Hagerty, Inc. (HGTY) Financials

HGTY

Trailing 12 months to June 30, 2026

Revenue $1.4B +3.8% YoY

Net Income $70.0M -31.3% YoY

Free Cash Flow $278.5M +111.7% YoY

Operating Cash Flow $307.4M +101.6% YoY

Market Cap $4.8B as of Oct 7, 2026

Price / Sales 3.4x on $1.4B revenue, trailing 12 months to June 30, 2026

Price / Earnings 67.9x on $70.0M net income, trailing 12 months to June 30, 2026

Price / Book 22.1x on $215.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HGTY SEC filings page.

Hagerty, Inc. (HGTY) reported $1.4B in revenue over the twelve months to Jun 30, 2026, up 3.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HGTY FY2025 2026-10-03

Hagerty is converting growth into cash, but liabilities still finance most of its asset base.

Net profit margin climbed from 2.7% in FY2023 to 10.3% in FY2025, while free-cash-flow margin also widened. Because free cash flow exceeded net income in both FY2024 and FY2025, the earnings improvement was accompanied by cash generation rather than appearing only in reported profit.

Revenue expanded sharply from FY2023 through FY2025 while selling, general and administrative expense rose more slowly; that pattern points to operating leverage, with more sales added without proportionate overhead. Net margin’s rise indicates that more of each sales dollar reached the bottom line.

At FY2025, liabilities represented 89.4% of assets, so the balance sheet remains obligation-heavy even as equity improved. Debt-to-equity was 0.8x in FY2025 versus 1.4x in FY2023, while the last available current ratio was 0.9x in FY2024; long-term leverage improved, but short-term coverage was still tight at that snapshot.

Financial Health Signals

Financial Health Score 37/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Hagerty, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Hagerty, Inc. scores 85/100 on it among other insurers.

Premium Growth

Hagerty, Inc. reported revenue of $1.5B in fiscal year 2025, against $1.2B in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Hagerty, Inc. scores 74/100 among other insurers.

Capital

Hagerty, Inc. funded 10.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $221.3M of equity against $2.1B of assets. Capital ranks insurers on that cushion, and Hagerty, Inc. scores 20/100 among other insurers.

Investment Yield

Not available for Hagerty, Inc., and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Hagerty, Inc. scores 14/100 on it among other insurers.

Stability

Hagerty, Inc. reported net income of $149.2M in fiscal year 2025, against $78.3M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Hagerty, Inc. scores 27/100 among other insurers.

Piotroski F-Score Partial

4/6

Hagerty, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.47x

For every $1 of reported earnings, Hagerty, Inc. generates $1.47 in operating cash flow ($219.0M OCF vs $149.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$354.8M

YoY-6.5%

QoQ+13.8%

5Y CAGR+16.2%

Hagerty, Inc. generated $354.8M in revenue in Q2 2026. This represents a decrease of 6.5% from the same quarter a year earlier. Against the prior quarter it is up 13.8%.

Net Income

$8.0M

YoY-83.0%

QoQ+163.1%

5Y CAGR-8.6%

Hagerty, Inc. reported $8.0M in net income in Q2 2026. This represents a decrease of 83.0% from the same quarter a year earlier. Against the prior quarter it is up 163.1%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$161.7M

YoY+238.7%

QoQ+1792.8%

5Y CAGR+33.2%

Hagerty, Inc. generated $161.7M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 238.7% from the same quarter a year earlier. Against the prior quarter it is up 1792.8%.

Cash & Debt

$298.3M

YoY+112.6%

QoQ+40.5%

5Y CAGR+43.4%

Hagerty, Inc. held $298.3M in cash against $216.0M in long-term debt as of Q2 2026.

Shares Outstanding

347M

YoY+0.3%

Hagerty, Inc. had 347M shares outstanding in Q2 2026. This represents an increase of 0.3% from the same quarter a year earlier.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

2.3%

YoY-10.2pp

QoQ+6.4pp

5Y change-5.3pp

Hagerty, Inc.'s net profit margin was 2.3% in Q2 2026, showing the share of revenue converted to profit. This is down 10.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.4 percentage points.

Return on Equity

3.7%

YoY-23.7pp

QoQ+9.6pp

Hagerty, Inc.'s ROE was 3.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 23.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 9.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$8.2M

YoY+33.8%

QoQ+6.9%

5Y CAGR-0.6%

Hagerty, Inc. invested $8.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 33.8% from the same quarter a year earlier. Against the prior quarter it is up 6.9%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

