Hagerty Inc (HGTY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hagerty Inc stock (HGTY) is currently trading at $10.66. Hagerty Inc PE ratio is 28.35. Hagerty Inc PS ratio (Price-to-Sales) is 2.47. Analyst consensus price target for HGTY is $13.57. WallStSmart rates HGTY as Moderate Buy.
- HGTY PE ratio analysis and historical PE chart
- HGTY PS ratio (Price-to-Sales) history and trend
- HGTY intrinsic value — DCF, Graham Number, EPV models
- HGTY stock price prediction 2025 2026 2027 2028 2029 2030
- HGTY fair value vs current price
- HGTY insider transactions and insider buying
- Is HGTY undervalued or overvalued?
- Hagerty Inc financial analysis — revenue, earnings, cash flow
- HGTY Piotroski F-Score and Altman Z-Score
- HGTY analyst price target and Smart Rating
Hagerty Inc
📊 No data available
Try selecting a different time range
HGTY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hagerty Inc (HGTY)
HGTY trades at a significant discount to its Graham intrinsic value of $17.32, offering a 32% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hagerty Inc (HGTY) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, eps growth. Concerns around profit margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Hagerty Inc (HGTY) Key Strengths (5)
Growing significantly faster than its price suggests
Earnings per share surging 410.30% year-over-year
89.93% of shares held by major funds and institutions
Every $100 of equity generates $21 in profit
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Hagerty Inc (HGTY) Areas to Watch (5)
Very thin margins, barely profitable
Premium pricing at 4.8x book value
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.47x sales
Solid revenue growth at 16.50% per year
Supporting Valuation Data
Hagerty Inc (HGTY) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, EPS Growth, Institutional Own.. Valuation metrics including PEG Ratio (0.23) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 20.90%. Growth metrics are encouraging with EPS Growth at 410.30%.
The Bear Case
The primary concerns are Profit Margin, Price/Book, Operating Margin. Some valuation metrics including Price/Sales (2.47), Price/Book (4.79) suggest expensive pricing. Growth concerns include Revenue Growth at 16.50%, which may limit upside. Profitability pressure is visible in Operating Margin at 18.60%, Profit Margin at 2.85%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Profit Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 20.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 16.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, EPS Growth) and negatives (Profit Margin, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HGTY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HGTY's Price-to-Sales ratio of 2.47x trades 73% above its historical average of 1.43x (90th percentile), historically expensive. The current valuation is 11% below its historical high of 2.77x set in Mar 2026, and 238% above its historical low of 0.73x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~0.8x, reflecting growing market expectations outpacing revenue growth.
Compare HGTY with Competitors
Top INSURANCE - PROPERTY & CASUALTY stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Hagerty Inc (HGTY) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Hagerty Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.5B with 17% growth year-over-year. Profit margins are thin at 2.9%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 20.9% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 23M in free cash flow and 29M in operating cash flow. Earnings are translating into actual cash generation.
Profit margin at 2.9% is thin. While this is common for high-growth companies, margins need to expand as growth naturally decelerates.
What to Watch Next
Margin expansion: can Hagerty Inc push profit margins above 15% as the business scales?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Hagerty Inc.
Bottom Line
Hagerty Inc offers an attractive blend of growth (17% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(23 last 3 months)
| Insider | Type | Shares |
|---|---|---|
KUCZINSKI, ANTHONY J Director | Buy | +4,000 |
| Insider | Type | Shares |
|---|---|---|
KUCZINSKI, ANTHONY J Director | Buy | +15,000 |
Data sourced from SEC Form 4 filings
Last updated: 10:04:31 AM
About Hagerty Inc(HGTY)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Hagerty Inc. is a leading specialty insurance provider focused on the automotive enthusiast segment, offering comprehensive coverage tailored for vintage cars, motorcycles, and collectible vehicles. The company's unique subscription-based model not only delivers robust insurance solutions but also cultivates a vibrant community for car enthusiasts through events and digital platforms. Leveraging its deep expertise in the collector car market, Hagerty has diversified its offerings to include valuation tools and investment opportunities, further enhancing its value proposition. As interest in classic car ownership continues to rise, Hagerty's innovative strategies and strong brand loyalty position it for sustained growth in the lucrative automotive collectibles niche.