Last 23 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 29.38 | — | 51.93 | 27.36 | 27.09 | 34.35 | 189.96 | 75.67 | 26.10 | — | 57.52 | 53.05 | 83.27 |
| — | — | -72.7% | -63.8% | +3.8% | — | +230.2% | +42.6% | -68.7% | — | — | +71.8% | — | |
| P/S Ratio | 2.56 | 0.85 | 3.26 | 2.75 | 0.62 | 2.45 | 0.74 | 0.71 | 0.72 | 0.73 | 2.63 | 0.62 | 0.77 |
| — | -65.2% | +338.2% | +289.5% | -13.1% | +235.8% | -71.6% | +13.1% | -7.2% | -12.7% | +201.8% | -83.1% | -83.7% | |
| P/B Ratio | 5.05 | 1.65 | 6.24 | 6.64 | 1.59 | 5.88 | 1.66 | 1.74 | 1.66 | 1.53 | 5.49 | 1.44 | 1.75 |
| — | -72.0% | +276.1% | +282.2% | -4.7% | +283.6% | -69.8% | +20.4% | -4.8% | -24.9% | +188.4% | -81.4% | -86.6% | |
| P/FCF | 19.19 | 31.14 | 50.55 | 12.26 | 4.80 | 20.36 | — | 3.68 | 3.93 | 3.61 | 85.97 | 3.06 | 3.95 |
| — | +52.9% | — | +233.7% | +22.1% | +464.6% | — | +20.0% | -0.3% | -92.9% | — | -91.2% | -83.4% | |
| EV / EBITDA | 20.75 | — | 23.22 | 47.51 | 4.24 | 19.30 | 10.81 | 9.34 | 3.31 | 2.56 | 22.65 | 1.36 | 3.47 |
| — | — | +114.8% | +408.4% | +28.1% | +655.3% | -52.3% | +588.7% | -4.7% | -94.9% | — | -92.9% | -98.1% | |
| EV / EBIT | 26.34 | — | 28.95 | 81.04 | 4.94 | 24.89 | 17.93 | 14.12 | 3.99 | 4.58 | 40.78 | 1.99 | 5.34 |
| — | — | +61.5% | +474.0% | +23.7% | +443.4% | -56.0% | +611.2% | -25.3% | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Hagerty, Inc.'s operating margin was -6.7% in Q1 2026, down 17.8 pp QoQ and down 17.0 pp YoY. The trailing four-quarter average of 5.6% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 28.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 80.4% | 68.6% | 83.1% | 79.3% | 79.6% | 53.5% | 75.3% | 69.2% | 79.2% | 76.5% | 76.3% | 79.2% | 79.4% |
| — | +28.1% | +10.4% | +14.6% | +0.5% | -30.0% | -1.3% | -12.6% | -0.2% | -1.6% | -0.9% | — | +36.4% | |
| Operating Margin | 9.6% | -6.7% | 11.1% | 3.5% | 14.5% | 10.3% | 4.8% | 5.6% | 15.6% | 5.0% | 5.3% | 8.4% | 7.4% |
| — | -165.5% | +133.2% | -37.0% | -7.0% | +104.4% | -9.8% | -33.7% | +109.7% | +196.3% | +136.3% | -29.0% | +542.6% | |
| Net Margin | 3.4% | -1.4% | 2.5% | 5.5% | 3.0% | 2.6% | 1.1% | 1.5% | 3.3% | -0.5% | 5.6% | 1.9% | 0.9% |
| — | -155.0% | +132.1% | +262.7% | -10.7% | +614.9% | -81.2% | -21.9% | +259.7% | +47.2% | +346.4% | -73.1% | +133.6% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.7% | -0.6% | 1.3% | 3.5% | 2.0% | 1.6% | 0.6% | 0.9% | 2.0% | -0.3% | 3.0% | 1.1% | 0.6% |
| — | -140.7% | +116.5% | +274.7% | -0.9% | +686.0% | -80.3% | -19.4% | +237.8% | +53.3% | +346.4% | -74.3% | +130.9% | |
| ROA | 2.6% | -0.2% | 0.4% | 1.0% | 0.6% | 0.5% | 0.2% | 0.3% | 0.6% | -0.1% | 0.9% | 0.3% | 0.2% |
| — | -146.2% | +137.3% | +261.1% | -9.5% | +649.7% | -81.0% | -19.3% | +273.3% | +46.7% | +365.1% | -72.5% | +132.8% | |
| ROIC | 17.9% | -3.3% | 4.1% | 1.3% | 5.8% | 3.7% | 1.6% | 2.6% | 18.5% | — | 142.7% | 84.1% | 16.8% |
| — | -187.7% | +151.7% | -47.8% | -68.7% | — | -98.9% | -96.9% | +10.4% | — | +148.7% | — | +1317.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.31 | — | 0.31 | 0.48 | 0.48 | 0.49 | 0.44 | 0.48 | 0.37 | 0.39 | 0.48 | 0.38 | 0.53 |
| — | — | -30.0% | +0.8% | +29.7% | +26.1% | -7.9% | +26.9% | -30.3% | -45.5% | -36.1% | +7.7% | +76.6% | |
| Debt / EBITDA | 1.32 | — | 4.70 | 13.31 | 4.46 | 6.18 | 10.10 | 9.22 | 3.38 | 8.22 | 9.70 | 5.29 | 8.19 |
| — | — | -53.5% | +44.3% | +31.7% | -24.9% | +4.1% | +74.3% | -58.7% | -92.3% | — | +28.8% | -53.5% | |
| Current Ratio | — | — | — | 0.78 | 0.80 | 0.75 | 0.65 | 0.73 | — | — | — | — | — |
| — | — | — | +6.4% | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | — | — | 0.78 | 0.80 | 0.75 | 0.65 | 0.73 | — | — | — | — | — |
| — | — | — | +6.4% | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 16.01 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 23 years · Updated daily
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Quick answers to the most common questions about buying HGTY stock.
Hagerty, Inc.'s current P/E is 29.4x. The average P/E over the last 3 quarters is 35.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Hagerty, Inc.'s current operating margin is 9.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Hagerty, Inc.'s business trajectory between earnings reports.