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Hagerty, Inc. (HGTY) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Hagerty, Inc.

HGTYMarket cap $1.41BPrice $13.8

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Insures classic cars, vintage motorcycles, and collector vehicles that regular insurers don't understand or want to touch. Built a media and marketplace empire around car culture, turning policyholders into a passionate community that fuels its valuation beyond typical insurance metrics.

In Bastion Portfolios?

52W Return+22%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+23%9

Revenue Forecast

Rev CAGR (1y)-8%1

Rev CAGR (3y)+2%2

Rev CAGR (5y)+3%2

Earnings Forecast

EPS Growth Y+1-83%1

EPS Growth Y+2+2899%10

EPS Growth Y+3+23%8

Quality

Margins

EBIT Margin13%6

Net Income Margin1%2

Free Cash Flow Margin20%8

Debt

Net Debt/EBITDA-3.310

Efficiency

ROE8%4

ROA3%5

Earnings Stability44

GEAR+AVERAGE41

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)108

P/E Ratio (Forward 3y)610

P/BV22.11

EV Multiples

EV/EBITDA Fwd48

EV/EBIT Fwd528

Yield

Free Cash Flow Yieldna1

Dividend Yieldna–

Momentum

Short term

1 month return+2%9

3 month return+14%9

YTD return+3%5

Mid term

Price vs 52wHigh98%10

1 year return+16%7

Long term

3 year return+73%7

5 year return+37%5

Risk Shield

Price Risk

Beta0.76

Volatility35%6

Free Cash Flow

Free Cash Flow Margin20%8

Free Cash Flow Yieldna1

Quality

ROCE19%5

Earnings Stability44

Net Debt/EBITDA-3.310

02Growth

Is it actually growing, and how fast?

HGTYHagerty

Revenue FY25$1.5B

GROWTH RATING↗

WEAK19 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+23%9

Revenue, next 1Y-8%1

Revenue, next 3Y, CAGR+2%2

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-83%1

EPS growth, FY27E+2899%10

EPS growth, FY28E+23%8

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 23%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

WATCH

Revenue grew 23%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

Earnings are set to grow faster than sales (EPS about 23%/yr vs revenue 2%/yr), so margins should widen. One year dips: EPS falls 83% next year.

WEAKNESSES

Growth is the weak spot here, trailing 81% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG87 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+2%9

3-month return+14%9

YTD return+3%5

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+16%7

3-year return+73%7

5-year return+37%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 16% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+2%) and over three months (+14%).

WATCH

Average long-term results. Multi-year returns are middling (+73% over three years and +37% over five), roughly average for the market.

Returns sit at the market level so far this year (+3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Hagerty, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

HGTYHagerty

Revenue FY25$1.5B

GROWTH RATING↗

WEAK19 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+23%9

Revenue, next 1Y-8%1

Revenue, next 3Y, CAGR+2%2

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-83%1

EPS growth, FY27E+2899%10

EPS growth, FY28E+23%8

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 23%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

WATCH

Revenue grew 23%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

Earnings are set to grow faster than sales (EPS about 23%/yr vs revenue 2%/yr), so margins should widen. One year dips: EPS falls 83% next year.

WEAKNESSES

Growth is the weak spot here, trailing 81% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG87 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+2%9

3-month return+14%9

YTD return+3%5

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+16%7

3-year return+73%7

5-year return+37%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 16% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+2%) and over three months (+14%).

WATCH

Average long-term results. Multi-year returns are middling (+73% over three years and +37% over five), roughly average for the market.

Returns sit at the market level so far this year (+3%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Hagerty, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community