Hagerty, Inc. (HGTY)

NYSE: HGTY · USD

$15.4

-0.15 (-1.0%)· Recorded snapshot

Market cap	5.3B
Revenue (ttm)	1.4B
Net income (ttm)	16M
EPS (ttm)	$0.16
Shares out	343.6M
P/E (trailing)	96.4x
P/E (forward)	39.2x
Volume	283,063
Beta	0.83

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.4B
Net income (ttm): 16M
EPS (ttm): $0.16
P/E (trailing): 96.4x
P/E (forward): 39.2x
Market cap: 5.3B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra fuerte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra fuerte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantener

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E39.2

P25 n/aP50 n/aP75 n/a

Trailing P/E96.4

P25 n/aP50 n/aP75 n/a

ROE8.9

P25 n/aP50 n/aP75 n/a

ROIC3,275.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All HGTY indicators

Market & fundamental data

Available fields

248

Groups with data

Currency

USD

Showing 248 of 248 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001840776
Company name	Hagerty, Inc.
Country	United States
Country code	US
CUSIP number	405166109
Earnings date	2026-11-03
Earnings time	bmo
Employees	1,891
Employees change	147
Employees growth	8.43%
Enterprise value	$4.5B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1984
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	US4051661092
Last 10-K release date	2026-02-26
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$5.3B
Market cap category	Mid-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$15.42
Price currency	USD
Sector	Financials
SIC code	6411
Stock price date	2026-10-28
Symbol	HGTY
U.S. state	Michigan
Website	https://www.hagerty.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	102.8x
Average P/E ratio (3Y)	51.14x
Average P/E ratio (5Y)	68.17x
Earnings yield	1.04%
EV/Earnings	280.29x
EV/EBIT	23.65x
EV/EBITDA	19.65x
EV/FCF	16.09x
EV/Sales	3.17x
FCF / EV yield	6.21%
FCF yield	5.28%
Forward EV/Sales	3.16x
Forward P/E	39.24x
Forward P/S	3.72x
Graham number	2.76032
Graham upside	-82.03%
Industry forward P/E	12.55x
Industry P/E	10.1x
Lynch fair value	$4.00
Lynch upside	-73.96%
P/(FCF - SBC) ratio	20.35x
P/(OCF - SBC) ratio	18.3x
P/B ratio	7.36x
P/E ratio	96.37x
P/FCF ratio	18.95x
P/OCF ratio	17.17x
P/S ratio	3.73x
Price / tangible book value	439.47x
Price/EBITDA ratio	23.14x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	13.39%
EBITDA margin	16.12%
FCF margin	19.68%
Gross margin	56.81%
Operating margin	13.39%
Pretax margin	1.88%
Profit margin	1.25%
Profit per employee	$8,455
Profitable years	4
Revenue per employee	$748,491
ROA	5.65%
ROA (5Y)	1.76%
ROCE	17.54%
ROE	8.92%
ROE (5Y)	1.72%
ROIC	3,275.13%
ROIC (5Y)	77.8%
SBC / revenue	1.35%
Tax / revenue	-2.52%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-21.48%
EPS growth 5Y	-68.6%
EPS growth years	4
FCF growth	111.74%
FCF growth (Q)	238.74%
FCF growth (QoQ)	1,792.78%
FCF growth 3Y	118.07%
FCF growth 5Y	49.49%
Gross profit growth	-14.34%
Gross profit growth (Q)	-19.73%
Gross profit growth 3Y	19.11%
Gross profit growth 5Y	21.92%
Net income growth	9.43%
Net income growth 3Y	15.37%
Net income growth 5Y	25%
Net income growth years	1
OCF growth	101.62%
OCF growth (Q)	215.31%
OCF growth (QoQ)	945.37%
OCF growth 3Y	67.04%
OCF growth 5Y	30.53%
Operating income growth	23.89%
Operating income growth (Q)	9.53%
Operating income growth 5Y	74.38%
Revenue growth	3.75%
Revenue growth (Q)	-6.46%
Revenue growth (QoQ)	13.79%
Revenue growth 3Y	16.58%
Revenue growth 5Y	20.64%
Revenue growth years	7

