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Hagerty, Inc.

HGTY

$18.39 ▼ -0.28 (-1.50%) at close

7 Visible periods

32 Metrics

Peer-ranked Benchmarks

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Health

Good

Bullish

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Analytical Summary

Hagerty, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap —

Dividend Yield —

Revenue Growth 21.4% ↗

Op. Margin 9.6% ↗

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 0.80

info Valuation on last close. End-of-day price, Nov 5, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.46B

↑ +21.4% —

Net Income Profit after all expenses

$149.22M

↑ +90.6% —

Operating Margin Operating profit as % of sales

9.6%

↑ +72.7% 55th

Long-Term Debt Long-term obligations

$177.91M

↑ +69.5% —

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Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

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Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns ↑

Financial Health

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	21.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+256%)	20.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+233%)	27.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+350%)	27.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+354%)	23.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+299%)	—	—
Net Income Growth YoY (%)	90.6% Excellent ↑ Excellent Improving Year-over-year change in net income	177.9% Excellent Excellent Year-over-year change in net income	-12.2% Weak Weak Year-over-year change in net income	N/M	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	22.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	24.7% Excellent Excellent Compound annual revenue growth over 3 years	26.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	23.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	9.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	5.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	1.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	-8.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	-1.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-107%)	3.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	—
Effective Tax Rate (%) (%)	-7.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	63.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	10.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	6.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	2.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	4.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	-7.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	2.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	7.1% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-5.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	67.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+462%)	52.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+334%)	30.4% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+153%)	54.1% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+351%)	14.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Debt to Equity (x)	0.80x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	1.41x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+17%)	1.83x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+52%)	-0.42x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-135%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	—	—	—	—	$7.52	$5.00K	—
Basic EPS, GAAP (USD)	—	—	—	$0.39	$-0.56	$101.66	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	—	$0.44	$0.27	$0.17	$-0.97	—	—
Tangible Book Value per Share (USD)	—	$-0.16	$-0.33	$-0.47	$-1.23	—	—
Basic Weighted Avg Shares (shares)	—	—	—	—	82.33M	100,000	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$177.91M	$104.97M	$130.68M	$108.28M	$136.50M	$70.00M	—
Total Equity (USD)	$221.32M	$150.32M	$92.70M	$59.25M	$-323.78M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$1.46B	$1.20B	$1.00B	$787.59M	$619.08M	$499.55M	—
Depreciation Expense (USD)	$37.52M	$38.91M	$45.81M	$33.89M	$22.14M	$11.80M	—
Net Income, GAAP (USD)	$149.22M	$78.30M	$28.18M	$32.08M	$-46.36M	$10.17M	—
Operating Cash Flow (USD)	$218.99M	$177.02M	$133.71M	$55.33M	$42.28M	$84.57M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Premiums Earned (USD)	$726.73M	$643.32M	$531.87M	$403.06M	$295.82M	$220.50M	—
Loss Ratio (%) (%)	39.3%	46.4%	41.5%	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 7 years · 25 quarters

Hagerty, Inc.

Analytical Summary

7-Year Financial Trajectory

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Bearish Risks

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