could result in a substantial adverse effect on our business, competitive position, results of operations, and financial condition.

21


Item 2. Unregistered Sales of Equi ty Securities and Use of Proceeds

Issuer Purchases of Equity Securities

Share repurchase activity during the 13-week period ended March 29, 2025, summarized on a trade-date basis, was as follows (in thousands, except per share amounts):

Period

Total Number of Shares Purchased (1)

Average Price Paid Per Share (2)

Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs

Approximate Dollar Value of Shares That May Yet Be Purchased Under the Program

December 29, 2024 - January 25, 2025

34

$

211.10

34

$

230,055

January 26, 2025 - February 22, 2025

36

$

217.35

36

$

222,231

February 23, 2025 - March 29, 2025

59

$

212.40

59

$

209,805

Total

129

129

(1) The Board of Directors approved a share repurchase program on February 16, 2024 (the "2024 Program"), which was announced on February 21, 2024. The 2024 Program authorizes the Company to purchase up to $300 million of its common shares, exclusive of the cost of any associated excise tax. Share repurchases may be made in the open market or in privately negotiated transactions, including under plans complying with the provisions of Rule 10b5-1 and Rule 10b-18 of the Securities Exchange Act of 1934, as amended. The timing and volume of share repurchases are subject to market conditions, business conditions and applicable laws, and are at management’s discretion. The 2024 Program does not require the purchase of any minimum number of shares and may be suspended or discontinued at any time. The 2024 Program expires on December 26, 2026. Refer to Note 9 in the Notes to the Condensed Consolidated Financial Statements for additional information related to share repurchases.

(2) Average price paid per share includes costs associated with the repurchases, except for the cost of any associated excise tax.

Item 3. Defaults Upo n Senior Securities

None.

Item 4. Mine Saf ety Disclosures

Not applicable.

Item 5. Other Information

(c) Trading Plans

During the 13-week period ended March 29, 2025 , no directors or officers (as defined in Rule 16a-1(f) of the Securities Exchange Act of 1934) of the Company adopted or terminated any “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K, except as follows:

On February 28, 2025 , Clifton Pemble , President and Chief Executive Officer , adopted a new written trading plan intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act for the potential sale of up to (i) 7,899 shares of our common shares, and (ii) 100% of the net shares (net of tax withholding) resulting from the maximum potential vesting of 53,464 gross shares of our common shares relating to equity awards during the plan period, subject to certain conditions. The first trade date will not occur until June 16, 2025 at the earliest, and the plan's maximum duration is until March 6, 2026 .
On March 3, 2025 , Douglas Boessen , Chief Financial Officer and Treasurer , adopted a new written trading plan intended to satisfy the affirmative defense conditions of Rule 10b5-1 (c) under the Exchange Act for the potential sale of up to (i) 2,338 shares of our common shares, and (ii) 100% of the net shares (net of tax withholding) resulting from the maximum potential vesting of 10,685 gross shares of our common shares relating to equity awards during the plan period, subject to certain conditions. The first trade date will not occur until June 9, 2025 at the earliest, and the plan's maximum duration is until March 4, 2026 .

22


Item 6. Exhibits

Exhibit 3.1

Articles of Association of Garmin Ltd., as amended and restated on June 7, 2024 (incorporated by reference to Exhibit 10.2 of the Registrant’s Current Report on Form 8-K filed on June 11, 2024).

Exhibit 3.2

Organizational Regulations of Garmin Ltd., as amended on October 25, 2019 (incorporated by reference to Exhibit 3.2 of the Registrant’s Amendment No.1 to Current Report on Form 8-K/A filed on November 21, 2019).

Exhibit 31.1‡

Certification of Chief Executive Officer pursuant to Exchange Act Rule 13a-14(a) or 15d-14(a).

Exhibit 31.2‡

Certification of Chief Financial Officer pursuant to Exchange Act Rule 13a-14(a) or 15d-14(a).

Exhibit 32.1†

Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Exhibit 32.2†

Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Exhibit 101.INS‡

Inline XBRL Instance Document – the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.

Exhibit 101.SCH‡

Inline XBRL Taxonomy Extension Schema With Embedded Linkbase Documents

Exhibit 104‡

Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)

* Management contract or compensatory plan or arrangement pursuant to 601(b)(10)(iii)(A) of Regulation S-K.

‡ Filed herewith.

† Furnished herewith.

23


SIGNA TURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

GARMIN LTD.

By

/s/ Douglas G. Boessen

Douglas G. Boessen

Chief Financial Officer

(Principal Financial Officer and

Principal Accounting Officer)

Dated: April 30, 2025

24


TABLE OF CONTENTS
Part I - Financial InformationItem I - Condensed Consolidated Financial StatementsItem 2. Management S Discussion and Analysis Of Financial Condition and Results Of OperationsItem 2. Management S Discussion and Analysis OItem 3. Quantitative and Qualitative Disclosures About Market RiskItem 3. Quantitative and QualitatItem 4. Controls and ProceduresItem 4. ControlsPart II - Other InformationPart II - OtheItem 1. Legal ProceedingsItem 1. LegalItem 1A. Risk FactorsItem 1A. RiItem 2. Unregistered Sales Of Equity Securities and Use Of ProceedsItem 2. Unregistered Sales Of EquiItem 3. Defaults Upon Senior SecuritiesItem 3. Defaults UpoItem 4. Mine Safety DisclosuresItem 4. Mine SafItem 5. Other InformationItem 5. OtherItem 6. Exhibits

Exhibits

Exhibit 3.1 Articles of Association of Garmin Ltd., as amended and restated on June 7, 2024 (incorporated by reference to Exhibit 10.2 of the Registrants Current Report on Form 8-K filed on June 11, 2024). Exhibit 3.2 Organizational Regulations of Garmin Ltd., as amended on October 25, 2019 (incorporated by reference to Exhibit 3.2 of the Registrants Amendment No.1 to Current Report on Form 8-K/A filed on November 21, 2019). Exhibit 31.1 Certification of Chief Executive Officer pursuant to Exchange Act Rule 13a-14(a) or 15d-14(a). Exhibit 31.2 Certification of Chief Financial Officer pursuant to Exchange Act Rule 13a-14(a) or 15d-14(a). Exhibit 32.1 Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. Exhibit 32.2 Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.