HAGERTY INC-A (HGTY) Fundamental Analysis & Valuation
NYSE:HGTY • US4051661092
Current stock price
10.59 USD
+0.08 (+0.76%)
Last:
This HGTY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. HGTY Profitability Analysis
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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.85%, HGTY is in line with its industry, outperforming 43.54% of the companies in the same industry.
- HGTY has a Return On Equity of 12.57%. This is in the better half of the industry: HGTY outperforms 61.22% of its industry peers.
- HGTY's Return On Invested Capital of 8.49% is amongst the best of the industry. HGTY outperforms 86.39% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for HGTY is below the industry average of 9.51%.
- The last Return On Invested Capital (8.49%) for HGTY is above the 3 year average (6.10%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.85% | ||
| ROE | 12.57% | ||
| ROIC | 8.49% |
ROA(3y)1.12%
ROA(5y)0.27%
ROE(3y)8.47%
ROE(5y)N/A
ROIC(3y)6.1%
ROIC(5y)N/A
1.3 Margins
- HGTY has a Profit Margin of 2.66%. This is in the lower half of the industry: HGTY underperforms 78.23% of its industry peers.
- HGTY's Profit Margin has improved in the last couple of years.
- HGTY's Operating Margin of 12.36% is in line compared to the rest of the industry. HGTY outperforms 52.38% of its industry peers.
- HGTY's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.36% | ||
| PM (TTM) | 2.66% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y31.34%
PM growth 3Y-12.05%
PM growth 5Y5.4%
GM growth 3YN/A
GM growth 5YN/A
2. HGTY Health Analysis
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.
- The number of shares outstanding for HGTY has been increased compared to 1 year ago.
- HGTY has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, HGTY has a worse debt to assets ratio.
2.2 Solvency
- HGTY has an Altman-Z score of 1.86. This is not the best score and indicates that HGTY is in the grey zone with still only limited risk for bankruptcy at the moment.
- With an excellent Altman-Z score value of 1.86, HGTY belongs to the best of the industry, outperforming 89.12% of the companies in the same industry.
- HGTY has a debt to FCF ratio of 0.91. This is a very positive value and a sign of high solvency as it would only need 0.91 years to pay back of all of its debts.
- The Debt to FCF ratio of HGTY (0.91) is better than 66.67% of its industry peers.
- A Debt/Equity ratio of 0.58 indicates that HGTY is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.58, HGTY is doing worse than 77.55% of the companies in the same industry.
- Although HGTY's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | 1.86 |
ROIC/WACC0.96
WACC8.83%
2.3 Liquidity
- A Current Ratio of 0.66 indicates that HGTY may have some problems paying its short term obligations.
- With a decent Current ratio value of 0.66, HGTY is doing good in the industry, outperforming 75.51% of the companies in the same industry.
- HGTY has a Quick Ratio of 0.66. This is a bad value and indicates that HGTY is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Quick ratio of HGTY (0.66) is better than 75.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.66 | ||
| Quick Ratio | 0.66 |
3. HGTY Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 82.61% over the past year.
- The Earnings Per Share has been decreasing by -1.73% on average over the past years.
- The Revenue has grown by 21.36% in the past year. This is a very strong growth!
- HGTY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.86% yearly.
EPS 1Y (TTM)82.61%
EPS 3Y3.23%
EPS 5Y-1.73%
EPS Q2Q%300%
Revenue 1Y (TTM)21.36%
Revenue growth 3Y20.99%
Revenue growth 5Y23.86%
Sales Q2Q%22.48%
3.2 Future
- Based on estimates for the next years, HGTY will show a very strong growth in Earnings Per Share. The EPS will grow by 30.19% on average per year.
- The Revenue is expected to grow by 2.67% on average over the next years.
EPS Next Y-50.21%
EPS Next 2Y21.39%
EPS Next 3Y27.33%
EPS Next 5Y30.19%
Revenue Next Year-6.76%
Revenue Next 2Y4.78%
Revenue Next 3Y2.67%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. HGTY Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 25.21 indicates a quite expensive valuation of HGTY.
- Based on the Price/Earnings ratio, HGTY is valued expensively inside the industry as 82.99% of the companies are valued cheaper.
- The average S&P500 Price/Earnings ratio is at 27.50. HGTY is around the same levels.
- Based on the Price/Forward Earnings ratio of 50.65, the valuation of HGTY can be described as expensive.
- Based on the Price/Forward Earnings ratio, HGTY is valued more expensive than 80.95% of the companies in the same industry.
