Stock AnalizHagerty, Inc. HGTY
Specialty Insurers · IPO 2021 · data as of November 13, 2026
Hagerty, Inc. (HGTY) is a financial company listed in the US with a market value of about $5.6B. In the twelve months to September 30, 2026 it had revenue of $1.4B and net income of $60M, a net margin of 4.4%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is future growth (4/5); the weakest is value (1/5).
Key numbers: a P/E of 269.5, a price to free cash flow of 19.9, 5-year revenue growth of 24% a year, a 5-year average ROIC of -0%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 67% below the current price.
Score: 2.2 / 5
Checks passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year revenue growth above 8% a year
- ROE above 15%
- More cash than debt, or low debt to equity
Checks not passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 6 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue | $1.4B | $1.5B | $1.2B | $1.0B | $788M | $619M | $500M |
| Net income | $60M | $149M | $78M | $28M | $32M | -$46M | $10M |
| Free cash flow | $280M | $194M | $156M | $107M | $11M | -$1M | $46M |
| EPS (diluted) | $0.04 | $0.43 | — | — | $0.39 | $-0.56 | $101.66 |
| Net margin | 4.4% | 10.2% | 6.3% | 2.7% | 4.1% | -7.5% | 2.0% |
| ROIC | — | — | 18.1% | 2.3% | -20.9% | — | 5.7% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 8 analysts is $17.12, 6% above the current price; targets range from $14.00 to $20.00; the consensus rating is “Buy”; expected EPS is $0.12 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Hagerty’s P/E ratio?
About 269.5, based on the last twelve months of diluted earnings per share (forward P/E about 30.5).
Is Hagerty stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 67% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Hagerty pay a dividend?
Not currently.
Is Hagerty a good stock to buy?
We do not give buy or sell advice. Hagerty scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.