HGTY
NEUTRAL
$10.72
Live
Hagerty, Inc. · NYSE
Target $13.29
(+23.9%)
$8.61
52W Range
$14.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 28, 2026
Market cap
$1.08B
P/E
28.97
ROE
20.9%
Profit margin
2.8%
Debt/Equity
0.3
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
HGTY presents a stable financial profile with a Piotroski F-Score of 4/9 and a current price ($10.72) trading almost exactly at its intrinsic value ($10.91). While the company exhibits explosive earnings growth (410% YoY) and an exceptionally low PEG ratio of 0.23, these fundamentals are countered by a bearish technical trend and negative insider sentiment. The Graham Number of $4.28 indicates the stock is priced at a significant premium to its defensive value. Overall, the strong operational performance is currently balanced by poor market momentum and insider divestment.
Key Strengths
Exceptional earnings growth (410% YoY)
Very low PEG ratio (0.23) suggesting growth is not fully priced in
Strong ROE of 20.91% indicating efficient equity usage
Conservative leverage with a Debt/Equity ratio of 0.30
Strong earnings track record with 3/4 beats and high average surprises (72.13%)
Key Risks
Bearish technical trend (0/100) indicating lack of price momentum
Net bearish insider activity with recent selling by officers and directors
Significant premium over the Graham Number ($4.28) defensive value
Thin net profit margin (2.85%) leaving little room for operational error
Lack of dividend yield to provide a price floor during volatility
AI Fair Value Estimate
Based on comprehensive analysis
$11.2
+4.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
51
Moderate
50
90
60
55
0
AI Verdict
Fundamental growth powerhouse facing technical and sentiment headwinds.
Key drivers: Extreme EPS growth, Low PEG ratio, Bearish technicals, Insider selling
Confidence
90%
Value
50/100
Ref P/E, PEG, Graham Number
Positives
- PEG ratio of 0.23 is highly attractive
- Price/Sales ratio (0.74) is low
Watchpoints
- Current price is 150% above Graham Number
- P/E of 28.97 is elevated
Future
90/100
Ref Growth rates
Positives
- 410% YoY Earnings growth
- 16.5% Revenue growth
- Consistent earnings beats
Watchpoints
- Recent Q/Q EPS growth decline (-38.5%)
Past
60/100
Ref Historical trends
Positives
- Strong 1Y price change (+21.8%)
Watchpoints
- Negative 6M price change (-4.1%)
- Technical trend is 0/100
Health
55/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low Debt/Equity (0.30)
- Healthy Current Ratio (1.42)
Watchpoints
- Piotroski F-Score of 4/9 is only 'Stable', not 'Strong'
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield
- 0/100 Dividend strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$10.72
Analyst Target
$13.29
Upside/Downside
+23.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HGTY and closest competitors.
Updated 2026-04-27
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HGTY
Hagerty, Inc.
Primary
|
+9.9% | +7.1% | +21.8% | -4.1% | +3.2% | -1.3% |
|
ASST
Strive Asset Management, LLC
Peer
|
-95.1% | -95.1% | -17.8% | -78.9% | +1.0% | -8.1% |
|
GSBD
Goldman Sachs BDC, Inc.
Peer
|
-6.4% | +7.1% | +5.5% | +4.0% | +11.5% | -1.0% |
|
OCFC
OceanFirst Financial Corp.
Peer
|
+0.4% | +24.9% | +28.5% | +5.6% | +6.8% | +0.5% |
|
MFIC
MidCap Financial Investment Corporation
Peer
|
+50.0% | +48.5% | +19.2% | +7.2% | +14.0% | +2.0% |
HGT
Hagerty, Inc.
Primary
5Y
+9.9%
3Y
+7.1%
1Y
+21.8%
6M
-4.1%
1M
+3.2%
1W
-1.3%
ASS
Strive Asset Management, LLC
Peer
5Y
-95.1%
3Y
-95.1%
1Y
-17.8%
6M
-78.9%
1M
+1.0%
1W
-8.1%
GSB
Goldman Sachs BDC, Inc.
Peer
5Y
-6.4%
3Y
+7.1%
1Y
+5.5%
6M
+4.0%
1M
+11.5%
1W
-1.0%
OCF
OceanFirst Financial Corp.
