Hagerty, Inc. HGTY FINANCIAL
Company Overview
Hagerty, Inc. provides insurance services for collector cars and enthusiast vehicles in the United States, Canada, and the United Kingdom. It operates through Insurance and Marketplace segments. The company operates as a managing general agent that underwrites, sells, and services collector car and enthusiast vehicle insurance policies. It also provides Hagerty Drivers Club memberships, which are bundled with insurance policies and give subscribers access to an array of products and services, such as emergency roadside assistance, the Hagerty Drivers Club magazine, special access to automotive enthusiast events, a proprietary vehicle valuation tool, and special vehicle-related discounts; and reinsurance services. In addition, the company offers marketplace services comprising live auctions, online sale platforms, and brokered private sales services where automotive collectors and enthusiasts can buy, sell, and finance collector cars. The company was founded in 1984 and is headquartered in Traverse City, Michigan. Hagerty, Inc. is a subsidiary of Hagerty Holding Corp.
Why Investors Should Care
Net profit has compounded at 77.6% per year over the last five years.
Revenue has grown at a 19.4% CAGR over the past five years.
Operating margin of 18.4% supports profitability.
Carries low leverage with a debt-to-equity ratio of 0.35.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $677.63M (+23.5% YoY).
- Trailing 12 Months Year-on-year growth — revenue -6.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 19.4%, profit CAGR 77.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 19.42% |
| 1 Year: | -6.50% |
Compounded Profit Growth
| 5 Years: | 77.64% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +18.11% |
| 6 Months: | +34.24% |
| 3 Months: | +30.69% |
| 1 Month: | -1.76% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.88 · Neutral
P/E of 102.85 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 19.4% over 5 years.
- Profit CAGR of 77.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Trading at a high P/E of 102.8.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | HGTY Hagerty, Inc. FINANCIAL | 13.37 | 102.85 | $1.49B | 0.00% | 5.64% | 8.92% | 19.42% | 77.64% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | 65.97M | 96.97M | 89.39M | - | 78.68M | 111.92M | 109.27M | 101.12M | 133.76M | 135.79M | 118.50M | 153.44M | 155.46M | 148.39M | 188.46M | 189.99M | 61.09M | 80.83M |
| Operating Income | -4.17M | 17.44M | 12.65M | -10.07M | -5.10M | 14.27M | 1.76M | -21.01M | -13.00M | 2.39M | -21.22M | -16.49M | 17.25M | 16.12M | 12.22M | 38.07M | 10.09M | 25.73M | 47.70M | 34.32M | - | - |
| Net Income | - | - | - | - | -6.81M | 12.59M | -479.00K | - | 27.51M | -5.54M | 14.71M | -2.10M | 2.40M | - | - | - | - | - | - | - | - | - |
| Diluted EPS | - | - | - | - | -68.06 | 125.94 | -4.79 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | 279.05M | 323.25M | 383.69M | 464.27M | 548.63M | 677.63M |
| Operating Income | 15.85M | -10.07M | -67.57M | 10.41M | 66.42M | - |
| Net Income | 10.17M | -46.36M | 32.08M | - | - | - |
| Diluted EPS | 101.66 | -0.56 | - | - | - | - |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Total Assets | 610.71M | 1.04B | 1.31B | 1.59B | 1.71B | 2.09B |
| Total Equity | 117.32M | -323.78M | 59.25M | 92.70M | 150.32M | 221.32M |
| Cash & Equivalents | 38.11M | 275.33M | 95.17M | 108.33M | 104.78M | 160.18M |
| Long Term Debt | 69.00M | 135.50M | 108.28M | 130.68M | 105.76M | 177.91M |
| Total Liabilities | 493.39M | 771.07M | 945.15M | 1.09B | 1.10B | 1.35B |
| Current Liabilities | 384.75M | 495.82M | 667.36M | 842.30M | 915.45M | - |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 84.57M | 42.28M | 55.33M | 133.71M | 177.02M | 218.99M |
| Investing Cash Flow | -47.39M | -68.99M | -91.52M | -52.65M | -618.56M | -185.20M |
| Financing Cash Flow | 39.95M | 332.07M | -28.08M | 103.16M | -46.92M | 29.93M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - |
| Operating Margin % | 5.7% | -3.1% | -17.6% | 2.2% | 12.1% | - |
| Net Margin % | 3.6% | -14.3% | 8.4% | - | - | - |
| ROE % | 8.7% | 14.3% | 54.1% | - | - | - |
| ROCE % | 7.0% | -1.8% | -10.5% | 1.4% | 8.4% | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | State Farm Mutual Automobile Insurance Co | 50.75% | 51.80M | $722.09M |
| 2 | Neuberger Berman Group, LLC | 9.34% | 9.53M | $132.83M |
| 3 | T. Rowe Price Investment Management, Inc. | 5.97% | 6.09M | $84.88M |
| 4 | Polar Capital Holdings PLC | 5.88% | 6.00M | $83.64M |
| 5 | Pembroke Management, LTD | 3.34% | 3.41M | $47.48M |
| 6 | Markel Group Inc | 3.04% | 3.11M | $43.33M |
| 7 | Vanguard Capital Management LLC | 1.89% | 1.93M | $26.88M |
| 8 | Greenhaven Road Investment Management, L.p. | 1.83% | 1.87M | $26.00M |
| 9 | Vanguard Portfolio Management LLC | 1.62% | 1.65M | $23.01M |
| 10 | Lincoln Capital LLC | 0.95% | 973.65K | $13.57M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for HGTY
Hagerty (HGTY) Stock Looks Pricey On Earnings Despite A 42% Gain - finance.yahoo.com
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Hagerty, Inc. (NYSE:HGTY) Receives Consensus Rating of "Moderate Buy" from Analysts - marketbeat.com
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A Ferrari LaFerrari heads to auction with no minimum price - Stock Titan
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HGTY - Finviz
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HAGERTY ($HGTY) Releases Q2 2026 Earnings - Quiver Quantitative
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Trading the Move, Not the Narrative: (HGTY) Edition - Stock Traders Daily
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HGTY — Frequently Asked Questions
What is the current share price of Hagerty, Inc. (HGTY)?
As of 2026-09-19 21:16 PDT, Hagerty, Inc. (HGTY) trades at $13.37 on NYSE. Its 52-week range is $9.67 to $13.82.
What is the market capitalisation of HGTY?
Hagerty, Inc. (HGTY) has a market capitalisation of $1.49B on NYSE.
What is the P/E ratio of HGTY?
HGTY trades at a trailing price-to-earnings (P/E) ratio of 102.85. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 6.59.
What is the return on equity (ROE) of HGTY?
HGTY has a return on equity (ROE) of 8.92%. Its return on capital employed (ROCE) is 5.64%.
Is HGTY a good stock to buy?
This page provides a data-driven analysis of Hagerty, Inc. (HGTY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.