Hagerty, Inc. (HGTY) is a publicly traded company in the Financial Services — Insurance - Property & Casualty industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Hagerty, Inc. operates globally, serving as an insurance agency that specializes in policies for automobiles and boats, in addition to offering reinsurance products. Beyond its core insurance offerings, the company provides a suite of services and platforms: Hagerty Media distributes content through its HDC Magazine, various video productions, and a dedicated YouTube channel.
Is Hagerty, Inc. stock overvalued or undervalued in 2026?
Hagerty, Inc. (HGTY) trades at 158× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROE del 9,8 % (1.5×) $4 (-71 %); at its peers' median (2.0×) $6 (-62 %).
Kaplio overview: Hagerty, Inc.
Market cap $5B · 52 weeks $10 – $16 (3 % below the high) · P/E 158× · 2027 expected P/E 26.6× · Dividend none · Next earnings November 3, 2026 · expected EPS $0.01 · Closing price, Oct 30 · accounts published Aug 5.
- Valuation: P/B 5.2× (expensive).
- Business: 5-year op. margin 2.7 % (weak).
- Balance sheet: Debt/Equity 0.87 (fragile).
- Earnings: 6 of 8 (on track).
What would it be worth at its usual multiples?
At a P/B justified by its ROE del 9,8 % (1.5×) $4 (-71 %); at its peers' median (2.0×) $6 (-62 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in insurance: 0 of 5 pass
- Op Margin 5y (Combined Ratio proxy) 2.7 %, fails.
- Book Value / Share growth 0.2 %, fails.
- Debt / Equity 0.87, fails.
- P/B (Price / Book) 5.2×, fails.
- Dividend growth streak 1 años, fails.
Against its peers (reference peers) — Hagerty, Inc.: P/E 158×; P/B 5.2×; ROE 9.8 %; $5.4B. Mercury General Corporation (P/E 6.0×; P/B 2.0×; ROE 37.2 %; $5.7B), Selective Insurance Group, Inc. (P/E 12.3×; P/B 1.8×; ROE 14.3 %; $5.9B), CNO Financial Group, Inc. (P/E 19.8×; P/B 2.0×; ROE 10.8 %; $5.3B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 5.2× · median 2.0× · minimum 1.2× · maximum 5.2× · cheap below 1.8× · expensive above 3.0×. It has been cheaper than today 100% of the time over its last ten fiscal years.
Dividend
tight (only raised recently) · Yield 0.00 % ($0.06 per share in 2025) · Free cash flow coverage payout 11 %.
Profitability
| Return on Equity | 9.81% |
| Return on Invested Capital | 2.36% |
| Return on Assets | 1.19% |
| Gross Margin | 75.24% |
| Operating Margin | 2.45% |
| Net Margin | 1.81% |
Financial Health
| Debt / Equity | 0.87 |
| Current Ratio | 0.00 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 1.53 |
Price Performance
| 1 month | +14.86% |
| 3 months | +34.08% |
| Year-to-date | +15.03% |
| 1 year | +37.79% |
| 3 years | +97.19% |
| 5 years | +53.07% |
Related companies: SIGI · TCBI · TFSL · CRVL · MCY · CNO · AGO · PJT
Explore sector: Financial Services · Insurance - Property & Casualty
More sections of HGTY: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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