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HGTYHagerty, Inc.
$13.70$4.7B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
HGTY logo

Hagerty, Inc.

HGTY
NYSE · Property & Casualty Insurance
$13.70
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$4.7B
P/E37.0x
52W High$14.17
Volume204.19K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Premium Growth Accelerates While Claims Inflation Pressures Margins

Hagerty's revenue growth accelerated to 22.5% YoY in Q4 2025, driven by the State Farm partnership, yet underwriting profitability remains volatile with combined ratios swinging from 85.5% to 106.7% over recent quarters. The company's strong cash generation (O...

GrowthAccelerating
ProfitabilityStable
ValuationExpensive
TechnicalsStrong
Explore valuation models
MARKET ACTION

HGTY price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

+143% Peers

P/E is 143% above peer median

03

Market leadership

RS 82 · Leader

High momentum (Outperforming 82% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Nov 5

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
HGTY+4.18%
S&P 500 (^GSPC)+12.39%
1-Year Return
HGTY+11.47%
S&P 500 (^GSPC)+15.77%
3-Year Return
HGTY+67.69%
S&P 500 (^GSPC)+80.63%
5-Year Return
HGTY+35.91%
S&P 500 (^GSPC)+75.07%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
37.0x
Forward P/E
554.7x
EV/EBITDA75th %ile
26.2x
FCF YieldCash Flow
4.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
37.0x
83.5x
33rd· Fair
EV/EBITDA
26.2x
26.0x
75th· Fair
Price/FCF
24.2x
24.0x
75th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$1.25-90.9%
Base (Fair)$2.90-79.2%
Bull$5.31-61.2%
$1.25 Bear$2.90 Base$5.31 Bull
Current Market Price: $13.70
Trades at a 372.4% premium to Base DCF ($2.90)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.46B+22.2% YoY
Net income
$49M+188.1% YoY
Free cash flow
$194M+24.9% YoY
Operating margin
9.6%+1.7 pts YoY
ROIC (TTM)17.9%
Avg ROIC 5Y-
ROE (TTM)7.7%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate10/12 (83%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 5, 2026
-$0.02+76.9%
vs -$0.09
$355M+12.2%
vs $316M
Q2 2026
May 6, 2026
-$0.04-500.0%
vs $0.01
$312M+9.5%
vs $285M
Q1 2026
Feb 26, 2026
$0.08+100.0%
vs $0.04
$357M+14.7%
vs $312M
Q4 2025
Nov 4, 2025
$0.13+44.4%
vs $0.09
$380M+17.5%
vs $324M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·2d ago
ULTRA-RARE MCA CENTENAIRE, MONACO'S FIRST SUPERCAR, OFFERED AT BROAD ARROW'S 2026 ZOUTE CONCOURS AUCTION

Monte Carlo Automotive (MCA) Centenaire was the first road car with a carbon fibre monocoque chassis and is powered by a 5.2-litre V12 from the Lamborghini Countach 5000 QV | This example of Monaco's first supercar, created in partnership with Lamborghini, is the first of just five Centenaire models produced | Originally retained by the Lamborghini factory and displayed at Rétromobile 2007, the Centenaire is now eligible for many prestigious concours events | Offered for sale at Broad Arrow's Zoute Concours Auction on 9 October 2026 in collaboration with Zoute Grand Prix Car Week Monte Carlo Automotive (MCA) Centenaire was the first road car with a carbon fibre monocoque chassis and is powered by a 5.2-litre V12 from the Lamborghini Countach 5000 QV | This example of Monaco's first supercar, created in partnership with Lamborghini, is the first of just five Centenaire models produced | Originally retained by the Lamborghini factory and displayed at Rétromobile 2007, the Centenaire is now eligible for many prestigious concours events | Offered for sale at Broad Arrow's Zoute Concours Auction on 9 October 2026 in collaboration with Zoute Grand Prix Car Week

GlobeNewsWire·Sep 17, 2026
‘HOLY TRINITY' LEADS EXCITING HYPERCARS AND SUPERCARS AT BROAD ARROW'S SECOND ANNUAL ZOUTE CONCOURS AUCTION

Porsche 918 Spyder Weissach joins Ferrari LaFerrari and McLaren P1 in rare offering of the famed ‘Holy Trinity' of hypercars | 2015 Porsche 918 Spyder features Weissach Package and is the only known European-delivery example to be finished in historic Individualfarbe Sport Classic Grey | Ferrari LaFerrari in rare Grigio Ferro Metallizzato with recent high-voltage battery replacement and a 293-km McLaren P1 in MSO Storm Grey complete the trio | Auction highlights also include a Guards Red 2005 Porsche Carrera GT, a 2010 Ferrari 599 GTO, a 2022 Ferrari 812 Competizione in stunning Blu Tour de France, a 2020 Ferrari 488 Pista Piloti and a 1992 Jaguar XJ220 Porsche 918 Spyder Weissach joins Ferrari LaFerrari and McLaren P1 in rare offering of the famed ‘Holy Trinity' of hypercars | 2015 Porsche 918 Spyder features Weissach Package and is the only known European-delivery example to be finished in historic Individualfarbe Sport Classic Grey | Ferrari LaFerrari in rare Grigio Ferro Metallizzato with recent high-voltage battery replacement and a 293-km McLaren P1 in MSO Storm Grey complete the trio | Auction highlights also include a Guards Red 2005 Porsche Carrera GT, a 2010 Ferrari 599 GTO, a 2022 Ferrari 812 Competizione in stunning Blu Tour de France, a 2020 Ferrari 488 Pista Piloti and a 1992 Jaguar XJ220

