# Hagerty Inc. (HGTY) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $13.55, market value $4.7 billion.

## Valuation
- **P/E (trailing): 104.2×** (5-yr avg 21.6×). Hagerty Inc. trades at 104.2× trailing earnings, well above its own five-year average of 21.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 23.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 9.6×**. Each dollar of revenue is priced at 9.6×.
- **Price / book: 6.4×**. The shares trade at 6.4× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 6.0%** (5-yr avg -0.1%). Free cash flow equals 6.0% of the market value, above its five-year average of -0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 1.0%**. The inverse of the P/E: 1.0% of the price is earned each year.

## Profitability
- **Net margin: 22.0%**. 22.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 67.4%**. A 67.4% return on equity is extremely high; check whether buybacks or debt have shrunk the equity base, which flatters the ratio.
- **Return on assets: 3.3%**. Each dollar of assets produces 3.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 23.5%** (3-yr 20.9%/yr, 5-yr 19.4%/yr). Revenue grew 23.5% over the last year, against 19.4% a year compounded over five years: growth is accelerating.
- **Free-cash-flow growth (3 yr): 160.9%/yr**. Free cash flow has compounded at 160.9% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $160 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Hagerty Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 17.8%** (YTD 0.8%, 3-mo 29.7%). The shares are up 17.8% over twelve months including dividends.
- **From 52-week high: -3.2%** (44.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 64**. An RSI of 64 is neutral.
- **Beta (1 yr): 0.17** (volatility 36%). Beta of 0.17 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HGTY · Page: https://foliofundamentals.com/stocks/hgty

Not investment advice.