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-28.9M
Depreciation and amortization	$38.6M
EBIT	$189.5M
EBITDA	$228.1M
EPS	$0.16
FCF per share	$0.81
Financing cash flow	$65.8M
Free cash flow	$278.5M
Free cash flow minus SBC	$259.4M
Gross profit	$804.1M
Income taxes	$-35.7M
Investing cash flow	$-236.1M
Net borrowing	$40.5M
Net cash flow	$137M
Net income	$16M
Operating cash flow minus SBC	$288.3M
Operating income	$189.5M
Revenue	$1.4B
Stock-based compensation	$19.1M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	1.43
Book value per share	$2.12
Debt / EBITDA	1.08
Debt / equity	0.35
Debt / FCF	0.93
Goodwill	$114.1M
Interest coverage	4.69
Long-term assets	$614.2M
Long-term liabilities	$345.3M
Net cash (debt)	$796.5M
Net cash / market cap	15.09%
Net cash growth	1,260.07%
Net debt / EBITDA	-3.49
Net debt / equity	-1.08
Net debt / FCF	-2.86
Piotroski F-Score	5
Property, plant and equipment	$54.4M
Shareholders' equity	$734.8M
Tangible book value	$12M
Tangible book value per share	$0.12
Total assets	$2.1B
Total cash	$1.1B
Total debt	$258.3M
Total liabilities	$1.4B
WACC	8.97%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.68
Current assets	$1.5B
Current liabilities	$1.1B
Current ratio	1.44
Net working capital	$-584.5M
Quick ratio	1.14
Working capital	$465.9M
Working capital turnover	5.31

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-287.52%
Dividend yield	0%
Shareholder yield	-287.52%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$12.16
1D price change	-0.96%
1M price change	13.47%
1M total return	13.47%
1W price change	-0.64%
1W total return	-0.64%
1Y price change	37.93%
1Y return CAGR	37.96%
1Y total return	37.93%
20-day SMA	$14.84
200-day SMA	$12.01
3M price change	30.46%
3M total return	30.46%
3Y price change	103.43%
3Y return CAGR	26.7%
3Y total return	103.43%
50-day SMA	$14.02
50-day SMA vs 200-day SMA	50over200
52-week high	$16.00
52-week high date	2026-10-27
52-week low	$9.36
52-week low date	2026-03-12
5Y price change	53.43%
5Y return CAGR	8.94%
5Y total return	53.43%
6M price change	43.84%
6M total return	43.84%
All-time high	$19.97
All-time high date	2021-12-13
All-time low	$7.23
All-time low date	2022-05-12
Average true range (ATR)	$0.43
Average volume	361.4K
Beta (1Y)	0.4
Beta (2Y)	0.66
Beta (5Y)	0.83
Change from 52-week high	-3.63%
Change from 52-week low	64.74%
Change from all-time high	-22.78%
Change from all-time low	113.28%
Change from open	-1.47%
Day's gap	0.51%
Dollar volume	$4.4M
High price	$15.65
Low price	$15.27
Monthly RSI	67.18
Open price	$15.65
Position in 52-week range	39.47%
Previous close	$15.57
Price vs 150-day SMA	26.86%
Price vs 20-day SMA	3.88%
Price vs 200-day SMA	28.38%
Price vs 50-day SMA	9.96%
Relative volume	0.8
RSI	63.42
Sharpe ratio	0.99
Sharpe ratio (3Y)	0.71
Sharpe ratio (5Y)	0.32
Sortino ratio	1.8
Sortino ratio (3Y)	1.29
Sortino ratio (5Y)	0.67
Volume	283.1K
Weekly RSI	71.74
YTD price change	14.73%
YTD total return	14.73%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	47.6M
Float percentage	13.86%
Shares change (QoQ)	0.75%
Shares change (YoY)	287.52%
Shares held by insiders	2.58%
Shares held by institutions	50.23%
Shares outstanding	343.6M
Short % of float	3.61%
Short % of shares	0.5%
Short ratio	2.7 days

Deeper analysis on HGTY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this HGTY report

Is a complete HGTY research report available?

No complete published report is available for Hagerty, Inc. (HGTY) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Hagerty, Inc. (HGTY)

Price

Financial snapshot

Fair-value bridge

Latest news · HGTY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All HGTY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on HGTY

Frequently asked questions