Hagerty, Inc. · Insurance Agents, Brokers & Service

HGTY

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The short version

A profitable company with shrinking sales. Institutions are adding.

Going well

Profitable
Sales up 17% last year
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions added 3.5% to their holdings in the quarter ending June 2026 (65 bought, 41 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$15.94+2.3% that day

Company value: $5.5B; Share price times all shares
Price vs profit (P/E): 37.0x; You pay about $37 for each $1 of yearly profit
Price vs sales: 3.9x; Company value is 3.9 times a year of sales
Cash vs value: 5%; Cash as a share of company value
Debt vs value: 3%; Debt as a share of company value

From HGTY's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$354.8M-6.5% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $1.4B, up 5.2% from the 12 months before. Over 5 years, sales grew about 24% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of HGTY. Starting points are the company's recent numbers.

Sales growth+5% a yearRecently: +5.2% a yearProfit margin5%Last 12 months: 4.9%P/E at the end37xToday: 37.0x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$1.8B

Profit in 5 years$92M

Price these guesses point to$9.77-39% vs $15.94 todayAbout -9.3% a year, before dividends

What today's price needs: with a 5% margin and a 37x P/E, sales would have to grow about 16% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/5Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.80.3%
MissDebt under half of equityNot relying on borrowed money.0.80x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.10.2%
MissProfitable every yearSteady profits, not one good year.5 of 6 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$219.0M

Revenue: $1.5B; +17.3% vs prior year
5-year growth: +23.9%/yr; revenue, per year
Total debt: $177.9M; 0.80x equity
Free cash flow: $219.0M; 15.0% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: share count not growing. A checklist is a starting point for research, not a verdict.