GlobeNewsWire·Sep 16, 2026
A True Driver's Ferrari Enzo to Lead Broad Arrow's Second Annual Las Vegas Auction

Broad Arrow announces an eminently usable, U.S.-delivery, Classiche-certified 2003 Ferrari Enzo to headline its 2026 Las Vegas Auction on October 31 | Broad Arrow's second annual Las Vegas Auction returns to Wynn Las Vegas in partnership with the fifth annual Concours at Wynn Las Vegas | Las Vegas Auction to feature approximately 70 exceptional collector cars spanning a variety of genres, marques, and price points, including a 1955 Mercedes-Benz 300 SL Gullwing Coupe | Additional information on early highlights and consignment opportunities available at broadarrowauctions.com Broad Arrow announces an eminently usable, U.S.-delivery, Classiche-certified 2003 Ferrari Enzo to headline its 2026 Las Vegas Auction on October 31 | Broad Arrow's second annual Las Vegas Auction returns to Wynn Las Vegas in partnership with the fifth annual Concours at Wynn Las Vegas | Las Vegas Auction to feature approximately 70 exceptional collector cars spanning a variety of genres, marques, and price points, including a 1955 Mercedes-Benz 300 SL Gullwing Coupe | Additional information on early highlights and consignment opportunities available at broadarrowauctions.com

Defense World·Sep 13, 2026
Holding Corp. Hagerty Sells 1,387,500 Shares of Hagerty (NYSE:HGTY) Stock

Hagerty, Inc. (NYSE: HGTY - Get Free Report) major shareholder Holding Corp. Hagerty sold 1,387,500 shares of the stock in a transaction that occurred on Friday, September 11th. The shares were sold at an average price of $11.47, for a total transaction of $15,914,625.00. Following the sale, the insider directly owned 9,250,000 shares of the company's

Filtered for Hagerty, Inc.More Headlines
04

Compare before deciding

Benchmark HGTY against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Hagerty, Inc. (HGTY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
HGTY logoHGTYHagerty, Inc.Current
$13.70$4.7B37.0322.23%3.37%7.72%0.12%
KNSL logoKNSLKinsale Capital Group, Inc.
$339.38$7.73B15.6818.04%28.49%29.06%—
PLMR logoPLMRPalomar Holdings, Inc.
$127.21$3.37B17.7458.16%18.61%21.61%—
HRTG logoHRTGHeritage Insurance Holdings, Inc.
$33.07$1B5.233.71%27.54%42.41%—
NODK logoNODKNI Holdings, Inc.
$14.76$302.31M-29.52-12.35%2.93%3.18%—
PGR logoPGRThe Progressive Corporation
$203.13$119.22B10.5616.32%12.93%35.45%—

Compare HGTY vs Peers

Hagerty, Inc. (HGTY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs KNSL

Most directly comparable listed peer for HGTY.

Scale Benchmark

vs PGR

Larger-name benchmark to compare HGTY against a more recognizable public peer.

Peer Set

Compare Top 5

vs KNSL, PLMR, HRTG, NODK

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

HGTY SEC Filings & Documents

Hagerty, Inc. (HGTY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 5, 2026·SEC

Material company update

Jul 17, 2026·SEC

Material company update

Jun 12, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Mar 4, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 5, 2026·SEC

FY 2026

May 6, 2026·SEC

FY 2025

Nov 4, 2025·SEC

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HGTY Frequently Asked Questions

Hagerty, Inc. (HGTY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Hagerty, Inc. growing?

Hagerty, Inc. (HGTY) grew revenue by 22.2% over the past year. This is strong growth.

Is HGTY profitable?

Yes, Hagerty, Inc. (HGTY) is profitable, generating $25.5M in net income for fiscal year 2025 (3.4% net margin).

Dividend & Returns
Does HGTY pay dividends?

Yes, Hagerty, Inc. (HGTY) pays a dividend with a yield of 0.12%. This makes it attractive for income-focused investors.

What is HGTY's return on equity?

Hagerty, Inc. (HGTY) has a return on equity (ROE) of 7.7%. This is below average, suggesting room for improvement.

Industry Metrics
What is Hagerty, Inc.'s combined ratio?

Hagerty, Inc. (HGTY) has a combined ratio of 90.4%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in HGTY back in 2019?

Total return calculator · dividends reinvested · 7+ years of data

See returns →