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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.

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%	मज़बूत ख़रीद
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	मज़बूत ख़रीद
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	होल्ड

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

Metric

Value

Amount currency

USD

CIK code

0001840776

Company name

Hagerty, Inc.

Country

United States

Country code

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

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

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

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

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%

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

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%

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

Metric

Value

EPS growth

-21.48%

EPS growth 5Y

-68.6%

EPS growth years

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

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

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

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

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%

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

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%

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

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

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

Metric

Value

Buyback yield / dilution

-287.52%

Dividend yield

Shareholder yield

-287.52%

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%

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%

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

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

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