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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#982
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$4.1B
McKeel O. Hagerty
Hagerty, Inc. provides insurance agency services worldwide. It offers automobile and boat insurance products; and reinsurance products. The company also publishes contents through the HDC Magazine, video content, YouTube channel. In addition, it offers DriveShare, a peer-to-peer rental platform.
Headcount
1.7K
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = HGTY ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$HGTY Hagerty, Inc. | 57 | 79 | 54 | 59 | 8.3x | 10.8x | 22.2% | 6.5% | 82.0% | 8.3% | 9.8% | 21.3% | 0.0% | 17.0x | $4.1B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Hagerty, Inc. (HGTY) receives a "Hold" rating with a composite score of 57.3/100. It ranks #982 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
Pending Verification
In-line with peers — no strong momentum signal
Fair valuation relative to peers
High profitability & efficiency — strong quality floor supports entry
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for HGTY.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 79 | 95 | -16DRAG |
| MOMENTUM | 59 | 63 | -4NEUTRAL |
| VALUATION | 54 | 74 | -20DRAG |
| INVESTMENT | 27 | 28 | -1NEUTRAL |
| STABILITY | 48 | 46 | +2NEUTRAL |
| SHORT INT | 57 | 70 | -13DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 22.2% (sector 9.0%)
GM 82% vs sector 78%, OM 8% vs sector 18%
Capital turnover N/A
Rev growth 21%, 5yr history
Interest coverage N/A, Net debt/EBITDA -1.6x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Hagerty, Inc. (HGTY) as a Hold with a composite score of 57.3/100 at a current price of $11.40. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Hagerty, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 57.3/100 places it at rank #982 in our full universe.
Narrow
Low
Standard
Fair Value
Gross margins of 82% signal strong pricing power.
Returns on equity of 22.2% exceed cost of capital.
Stable competitive position in a defensive sector.
Vulnerability to macroeconomic shocks and interest rate volatility.
Hagerty, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns Hagerty, Inc. a Hold rating, with a composite score of 57.3/100 and 3 out of 5 stars. Ranked #982 of 7,333 stocks, HGTY presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
HGTY earns a quality score of 79/100, indicating above-average business quality. The company reports a return on equity of 22.2% (sector avg: 9.0%), gross margins of 82.0% (sector avg: 77.7%), net margins of 9.8% (sector avg: 21.9%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
HGTY's value score of 54/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 8.33x, an EV/EBITDA of 10.76x, a P/B ratio of 1.85x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
Hagerty, Inc.'s investment score of 27/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 21.3% vs. a sector average of 10.7% and a return on assets of 6.5% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
HGTY demonstrates moderate momentum with a score of 59/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 21.3% year-over-year, while a beta of 0.55 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 48/100, HGTY exhibits average financial resilience. Key stability metrics include a beta of 0.55 and a debt-to-equity ratio of 17.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 57/100 for HGTY suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 17.00x). With a $4.1B market cap (mid-cap), Hagerty, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Hagerty, Inc. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #982 of 7,333 overall (87th percentile). Key comparisons include ROE of 22.2% exceeding the 9.0% sector median and operating margins of 8.3% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While HGTY currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Quality (79) vs Investment (27) — closing this gap could shift the rating.
EV/EBITDA 38% ABOVE SECTOR MEDIAN
ROE 146% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 6% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
Hagerty (HGTY) is gaining investor attention following a Q3 2025 earnings beat and the extension of key agreements with Markel Group and Essentia Insurance through 2028. While a popular narrative suggests the stock is 9.2% undervalued with a fair value of $13.86, a discounted cash flow (DCF) analysis indicates it might be overvalued at $4.28 per share. Investors are left to weigh these differing valuation perspectives in light of recent share price movements and partnership developments.
This article analyzes Hagerty (HGTY) valuation after a period of flat trading and a recent pullback. It discusses the company's performance, including a 31.2% one-year return and 4.3% annual revenue growth, and presents a "narrative fair value" of $13.86, suggesting the stock is 8.6% undervalued due to anticipated growth from a State Farm partnership. However, it also notes a cautious P/E ratio of 38.2x, significantly higher than the industry average, questioning if future growth is already priced in.
This article analyzes Hagerty Inc. Class A (NASDAQ: HGTY), highlighting a strong near-term sentiment with a potential shift to long-term positive bias. It details AI-generated trading strategies including position trading, momentum breakout, and risk hedging, along with multi-timeframe signal analysis for support and resistance levels. The report also notes an exceptional 27.2:1 risk-reward short setup.
Kenneth Ahn, President of Hagerty Marketplace, sold 50,000 shares of Hagerty (NASDAQ: HGTY) Class A Common Stock for $620,500 on January 26, 2026, then immediately acquired 50,000 shares through a conversion for $0. Following these transactions, Ahn directly owns 113,593 shares and indirectly holds 775,213 Released Units. The company, which appears undervalued with a $4.28 billion market cap despite a high P/E of 38.02, recently beat Q3 2025 earnings expectations and received an increased price target from Keefe, Bruyette & Woods.
Kenneth Ahn, President of Hagerty Marketplace at Hagerty, Inc. (NASDAQ:HGTY), recently sold 50,000 shares of Class A Common Stock for $627,500. This sale occurred on January 20, 2026, with prices ranging from $12.38 to $12.67 per share. The company has shown strong revenue growth and is trading at a low P/E ratio relative to its near-term earnings growth.