HAGERTY INC-A (HGTY) Stock Fundamental Analysis

NYSE:HGTY • US4051661092

12.14 USD
+0.08 (+0.66%)
At close: Feb 17, 2026
12.14 USD
0 (0%)
After Hours: 2/17/2026, 8:21:20 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to HGTY. HGTY was compared to 149 industry peers in the Insurance industry. The financial health of HGTY is average, but there are quite some concerns on its profitability. HGTY is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year HGTY was profitable.
  • In the past year HGTY had a positive cash flow from operations.
  • Of the past 5 years HGTY 4 years were profitable.
  • Each year in the past 5 years HGTY had a positive operating cash flow.
HGTY Yearly Net Income VS EBIT VS OCF VS FCFHGTY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

1.2 Ratios

  • HGTY has a Return On Assets (1.55%) which is comparable to the rest of the industry.
  • HGTY has a Return On Equity (11.25%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of HGTY (5.17%) is better than 79.87% of its industry peers.
Industry RankSector Rank
ROA 1.55%
ROE 11.25%
ROIC 5.17%
ROA(3y)1.32%
ROA(5y)0.24%
ROE(3y)22.32%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HGTY Yearly ROA, ROE, ROICHGTY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40 50

1.3 Margins

  • The Profit Margin of HGTY (2.45%) is worse than 75.17% of its industry peers.
  • HGTY's Profit Margin has declined in the last couple of years.
  • HGTY has a Operating Margin of 8.37%. This is in the lower half of the industry: HGTY underperforms 65.10% of its industry peers.
  • HGTY's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.37%
PM (TTM) 2.45%
GM N/A
OM growth 3YN/A
OM growth 5Y15.25%
PM growth 3YN/A
PM growth 5Y-6.84%
GM growth 3YN/A
GM growth 5YN/A
HGTY Yearly Profit, Operating, Gross MarginsHGTY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 -4 -6

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • HGTY has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, HGTY has more shares outstanding
  • Compared to 5 years ago, HGTY has more shares outstanding
  • The debt/assets ratio for HGTY has been reduced compared to a year ago.
HGTY Yearly Shares OutstandingHGTY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 100M 200M 300M
HGTY Yearly Total Debt VS Total AssetsHGTY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • HGTY has an Altman-Z score of 1.63. This is a bad value and indicates that HGTY is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.63, HGTY belongs to the best of the industry, outperforming 89.26% of the companies in the same industry.
  • The Debt to FCF ratio of HGTY is 1.15, which is an excellent value as it means it would take HGTY, only 1.15 years of fcf income to pay off all of its debts.
  • HGTY has a Debt to FCF ratio of 1.15. This is in the better half of the industry: HGTY outperforms 69.13% of its industry peers.
  • A Debt/Equity ratio of 0.35 indicates that HGTY is not too dependend on debt financing.
  • HGTY has a Debt to Equity ratio (0.35) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.15
Altman-Z 1.63
ROIC/WACC0.6
WACC8.59%
HGTY Yearly LT Debt VS Equity VS FCFHGTY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M -300M

2.3 Liquidity

  • HGTY has a Current Ratio of 0.21. This is a bad value and indicates that HGTY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • HGTY's Current ratio of 0.21 is fine compared to the rest of the industry. HGTY outperforms 69.80% of its industry peers.
  • A Quick Ratio of 0.21 indicates that HGTY may have some problems paying its short term obligations.
  • HGTY has a Quick ratio of 0.21. This is in the better half of the industry: HGTY outperforms 69.80% of its industry peers.
Industry RankSector Rank
Current Ratio 0.21
Quick Ratio 0.21
HGTY Yearly Current Assets VS Current LiabilitesHGTY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 50.00% over the past year.
  • Measured over the past years, HGTY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.01% on average per year.
  • Looking at the last year, HGTY shows a quite strong growth in Revenue. The Revenue has grown by 17.92% in the last year.
  • Measured over the past years, HGTY shows a very strong growth in Revenue. The Revenue has been growing by 24.74% on average per year.
EPS 1Y (TTM)50%
EPS 3YN/A
EPS 5Y15.01%
EPS Q2Q%160%
Revenue 1Y (TTM)17.92%
Revenue growth 3Y24.68%
Revenue growth 5Y24.74%
Sales Q2Q%17.51%

3.2 Future

  • The Earnings Per Share is expected to grow by 39.70% on average over the next years. This is a very strong growth
  • HGTY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.86% yearly.
EPS Next Y64.64%
EPS Next 2Y41.42%
EPS Next 3Y40.09%
EPS Next 5Y39.7%
Revenue Next Year17.44%
Revenue Next 2Y7.37%
Revenue Next 3Y8.86%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
HGTY Yearly Revenue VS EstimatesHGTY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
HGTY Yearly EPS VS EstimatesHGTY Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 0.5 1 1.5

