Hagerty, Inc.
Hagerty, Inc. Fundamental Analysis
Hagerty, Inc. (HGTY-WT) shows moderate financial fundamentals with a PE ratio of 104.17, profit margin of 3.18%, and ROE of 22.15%. The company generates $6.1B in annual revenue with strong year-over-year growth of 18.61%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 62.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze HGTY-WT's fundamental strength across five key dimensions:
Efficiency Score
WeakHGTY-WT struggles to generate sufficient returns from assets.
Valuation Score
ModerateHGTY-WT shows balanced valuation metrics.
Growth Score
ModerateHGTY-WT shows steady but slowing expansion.
Financial Health Score
ModerateHGTY-WT shows balanced financial health with some risks.
Profitability Score
ModerateHGTY-WT maintains healthy but balanced margins.
Key Financial Metrics
Is HGTY-WT Expensive or Cheap?
P/E Ratio
HGTY-WT trades at 104.17 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, HGTY-WT's PEG of 0.60 indicates potential undervaluation.
Price to Book
The market values Hagerty, Inc. at 15.22 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 28.25 times EBITDA. This signals the market has high growth expectations.
How Well Does HGTY-WT Make Money?
Net Profit Margin
For every $100 in sales, Hagerty, Inc. keeps $3.18 as profit after all expenses.
Operating Margin
Core operations generate 7.40 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $22.15 in profit for every $100 of shareholder equity.
ROA
Hagerty, Inc. generates $2.01 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Hagerty, Inc. produces operating cash flow of $797.33M, showing steady but balanced cash generation.
Free Cash Flow
Hagerty, Inc. generates strong free cash flow of $695.83M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.40 in free cash annually.
FCF Yield
HGTY-WT converts 3.86% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
104.17
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.60
vs 25 benchmark
P/B Ratio
Price to book value ratio
15.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.96
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.38
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.22
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How HGTY-WT Stacks Against Its Sector Peers
| Metric | HGTY-WT Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 104.17 | 18.86 | Worse (Expensive) |
| ROE | 22.15% | 847.00% | Weak |
| Net Margin | 3.18% | 4202.00% | Weak |
| Debt/Equity | 0.38 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 1.00 | 667.17 | Weak Liquidity |
| ROA | 2.01% | -21543.00% (disorted) | Weak |
HGTY-WT outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Hagerty, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
184.12%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
2338.97%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
232.40%
Industry Style: Value, Dividend, Cyclical
High Growth