Peer
5Y
+0.4%
3Y
+24.9%
1Y
+28.5%
6M
+5.6%
1M
+6.8%
1W
+0.5%
MFI
MidCap Financial Investment Corporation
Peer
5Y
+50.0%
3Y
+48.5%
1Y
+19.2%
6M
+7.2%
1M
+14.0%
1W
+2.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
28.97
Forward P/E
18.09
PEG Ratio
0.23
P/B Ratio
4.88
P/S Ratio
0.74
EV/Revenue
0.65
EV/EBITDA
4.33
Market Cap
$1.08B
Profitability
Profit margins and return metrics
Profit Margin
2.85%
Operating Margin
18.64%
Gross Margin
62.3%
ROE
20.91%
ROA
5.92%
Growth
Revenue and earnings growth rates
Revenue Growth
+16.5%
Earnings Growth
+410.3%
Q/Q Revenue Growth
+33.03%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.3
Low debt
Current Ratio
1.42
Good
Quick Ratio
1.11
Good
Cash/Share
$8.82
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.4B
Net Margin
2.3%
Total Assets
$2.1B
Liabilities
$1.4B
Equity
$0.2B
Debt/Equity
6.48x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
79%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-06
$N/A
2026-02-26
$0.08
+139.6% surprise
2025-11-04
$0.13
+62.2% surprise
2025-08-04
$0.13
+14.6% surprise
Financial Services Sector Comparison
Comparing HGTY against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
28.97
This Stock
vs
36.01
Sector Avg
-19.5%
(Discount)
Return on Equity (ROE)
20.91%
This Stock
vs
-0.73%
Sector Avg
-2953.3%
(Below Avg)
Profit Margin
2.85%
This Stock
vs
91.62%
Sector Avg
-96.9%
(Weaker)
Debt to Equity
0.3
This Stock
vs
1.36
Sector Avg
-78.0%
(Less Debt)
Revenue Growth
16.5%
This Stock
vs
35.27%
Sector Avg
-53.2%
(Slower)
Current Ratio
1.42
This Stock
vs
3.18
Sector Avg
-55.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HGTY
Hagerty, Inc.
|
NEUTRAL | $1.08B | 28.97 | 20.9% | 2.8% | $10.72 | |
|
ASST
Strive Asset Management, LLC
|
BEARISH | $1.09B | - | -% | -% | $0.87 | Compare |
|
GSBD
Goldman Sachs BDC, Inc.
|
BEARISH | $1.09B | 9.39 | 8.0% | 32.6% | $9.67 | Compare |
|
OCFC
OceanFirst Financial Corp.
|
NEUTRAL | $1.09B | 16.16 | 4.2% | 18.3% | $19.07 | Compare |
|
MFIC
MidCap Financial...
|
BEARISH | $1.1B | 17.32 | 4.7% | 19.7% | $11.78 | Compare |
HGTY
Hagerty, Inc.
NEUTRAL
Mkt Cap
$1.1B
P/E
29.0
ROE
20.9%
Price
$10.72
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-07 | HARRIS LAURIE L | Director | Sale | 5,531 | $60,896 |
| 2026-04-02 | MCCLYMONT PATRICK S | Chief Financial Officer | Stock Award | 54,975 | $9,745 |
| 2026-04-02 | CHAFEY DIANA M | Officer | Stock Award | 24,907 | $11,801 |
| 2026-04-01 | KAUFFMAN ROBERT I | Director | Stock Award | 11,871 | - |
| 2026-04-01 | SWANSON WILLIAM H | Director | Stock Award | 11,871 | - |
| 2026-04-01 | DELANEY KEVIN M | Officer | Stock Award | 17,614 | - |
| 2026-04-01 | HEATON MICHAEL R | Director | Stock Award | 11,871 | - |
| 2026-04-01 | KAY SABRINA | Director | Stock Award | 11,871 | - |
| 2026-04-01 | CHAMPAGNE COLLETTE | Officer | Stock Award | 23,742 | - |
| 2026-04-01 | SALMI MIKA | Director | Stock Award | 11,871 | - |
| 2026-04-01 | AHN KENNETH | Officer | Stock Award | 23,149 | - |
| 2026-04-01 | HARBERT RANDALL HOUSTON | Director | Stock Award | 11,871 | - |
| 2026-04-01 | KUCZINSKI ANTHONY J | Director | Stock Award | 11,871 | - |
| 2026-04-01 | PAGE RUSSELL ANDREW | Chief Technology Officer | Stock Award | 30,865 | - |
| 2026-04-01 | BRIGLIA JEFFREY EDWARD | Officer | Stock Award | 46,297 | - |
HARRIS LAURIE L
Director
2026-04-07
5,531 shares
·
$60,896
MCCLYMONT PATRICK S
Chief Financial Officer
2026-04-02
54,975 shares
·
$9,745
CHAFEY DIANA M
Officer
2026-04-02
24,907 shares
·
$11,801
KAUFFMAN ROBERT I
Director
2026-04-01
11,871 shares
SWANSON WILLIAM H
Director
2026-04-01
11,871 shares
DELANEY KEVIN M
Officer
2026-04-01
17,614 shares
HEATON MICHAEL R
Director
2026-04-01
11,871 shares
KAY SABRINA
Director
2026-04-01
11,871 shares
CHAMPAGNE COLLETTE
Officer
2026-04-01
23,742 shares
SALMI MIKA
Director
2026-04-01
11,871 shares
AHN KENNETH
Officer
2026-04-01
23,149 shares
HARBERT RANDALL HOUSTON
Director
2026-04-01
11,871 shares
KUCZINSKI ANTHONY J
Director
2026-04-01
11,871 shares
PAGE RUSSELL ANDREW
Chief Technology Officer
2026-04-01
30,865 shares
BRIGLIA JEFFREY EDWARD
Officer
2026-04-01
46,297 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
10-K
8-K
8-K
10-Q
8-K
8-K
8-K
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
7 analysts
Wells Fargo
2026-04-09
Equal-Weight
Equal-Weight
JP Morgan
2026-01-07
Neutral
Neutral
Keefe, Bruyette & Woods
2025-11-12
Outperform
Outperform
Past News Coverage
Recent headlines mentioning HGTY from our newsroom.
Newest → oldest
No matching news yet.