HAGERTY INC-A (HGTY) Fundamental Analysis & Valuation

NYSE:HGTY • US4051661092

Current stock price

10.23 USD
+0.44 (+4.49%)
At close:
10.32 USD
+0.09 (+0.88%)
After Hours:

This HGTY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. HGTY Profitability Analysis

1.1 Basic Checks

  • HGTY had positive earnings in the past year.
  • In the past year HGTY had a positive cash flow from operations.
  • In multiple years HGTY reported negative net income over the last 5 years.
  • Of the past 5 years HGTY 4 years 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 in line with its industry peers.
  • The Return On Equity of HGTY (11.25%) is comparable to the rest of the industry.
  • HGTY has a better Return On Invested Capital (5.17%) than 77.18% 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

  • HGTY's Profit Margin of 2.45% is on the low side compared to the rest of the industry. HGTY is outperformed by 75.17% of its industry peers.
  • In the last couple of years the Profit Margin of HGTY has declined.
  • HGTY has a worse Operating Margin (8.37%) than 67.11% 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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4

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.
  • HGTY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 1.38. This is a bad value and indicates that HGTY is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of HGTY (1.38) is better than 85.91% 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 67.11% of the companies in the same industry.
  • A Debt/Equity ratio of 0.35 indicates that HGTY is not too dependend on debt financing.
  • HGTY's Debt to Equity ratio of 0.35 is in line compared to the rest of the industry. HGTY outperforms 44.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.15
Altman-Z 1.38
ROIC/WACC0.59
WACC8.8%
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

  • A Current Ratio of 0.21 indicates that HGTY may have some problems paying its short term obligations.
  • The Current ratio of HGTY (0.21) is better than 68.46% of its industry peers.
  • 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 better Quick ratio (0.21) than 68.46% 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

3

3. HGTY Growth Analysis

3.1 Past

  • HGTY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 82.61%, which is quite impressive.
EPS 1Y (TTM)82.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.48%

3.2 Future

  • The Earnings Per Share is expected to grow by 30.19% on average over the next years. This is a very strong growth
  • HGTY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.67% yearly.
EPS Next Y-35.47%
EPS Next 2Y22.01%
EPS Next 3Y27.33%
EPS Next 5Y30.19%
Revenue Next Year-7.18%
Revenue Next 2Y4.91%
Revenue Next 3Y2.67%
Revenue Next 5YN/A

3.3 Evolution

HGTY Yearly Revenue VS EstimatesHGTY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 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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1

4. HGTY Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 24.36 indicates a rather expensive valuation of HGTY.
  • Based on the Price/Earnings ratio, HGTY is valued a bit more expensive than the industry average as 77.85% of the companies are valued more cheaply.
  • HGTY is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 37.75, the valuation of HGTY can be described as expensive.
  • Based on the Price/Forward Earnings ratio, HGTY is valued a bit more expensive than 79.87% 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 23.84.
Industry RankSector Rank
PE 24.36
Fwd PE 37.75
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HGTY indicates a slightly more expensive valuation: HGTY is more expensive than 66.44% of the companies listed in the same industry.
  • 67.79% of the companies in the same industry are cheaper than HGTY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.7
EV/EBITDA 22.4
HGTY Per share dataHGTY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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 2Y22.01%
EPS Next 3Y27.33%

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

0

5. HGTY Dividend Analysis

5.1 Amount

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

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HGTY Fundamentals: All Metrics, Ratios and Statistics

HAGERTY INC-A

NYSE:HGTY (3/13/2026, 8:04:00 PM)

After market: 10.32 +0.09 (+0.88%)

10.23

+0.44 (+4.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-05
Inst Owners89.79%
Inst Owner Change-4.58%
Ins Owners6.29%
Ins Owner Change0.02%
Market Cap3.51B
Revenue(TTM)N/A
Net Income(TTM)33.35M
Analysts74.29
Price Target14.28 (39.59%)
Short Float %0.38%
Short Ratio3.07
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)0%
PT rev (3m)2.08%
EPS NQ rev (1m)32.79%
EPS NQ rev (3m)38.47%
EPS NY rev (1m)2.36%
EPS NY rev (3m)3.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 24.36
Fwd PE 37.75
P/S 2.58
P/FCF 22.7
P/OCF 19.82
P/B 11.83
P/tB 37.38
EV/EBITDA 22.4
EPS(TTM)0.42
EY4.11%
EPS(NY)0.27
Fwd EY2.65%
FCF(TTM)0.45
FCFY4.4%
OCF(TTM)0.52
OCFY5.05%
SpS3.97
BVpS0.87
TBVpS0.27
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.86
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 1.38
F-Score7
WACC8.8%
ROIC/WACC0.59
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)82.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
EPS Next Y-35.47%
EPS Next 2Y22.01%
EPS Next 3Y27.33%
EPS Next 5Y30.19%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.48%
Revenue Next Year-7.18%
Revenue Next 2Y4.91%
Revenue Next 3Y2.67%
Revenue Next 5YN/A
EBIT growth 1Y112.34%
EBIT growth 3YN/A
EBIT growth 5Y43.77%
EBIT Next Year197.87%
EBIT Next 3Y76.45%
EBIT Next 5Y62.59%
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 Fundamental Analysis FAQ

What is the fundamental rating for HGTY stock?

ChartMill assigns a fundamental rating of 3 / 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.


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 24.36 and the Price/Book (PB) ratio is 11.83.


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

The Earnings per Share (EPS) of HAGERTY INC-A (HGTY) is expected to decline by -35.47% in the next year.