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Company Analysis

Hagerty, Inc. HGTY

A comprehensive view of key metrics, scores, and financial health for Hagerty, Inc.

Overview of Hagerty, Inc.

HGTY NYQ
Financial Services Insurance - Property & Casualty Small Cap
Hagerty, Inc. (HGTY), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $10.67, about 94.1% overvalued vs fair value, +21.1% 1Y return, ranked 497/1037 in sector.
Metrics Rev Growth 22.2% ROE 69.5% Gross Margin 81.9% Div Yield 0.41%
$10.67
-0.47%
As of April 28, 2026
Previous close • Vol 90d: 31.8%
52-Week Range
Market Cap
$1.08B
Enterprise Value
$997.39M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.hagerty.com
HQ Traverse City, MI
Employees 1,733
Fiscal year Dec 31

Next Events

Earnings May 6 Estimated

Fair Value Snapshot

Bear Base Bull
$0
$1
$1
Current: $10.67 -94% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.5B
22.2%%
Claims & Losses
$-263.6M
-56.1%%
Acquisition & Admin Expenses
$-494.5M
Underwriting Result
$1.1B
1072.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
18.1%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$11.2M
8.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
2
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Hagerty, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing HGTY's balance between Growth (43.0%), Profitability (34.1%), and Safety (22.9%). Growth 43% Safety 23% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

83th percentile vs peers
83
Key Signals
Rev Growth YoY 22.2% 84p Revenue CAGR 3Y 20.6% 75p Equity Growth YoY 62.2% 93p EPS Growth YoY 2.35 78p Asset Growth YoY 22.5% 91p
Strengths
  • Growth performance in top 20% of peers (percentile: 83)
  • Rev Growth YoY in top 20% of peers (22.2%, 84th percentile)
  • Equity Growth YoY in top 20% of peers (62.2%, 93th percentile)
  • ROE in top 20% of peers (69.5%, 97th percentile)
  • Operating Margin in top 20% of peers (75.4%, 95th percentile)
Risks

No significant risks identified for this axis.

Profitability

66th percentile vs peers
66
Key Signals
Strengths
Risks
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Safety

44th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hagerty, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$0.63
- - -
-94.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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