- HGTY's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.62.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.21 | ||
| Fwd PE | 50.65 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HGTY is valued a bit more expensive than the industry average as 63.27% of the companies are valued more cheaply.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of HGTY indicates a slightly more expensive valuation: HGTY is more expensive than 67.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.66 | ||
| EV/EBITDA | 16.63 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as HGTY's earnings are expected to grow with 27.33% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y21.39%
EPS Next 3Y27.33%
5. HGTY Dividend Analysis
5.1 Amount
- No dividends for HGTY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
HGTY Fundamentals: All Metrics, Ratios and Statistics
NYSE:HGTY (4/23/2026, 12:26:55 PM)
10.59
+0.08 (+0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26 2026-02-26/bmo
Earnings (Next)05-12 2026-05-12
Inst Owners89.87%
Inst Owner Change0.05%
Ins Owners6.31%
Ins Owner Change0.23%
Market Cap3.63B
Revenue(TTM)1.46B
Net Income(TTM)38.71M
Analysts74.29
Price Target14.45 (36.45%)
Short Float %0.51%
Short Ratio2.93
Dividend
| Industry Rank | Sector 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)92.86%
Min EPS beat(2)60.74%
Max EPS beat(2)124.99%
EPS beat(4)4
Avg EPS beat(4)108.59%
Min EPS beat(4)12.46%
Max EPS beat(4)236.18%
EPS beat(8)5
Avg EPS beat(8)52%
EPS beat(12)7
Avg EPS beat(12)52.52%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)6.41%
Min Revenue beat(2)5.02%
Max Revenue beat(2)7.81%
Revenue beat(4)4
Avg Revenue beat(4)5.36%
Min Revenue beat(4)4.12%
Max Revenue beat(4)7.81%
Revenue beat(8)8
Avg Revenue beat(8)3.64%
Revenue beat(12)10
Avg Revenue beat(12)2.18%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.19%
PT rev (3m)1.19%
EPS NQ rev (1m)-225.81%
EPS NQ rev (3m)-124.67%
EPS NY rev (1m)-22.85%
EPS NY rev (3m)-53.96%
Revenue NQ rev (1m)-0.61%
Revenue NQ rev (3m)-7.12%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)-5.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.21 | ||
| Fwd PE | 50.65 | ||
| P/S | 2.49 | ||
| P/FCF | 18.66 | ||
| P/OCF | 16.57 | ||
| P/B | 11.78 | ||
| P/tB | 34.6 | ||
| EV/EBITDA | 16.63 |
EPS(TTM)0.42
EY3.97%
EPS(NY)0.21
Fwd EY1.97%
FCF(TTM)0.57
FCFY5.36%
OCF(TTM)0.64
OCFY6.04%
SpS4.25
BVpS0.9
TBVpS0.31
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.91433 (-72.48%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.85% | ||
| ROE | 12.57% | ||
| ROCE | 10.16% | ||
| ROIC | 8.49% | ||
| ROICexc | 9.33% | ||
| ROICexgc | 10.97% | ||
| OM | 12.36% | ||
| PM (TTM) | 2.66% | ||
| GM | N/A | ||
| FCFM | 13.35% |
ROA(3y)1.12%
ROA(5y)0.27%
ROE(3y)8.47%
ROE(5y)N/A
ROIC(3y)6.1%
ROIC(5y)N/A
ROICexc(3y)6.66%
ROICexc(5y)N/A
ROICexgc(3y)8.26%
ROICexgc(5y)N/A
ROCE(3y)7.29%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y24.97%
ROICexc growth 3YN/A
ROICexc growth 5Y25.07%
OM growth 3YN/A
OM growth 5Y31.34%
PM growth 3Y-12.05%
PM growth 5Y5.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.7
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 0.91 | ||
| Debt/EBITDA | 0.82 | ||
| Cap/Depr | 65.38% | ||
| Cap/Sales | 1.68% | ||
| Interest Coverage | 17.72 | ||
| Cash Conversion | 100.64% | ||
| Profit Quality | 502.32% | ||
| Current Ratio | 0.66 | ||
| Quick Ratio | 0.66 | ||
| Altman-Z | 1.86 |
F-Score7
WACC8.83%
ROIC/WACC0.96
Cap/Depr(3y)59.29%
Cap/Depr(5y)100.95%
Cap/Sales(3y)2.03%
Cap/Sales(5y)3.7%
Profit Quality(3y)975.85%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)82.61%
EPS 3Y3.23%
EPS 5Y-1.73%
EPS Q2Q%300%
EPS Next Y-50.21%
EPS Next 2Y21.39%
EPS Next 3Y27.33%
EPS Next 5Y30.19%
Revenue 1Y (TTM)21.36%
Revenue growth 3Y20.99%
Revenue growth 5Y23.86%
Sales Q2Q%22.48%
Revenue Next Year-6.76%
Revenue Next 2Y4.78%
Revenue Next 3Y2.67%
Revenue Next 5YN/A
EBIT growth 1Y171.84%
EBIT growth 3YN/A
EBIT growth 5Y62.69%
EBIT Next Year110.14%
EBIT Next 3Y52.49%
EBIT Next 5YN/A
FCF growth 1Y24.9%
FCF growth 3Y160.9%
FCF growth 5Y33.45%
OCF growth 1Y23.7%
OCF growth 3Y58.18%
OCF growth 5Y20.96%
HAGERTY INC-A / HGTY Fundamental Analysis 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 1 / 10 to HAGERTY INC-A (HGTY). This can be considered as Overvalued.
How profitable is HAGERTY INC-A (HGTY) stock?
HAGERTY INC-A (HGTY) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for HGTY stock?
The Price/Earnings (PE) ratio for HAGERTY INC-A (HGTY) is 25.21 and the Price/Book (PB) ratio is 11.78.
What is the financial health of HAGERTY INC-A (HGTY) stock?
The financial health rating of HAGERTY INC-A (HGTY) is 4 / 10.