Hagerty, Inc. (HGTY) — Stock Score Summary

Hagerty, Inc. (HGTY) has a MoatMap StockRank of 54/100 based on Quality (72/100), Value (39/100), and Momentum (29/100) factor scores. The current signal is HOLD. Hagerty is a high-quality compounder (Q: 72) with a deeply loyal enthusiast customer base and a strong brand moat in classic car insurance. While it lacks direct alignment with our 18-month macro themes, its capital-light model and high retention rates make it a classic Terry Smith/Nick Sleep style business worth monitoring for a better entry point.

Hagerty, Inc. is a specialty insurance provider and automotive enthusiast brand dedicated to classic, collector, and high-value vehicles. The company commands a dominant market position in its niche, leveraging a proprietary vehicle valuation database and a highly engaged membership club to drive customer loyalty and high retention rates. Operating primarily as a Managing General Agent (MGA) with strategic reinsurance partnerships, Hagerty combines capital-light insurance distribution with a unique lifestyle brand ecosystem.

Key Financial Metrics

Price$10.62
Market Cap$3.5B
P/E (TTM)43.54
P/E (Forward)18.33
Price/Book4.75
Return on Equity15.0%
Debt/Equity32.05
Gross Margin60.0%
Operating Margin12.7%
Revenue Growth-5.0%
Free Cash Flow$345M

Hagerty, Inc. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Hagerty, Inc.’s (HGTY) StockRank?
MoatMap’s StockRank for Hagerty, Inc. (HGTY) is 54/100, with a Hold signal. It is a composite of Quality (72), Value (39), and Momentum (29) factor ranks across MoatMap’s 19,000+ stock universe.
Does Hagerty, Inc. have an economic moat?
Hagerty, Inc. (HGTY) has a Quality factor score of 72/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Hagerty, Inc. a buy, hold, or sell?
MoatMap’s current signal for Hagerty, Inc. (HGTY) is Hold, based on a StockRank of 54/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Hagerty, Inc. in?
Hagerty, Inc. (HGTY) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).
Browse all ranked stocksHGTY deep dive reportAI ChampionsHow we score stocksSense-check another stock