Overview Dividends

(HGTY) Hagerty - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4051661092

Insurance, Memberships, Marketplace, Valuation, Magazine

HGTY EPS (Earnings per Share)

EPS Growth (3Y CAGR): 293.37%
EPS Trend (3Y Correlation): 79.0%

HGTY Revenue

Revenue Growth (3Y CAGR): 26.05%
Revenue Trend (3Y Correlation): 94.0%

Risk via 10d forecast
Volatility	32.7%
Value at Risk 5%th	46.2%
Relative Tail Risk	-14.00%

Reward TTM
Sharpe Ratio	0.64
Alpha	11.70

Character TTM
Hurst Exponent	0.422
Beta	0.583
Beta Downside	0.543

Drawdowns 3y
Max DD	31.07%
Mean DD	13.47%
Median DD	13.81%

Description: HGTY Hagerty November 08, 2025

Hagerty, Inc. (NYSE:HGTY) specializes in underwriting, selling, and servicing insurance policies for collector cars and enthusiast vehicles across the United States. In addition to core insurance, the firm bundles Hagerty Drivers Club memberships with its policies, offering members roadside assistance, a dedicated magazine, access to automotive events, a proprietary vehicle-valuation tool, and assorted discounts. A complementary marketplace expands the value proposition by providing ancillary products and services tailored to the collector-car community.

Key performance indicators that investors watch include the company’s policy-count growth (which rose ~12% YoY in 2023) and the average premium per vehicle, which has been trending upward as high-net-worth collectors seek broader coverage. Hagerty’s earnings are sensitive to discretionary-spending cycles; a strong macro-environment for luxury goods and a low-interest-rate backdrop tend to boost demand for collector-car insurance. Within the broader Property & Casualty sector, the niche “specialty vehicle” segment has been outpacing the industry average, driven by rising classic-car auction volumes and increasing vehicle-valuation transparency.

For a deeper, data-driven view of Hagerty’s valuation metrics and scenario analysis, you might explore the company’s profile on ValueRay.

HGTY Stock Overview

Market Cap in USD	4,252m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	2021-06-01
Return 12m vs S&P 500	6.73%
Analyst Rating	2.67 of 5

HGTY Dividends

Currently no dividends paid

HGTY Growth Ratios

CAGR 3y	16.25%
CAGR/Max DD Calmar Ratio	0.52
CAGR/Mean DD Pain Ratio	1.21
Current Volume	116.9k
Average Volume	126.7k

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (43.3m TTM) > 0 and > 6% of Revenue (6% = 81.6m TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA -2.73pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -0.13% (prev 0.68%; Δ -0.81pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.08 (>3.0%) and CFO 177.3m > Net Income 43.3m (YES >=105%, WARN >=100%)

Net Debt (-219.0m) to EBITDA (150.3m) ratio: -1.46 <= 3.0 (WARN <= 3.5)

Current Ratio 1.00 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (90.7m) change vs 12m ago 1.12% (target <= -2.0% for YES)

Gross Margin 68.19% (prev 49.89%; Δ 18.31pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 68.52% (prev 63.68%; Δ 4.83pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.65 (EBITDA TTM 150.3m / Interest Expense TTM 42.9m) >= 6 (WARN >= 3)

Altman Z'' -0.55

(A) -0.00 = (Total Current Assets 1.21b - Total Current Liabilities 1.22b) / Total Assets 2.15b

(B) -0.19 = Retained Earnings (Balance) -411.8m / Total Assets 2.15b

(D) -0.29 = Book Value of Equity -410.8m / Total Liabilities 1.44b

Total Rating: -0.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 84.53

1. Piotroski 4.50pt = -0.50

2. FCF Yield 3.84% = 1.92

3. FCF Margin 11.38% = 2.84

4. Debt/Equity 0.38 = 2.43

5. Debt/Ebitda -1.46 = 2.50

6. ROIC - WACC (= 10.85)% = 12.50

7. RoE 22.15% = 1.85

8. Rev. Trend 93.98% = 7.05

9. EPS Trend 79.00% = 3.95

What is the price of HGTY shares?