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 33.72 indicates a quite expensive valuation of HGTY.
  • HGTY's Price/Earnings ratio is a bit more expensive when compared to the industry. HGTY is more expensive than 77.85% of the companies in the same industry.
  • HGTY is valuated rather expensively when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 26.39, HGTY can be considered very expensive at the moment.
  • HGTY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HGTY is more expensive than 75.84% of the companies in the same industry.
  • HGTY is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 33.72
Fwd PE 26.39
HGTY Price Earnings VS Forward Price EarningsHGTY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, HGTY is valued a bit more expensive than the industry average as 65.10% of the companies are valued more cheaply.
  • HGTY's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HGTY is more expensive than 69.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 26.9
EV/EBITDA 27.52
HGTY Per share dataHGTY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

  • HGTY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • HGTY's earnings are expected to grow with 40.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)2.25
EPS Next 2Y41.42%
EPS Next 3Y40.09%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for HGTY!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

HAGERTY INC-A

NYSE:HGTY (2/17/2026, 8:21:20 PM)

After market: 12.14 0 (0%)

12.14

+0.08 (+0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-26
Inst Owners90.2%
Inst Owner Change0.02%
Ins Owners6.43%
Ins Owner Change0%
Market Cap4.15B
Revenue(TTM)1.36B
Net Income(TTM)33.35M
Analysts74.29
Price Target14.28 (17.63%)
Short Float %0.34%
Short Ratio2.88
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)36.6%
Min EPS beat(2)12.46%
Max EPS beat(2)60.74%
EPS beat(4)4
Avg EPS beat(4)125.84%
Min EPS beat(4)12.46%
Max EPS beat(4)236.18%
EPS beat(8)5
Avg EPS beat(8)64.64%
EPS beat(12)7
Avg EPS beat(12)44.31%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)4.57%
Min Revenue beat(2)4.12%
Max Revenue beat(2)5.02%
Revenue beat(4)4
Avg Revenue beat(4)4.09%
Min Revenue beat(4)2.74%
Max Revenue beat(4)5.02%
Revenue beat(8)7
Avg Revenue beat(8)2.41%
Revenue beat(12)9
Avg Revenue beat(12)1.3%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.08%
PT rev (3m)2.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)13.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.01%
Valuation
Industry RankSector Rank
PE 33.72
Fwd PE 26.39
P/S 3.05
P/FCF 26.9
P/OCF 23.48
P/B 14.01
P/tB 44.29
EV/EBITDA 27.52
EPS(TTM)0.36
EY2.97%
EPS(NY)0.46
Fwd EY3.79%
FCF(TTM)0.45
FCFY3.72%
OCF(TTM)0.52
OCFY4.26%
SpS3.98
BVpS0.87
TBVpS0.27
PEG (NY)0.52
PEG (5Y)2.25
Graham Number2.65
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 11.25%
ROCE 7.06%
ROIC 5.17%
ROICexc 5.75%
ROICexgc 7.25%
OM 8.37%
PM (TTM) 2.45%
GM N/A
FCFM 11.35%
ROA(3y)1.32%
ROA(5y)0.24%
ROE(3y)22.32%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y12.2%
ROICexc growth 3YN/A
ROICexc growth 5Y8.77%
OM growth 3YN/A
OM growth 5Y15.25%
PM growth 3YN/A
PM growth 5Y-6.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.15
Debt/EBITDA 0.69
Cap/Depr 61.25%
Cap/Sales 1.65%
Interest Coverage 10.93
Cash Conversion 117.52%
Profit Quality 462.9%
Current Ratio 0.21
Quick Ratio 0.21
Altman-Z 1.63
F-Score7
WACC8.59%
ROIC/WACC0.6
Cap/Depr(3y)81.15%
Cap/Depr(5y)153.33%
Cap/Sales(3y)3.27%
Cap/Sales(5y)4.91%
Profit Quality(3y)819.67%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3YN/A
EPS 5Y15.01%
EPS Q2Q%160%
EPS Next Y64.64%
EPS Next 2Y41.42%
EPS Next 3Y40.09%
EPS Next 5Y39.7%
Revenue 1Y (TTM)17.92%
Revenue growth 3Y24.68%
Revenue growth 5Y24.74%
Sales Q2Q%17.51%
Revenue Next Year17.44%
Revenue Next 2Y7.37%
Revenue Next 3Y8.86%
Revenue Next 5YN/A
EBIT growth 1Y112.34%
EBIT growth 3YN/A
EBIT growth 5Y43.77%
EBIT Next Year199.25%
EBIT Next 3Y75.39%
EBIT Next 5YN/A
FCF growth 1Y151.85%
FCF growth 3YN/A
FCF growth 5Y31.05%
OCF growth 1Y88.38%
OCF growth 3Y61.18%
OCF growth 5Y28.72%

HAGERTY INC-A / HGTY FAQ

What is the fundamental rating for HGTY stock?

ChartMill assigns a fundamental rating of 4 / 10 to HGTY.


What is the valuation status for HGTY stock?

ChartMill assigns a valuation rating of 2 / 10 to HAGERTY INC-A (HGTY). This can be considered as Overvalued.


What is the profitability of HGTY stock?

HAGERTY INC-A (HGTY) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for HGTY stock?

The Price/Earnings (PE) ratio for HAGERTY INC-A (HGTY) is 33.72 and the Price/Book (PB) ratio is 14.01.


What is the earnings growth outlook for HAGERTY INC-A?

The Earnings per Share (EPS) of HAGERTY INC-A (HGTY) is expected to grow by 64.64% in the next year.