Hagerty, Inc. HGTY

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17.03 USD +1.14 (+7.17%)

At closeNov 3, 2026, 4:00 PM EST

17.03 0.00 0.00%

After hours · Nov 3, 4:00 PM ET

16.14 Day range 17.23
9.36 52-week range 17.23
YTD
+26.71%
1 year
+50.84%

Financial health

Altman Z-Score

3.33 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 30.5×
FY 2020: 14.3×FY 2021: -25.3×FY 2022: 21.6×FY 2023: 41.1×FY 2024: 96.5×FY 2025: 30.5×
FY 2020 5y median 30.5× FY 2025
P/S 0.9×
FY 2020: 0.3×FY 2021: 2.0×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.9×
FY 2020 5y median 0.8× FY 2025
P/B 4.1×
FY 2020: 1.2×FY 2021: -3.6×FY 2022: 11.7×FY 2023: 3.7×FY 2024: 3.6×FY 2025: 4.1×
FY 2020 5y median 3.7× FY 2025
P/FCF 6.5×
FY 2020: 3.1×FY 2021: -1072×FY 2022: 63.5×FY 2023: 5.5×FY 2024: 5.4×FY 2025: 6.5×
FY 2020 5y median 5.5× FY 2025
EV/EBITDA 6.8×
FY 2020: -3.2×FY 2021: -21.3×FY 2022: 9.6×FY 2023: 1.9×FY 2024: 6.1×FY 2025: 6.8×
FY 2020 5y median 6.1× FY 2025
EV/Sales 0.8×
FY 2020: -0.2×FY 2021: 1.2×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.7×FY 2025: 0.8×
FY 2020 5y median 0.7× FY 2025
FCF Yield 15.3%
FY 2020: 31.8%FY 2021: -0.1%FY 2022: 1.6%FY 2023: 18.1%FY 2024: 18.4%FY 2025: 15.3%
FY 2020 5y median 15.3% FY 2025

Profitability

Gross Margin 80.4%
FY 2020: 81.8%FY 2021: 54.4%FY 2022: 55.0%FY 2023: 78.2%FY 2024: 74.9%FY 2025: 80.4%
FY 2020 5y median 74.9% FY 2025
Operating Margin 9.6%
FY 2020: 3.0%FY 2021: -9.5%FY 2022: 1.3%FY 2023: 4.4%FY 2024: 7.9%FY 2025: 9.6%
FY 2020 5y median 4.4% FY 2025
Net Margin 3.4%
FY 2020: 2.0%FY 2021: -8.0%FY 2022: 3.9%FY 2023: 2.0%FY 2024: 1.4%FY 2025: 3.4%
FY 2020 5y median 2.0% FY 2025
ROE 15.9%
FY 2020: 8.7%FY 2021: 14.3%FY 2022: 54.1%FY 2023: 11.5%FY 2024: 7.2%FY 2025: 15.9%
FY 2020 5y median 14.3% FY 2025
ROIC 6.7%
FY 2020: 1.7%FY 2021: -5.3%FY 2022: 0.3%FY 2023: 1.8%FY 2024: 10.8%FY 2025: 6.7%
FY 2020 5y median 1.8% FY 2025
ROA 2.4%
FY 2020: 1.7%FY 2021: -4.5%FY 2022: 2.5%FY 2023: 1.3%FY 2024: 1.0%FY 2025: 2.4%
FY 2020 5y median 1.3% FY 2025

Growth (YoY)

Revenue 22.2%
FY 2020: 0.0%FY 2021: 15.4%FY 2022: 43.9%FY 2023: 22.0%FY 2024: 17.8%FY 2025: 22.2%
FY 2020 FY 2025
Operating Income 48.6%
FY 2020: 0.0%FY 2021: -467.5%FY 2022: 120.3%FY 2023: 303.5%FY 2024: 109.2%FY 2025: 48.6%
FY 2020 FY 2025
EPS (diluted) 270.0%
FY 2020: 0.0%FY 2021: -182.4%FY 2022: 87.3%FY 2023: 231.0%FY 2024: 7.1%FY 2025: 270.0%
FY 2020 FY 2025
Free Cash Flow 24.9%
FY 2020: 0.0%FY 2021: -102.4%FY 2022: 1105.8%FY 2023: 982.3%FY 2024: 31.3%FY 2025: 24.9%
FY 2020 FY 2025

Financial Health

Current Ratio 0.0×
FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.4×FY 2025: 0.0×
FY 2020 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.4×FY 2025: 0.0×
FY 2020 5y median 0.0× FY 2025
Debt / Equity 0.8×
FY 2020: 0.6×FY 2021: -0.4×FY 2022: 4.7×FY 2023: 1.4×FY 2024: 0.8×FY 2025: 0.8×
FY 2020 5y median 0.8× FY 2025
Net Debt / EBITDA -0.4×
FY 2020: -8.6×FY 2021: 14.7×FY 2022: -5.8×FY 2023: -5.4×FY 2024: -0.3×FY 2025: -0.4×
FY 2020 5y median -0.4× FY 2025
Interest Coverage 16.0×
FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 11.0×FY 2024: 0.0×FY 2025: 16.0×
FY 2020 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.4%
FY 2020: 2.7%FY 2021: 0.3%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.4%
FY 2020 5y median 0.0% FY 2025
Payout Ratio 11.4%
FY 2020: 39.3%FY 2021: -8.7%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 11.4%
FY 2020 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31