As of November 15, 2025, the stock is trading at USD 13.69 with a total of 116,949 shares traded.
Over the past week, the price has changed by +10.14%, over one month by +11.66%, over three months by +24.12% and over the past year by +22.34%.

Is Hagerty a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Hagerty (NYSE:HGTY) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 84.53 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HGTY is around 12.52 USD . This means that HGTY is currently overvalued and has a potential downside of -8.55%.

Is HGTY a buy, sell or hold?

Hagerty has received a consensus analysts rating of 2.67. Therefor, it is recommend to hold HGTY.

Strong Buy: 0
Buy: 0
Hold: 2
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the HGTY price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	13.3	-2.9%
Analysts Target Price	13.3	-2.9%
ValueRay Target Price	13.9	1.5%

HGTY Fundamental Data Overview November 11, 2025

Market Cap USD = 4.25b (4.25b USD * 1.0 USD.USD)
P/E Trailing = 41.4333
P/E Forward = 26.9542
P/S = 3.1263
P/B = 6.9835
P/EG = 0.2868
Beta = 0.909
Revenue TTM = 1.36b USD
EBIT TTM = 113.4m USD
EBITDA TTM = 150.3m USD
Long Term Debt = 25.3m USD (from longTermDebt, last fiscal year)
Short Term Debt = 73.1m USD (from shortTermDebt, last quarter)
Debt = 113.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -219.0m USD (from netDebt column, last quarter)
Enterprise Value = 4.03b USD (4.25b + Debt 113.6m - CCE 332.6m)
Interest Coverage Ratio = 2.65 (Ebit TTM 113.4m / Interest Expense TTM 42.9m)
FCF Yield = 3.84% (FCF TTM 154.7m / Enterprise Value 4.03b)
FCF Margin = 11.38% (FCF TTM 154.7m / Revenue TTM 1.36b)
Net Margin = 3.18% (Net Income TTM 43.3m / Revenue TTM 1.36b)
Gross Margin = 68.19% ((Revenue TTM 1.36b - Cost of Revenue TTM 432.6m) / Revenue TTM)
Gross Margin QoQ = 82.08% (prev 82.62%)
Tobins Q-Ratio = 1.87 (Enterprise Value 4.03b / Total Assets 2.15b)
Interest Expense / Debt = 18.46% (Interest Expense 21.0m / Debt 113.6m)
Taxrate = -246.2% (out of range, set to none) (-32.8m / 13.3m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 1.00 (Total Current Assets 1.21b / Total Current Liabilities 1.22b)
Debt / Equity = 0.38 (Debt 113.6m / totalStockholderEquity, last quarter 296.4m)
Debt / EBITDA = -1.46 (Net Debt -219.0m / EBITDA 150.3m)
Debt / FCF = -1.42 (Net Debt -219.0m / FCF TTM 154.7m)
Total Stockholder Equity = 195.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.01% (Net Income 43.3m / Total Assets 2.15b)
RoE = 22.15% (Net Income TTM 43.3m / Total Stockholder Equity 195.5m)
RoCE = 51.36% (EBIT 113.4m / Capital Employed (Equity 195.5m + L.T.Debt 25.3m))
RoIC = 18.80% (EBIT 113.4m / (Assets 2.15b - Curr.Liab 1.22b - Cash 332.6m))
WACC = 7.95% (E(4.25b)/V(4.37b) * Re(8.16%) + (debt cost/tax rate unavailable))
Discount Rate = 8.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -48.91%
[DCF Debug] Terminal Value 78.93% ; FCFE base≈164.9m ; Y1≈177.5m ; Y5≈218.1m
Fair Price DCF = 37.07 (DCF Value 3.73b / Shares Outstanding 100.5m; 5y FCF grow 8.58% → 3.0% )
EPS Correlation: 79.00 | EPS CAGR: 293.4% | SUE: 0.34 | # QB: 0
Revenue Correlation: 93.98 | Revenue CAGR: 26.05% | SUE: 3.41 | # QB: 3

Additional Sources for HGTY Stock

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Fund Manager Positions: Dataroma | Stockcircle