HAGERTY INC-A (HGTY) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:HGTY • US4051661092

12.38 USD
-0.3 (-2.37%)
At close: Feb 3, 2026
12.38 USD
0 (0%)
After Hours: 2/3/2026, 8:22:16 PM
Fundamental Rating

4

Overall HGTY gets a fundamental rating of 4 out of 10. We evaluated HGTY against 147 industry peers in the Insurance industry. While HGTY seems to be doing ok healthwise, there are quite some concerns on its profitability. HGTY is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • HGTY had positive earnings in the past year.
  • HGTY had a positive operating cash flow in the past year.
  • 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 (1.56%) which is comparable to the rest of the industry.
  • The Return On Equity of HGTY (11.37%) is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 5.17%, HGTY is in the better half of the industry, outperforming 79.59% of the companies in the same industry.
Industry RankSector Rank
ROA 1.56%
ROE 11.37%
ROIC 5.17%
ROA(3y)1.32%
ROA(5y)0.24%
ROE(3y)22.34%
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

  • HGTY has a Profit Margin of 2.47%. This is in the lower half of the industry: HGTY underperforms 76.87% of its industry peers.
  • In the last couple of years the Profit Margin of HGTY has declined.
  • HGTY has a worse Operating Margin (8.39%) than 65.99% of its industry peers.
  • HGTY's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.39%
PM (TTM) 2.47%
GM N/A
OM growth 3YN/A
OM growth 5Y15.1%
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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4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HGTY is destroying value.
  • Compared to 1 year ago, HGTY has more shares outstanding
  • HGTY has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HGTY has an improved debt to assets ratio.
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

  • Based on the Altman-Z score of 1.70, we must say that HGTY is in the distress zone and has some risk of bankruptcy.
  • HGTY's Altman-Z score of 1.70 is amongst the best of the industry. HGTY outperforms 89.80% of its industry peers.
  • HGTY has a debt to FCF ratio of 1.15. This is a very positive value and a sign of high solvency as it would only need 1.15 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.15, HGTY is doing good in the industry, outperforming 68.71% of the companies in the same industry.
  • HGTY has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
  • HGTY has a Debt to Equity ratio (0.35) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.15
Altman-Z 1.7
ROIC/WACC0.59
WACC8.83%
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.
  • With a decent Current ratio value of 0.21, HGTY is doing good in the industry, outperforming 70.07% of the companies in the same industry.
  • HGTY has a Quick 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 has a Quick ratio of 0.21. This is in the better half of the industry: HGTY outperforms 70.07% 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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8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 50.00% over the past year.
  • HGTY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.87% yearly.
  • HGTY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.92%.
  • 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 5Y14.87%
EPS Q2Q%160%
Revenue 1Y (TTM)17.92%
Revenue growth 3Y24.68%
Revenue growth 5Y24.74%
Sales Q2Q%17.51%

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 39.70% on average per year.
  • The Revenue is expected to grow by 8.86% on average over the next years. This is quite good.
EPS Next Y64.64%
EPS Next 2Y41.42%
EPS Next 3Y32.96%
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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2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 34.39 indicates a quite expensive valuation of HGTY.
  • HGTY's Price/Earnings ratio is rather expensive when compared to the industry. HGTY is more expensive than 80.27% of the companies in the same industry.
  • HGTY's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 28.18.
  • With a Price/Forward Earnings ratio of 26.91, 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 76.87% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, HGTY is valued at the same level.
Industry RankSector Rank
PE 34.39
Fwd PE 26.91
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 70.75% of the companies in the same industry.
  • 70.07% of the companies in the same industry are cheaper than HGTY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 27.32
EV/EBITDA 28.83
HGTY Per share dataHGTY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

  • The 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 32.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)2.31
EPS Next 2Y41.42%
EPS Next 3Y32.96%

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0

5. Dividend

5.1 Amount

  • HGTY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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HAGERTY INC-A

NYSE:HGTY (2/3/2026, 8:22:16 PM)

After market: 12.38 0 (0%)

12.38

-0.3 (-2.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)03-02
Inst Owners90.2%
Inst Owner Change-0.01%
Ins Owners6.43%
Ins Owner Change0%
Market Cap4.23B
Revenue(TTM)1.36B
Net Income(TTM)33.66M
Analysts74.29
Price Target14.28 (15.35%)
Short Float %0.34%
Short Ratio2.82
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)4.28%
EPS NQ rev (3m)-17%
EPS NY rev (1m)0%
EPS NY rev (3m)13.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.01%
Valuation
Industry RankSector Rank
PE 34.39
Fwd PE 26.91
P/S 3.11
P/FCF 27.32
P/OCF 23.92
P/B 14.31
P/tB 45.05
EV/EBITDA 28.83
EPS(TTM)0.36
EY2.91%
EPS(NY)0.46
Fwd EY3.72%
FCF(TTM)0.45
FCFY3.66%
OCF(TTM)0.52
OCFY4.18%
SpS3.98
BVpS0.87
TBVpS0.27
PEG (NY)0.53
PEG (5Y)2.31
Graham Number2.65
Profitability
Industry RankSector Rank
ROA 1.56%
ROE 11.37%
ROCE 7.07%
ROIC 5.17%
ROICexc 5.75%
ROICexgc 7.25%
OM 8.39%
PM (TTM) 2.47%
GM N/A
FCFM 11.4%
ROA(3y)1.32%
ROA(5y)0.24%
ROE(3y)22.34%
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 5Y12.08%
ROICexc growth 3YN/A
ROICexc growth 5Y8.65%
OM growth 3YN/A
OM growth 5Y15.1%
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 59.46%
Cap/Sales 1.62%
Interest Coverage 10.95
Cash Conversion 117.19%
Profit Quality 460.49%
Current Ratio 0.21
Quick Ratio 0.21
Altman-Z 1.7
F-Score7
WACC8.83%
ROIC/WACC0.59
Cap/Depr(3y)80.44%
Cap/Depr(5y)152.9%
Cap/Sales(3y)3.25%
Cap/Sales(5y)4.9%
Profit Quality(3y)820.64%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3YN/A
EPS 5Y14.87%
EPS Q2Q%160%
EPS Next Y64.64%
EPS Next 2Y41.42%
EPS Next 3Y32.96%
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 1Y112.81%
EBIT growth 3YN/A
EBIT growth 5Y43.58%
EBIT Next Year199.25%
EBIT Next 3Y75.39%
EBIT Next 5YN/A
FCF growth 1Y152.85%
FCF growth 3YN/A
FCF growth 5Y31.11%
OCF growth 1Y88.5%
OCF growth 3Y61.17%
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 34.39 and the Price/Book (PB) ratio is 14.31.


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.