HGTY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HGTY quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Revenue	$1.4B	$1.5B+17.3%	$1.2B+20.9%	$1.0B+30.4%	$787.6M+27.2%	$619.1M+23.9%	$499.5M
SG&A Expenses	-$43.5M	$94.5M+14.6%	$82.5M-3.4%	$85.4M-4.1%	$89.1M+38.0%	$64.6M+26.1%	$51.2M
Operating Income	N/A	N/A	$66.4M+538.1%	$10.4M+115.4%	-$67.6M-571.0%	-$10.1M-163.5%	$15.8M
EBITDA	N/A	N/A	$105.3M+87.4%	$56.2M+266.9%	-$33.7M-378.9%	$12.1M-56.3%	$27.6M
Interest Expense	N/A	$5.4M+289.7%	$1.4M-74.1%	$5.4M	N/A	N/A	N/A
Income Tax	-$35.7M	-$10.0M-165.3%	$15.4M-7.3%	$16.6M+136.5%	$7.0M+3.9%	$6.8M+40.1%	$4.8M
Net Income	$70.0M	$149.2M+90.6%	$78.3M+177.9%	$28.2M-12.2%	$32.1M+169.2%	-$46.4M-556.0%	$10.2M
EPS (Basic)	N/A	N/A	N/A	N/A	$0.39+169.6%	-$0.56-100.6%	$101.66
EPS (Diluted)	—	N/A	N/A	N/A	N/A	-$0.56	$101.66
Diluted Shares (Avg)	N/A	N/A	N/A	N/A	N/A	82M	100,000

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$354.8M-6.5%	$311.8M-5.0%	$368.8M+10.7%	$380.0M+17.5%	$379.3M+21.1%	$328.3M+20.8%	$333.2M+22.5%	$323.4M+17.3%
SG&A Expenses	$95.3M-41.1%	$72.4M-49.7%	-$235.6M-1253.1%	$24.4M+17.3%	$161.6M+656.2%	$144.0M+625.2%	$20.4M-0.7%	$20.8M-6.0%
Operating Income	N/A	N/A	N/A	$34.3M+240.1%	$47.7M+25.3%	$25.7M+110.5%	$6.0M+193.3%	$10.1M-37.4%
EBITDA	N/A	N/A	N/A	$43.7M+126.9%	$56.5M+17.6%	$35.2M+54.6%	$15.2M+241.8%	$19.3M-28.3%
Interest Expense	$1.2M-16.6%	$1.1M-21.4%	N/A	N/A	$1.5M	$1.4M	N/A	N/A
Income Tax	-$5.8M-194.3%	-$8.2M-249.2%	$11.1M+104.0%	-$32.8M-3112.7%	$6.2M+6.0%	$5.5M+7.0%	$5.5M+19.0%	-$1.0M-122.2%
Net Income	$8.0M-83.0%	-$12.7M-146.7%	$28.6M+238.6%	$46.2M+142.9%	$47.2M+10.7%	$27.3M+232.9%	$8.4M-8.8%	$19.0M+2.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

HGTY Balance Sheet

HGTY quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Total Assets	$2.1B+22.5%	$1.7B+7.6%	$1.6B+21.0%	$1.3B+26.0%	$1.0B+70.6%	$610.7M
Current Assets	N/A	$858.4M-31.3%	$1.3B+33.5%	$936.8M+4.6%	$895.3M+74.4%	$513.4M
Cash & Equivalents	$160.2M+52.9%	$104.8M-3.3%	$108.3M+13.8%	$95.2M-65.4%	$275.3M+622.5%	$38.1M
Short-Term Investments	$0-100.0%	$74.0M+575.7%	$10.9M	$0	$0	$0
Inventory	$12.4M-32.9%	$18.5M+266.9%	$5.0M+142.9%	$2.1M	N/A	N/A
Accounts Receivable	$98.9M+16.6%	$84.8M+18.5%	$71.5M+22.8%	$58.3M+24.7%	$46.7M+37.9%	$33.9M
Long-Term Investments	$0-100.0%	$515.6M+9229.9%	$5.5M	$0	$0	$0
Goodwill	$114.2M0.0%	$114.1M-0.1%	$114.2M-0.7%	$115.0M+901.4%	$11.5M+142.1%	$4.7M
Total Liabilities	$1.9B+20.1%	$1.6B+4.2%	$1.5B+19.3%	$1.3B-8.2%	$1.4B+176.8%	$493.4M
Current Liabilities	N/A	$915.4M+8.7%	$842.3M+26.2%	$667.4M+34.6%	$495.8M+28.9%	$384.8M
Non-Current Liabilities	N/A	$643.6M-1.5%	$653.2M+135.1%	$277.8M+0.9%	$275.3M+153.4%	$108.6M
Long-Term Debt	$177.9M+68.2%	$105.8M-19.1%	$130.7M+20.7%	$108.3M-20.1%	$135.5M+96.4%	$69.0M
Total Equity	$221.3M+47.2%	$150.3M+62.2%	$92.7M+56.5%	$59.3M+118.3%	-$323.8M-22025818.4%	-$1K
Retained Earnings	-$403.0M+10.8%	-$452.0M+3.6%	-$469.0M+4.2%	-$489.6M-1.5%	-$482.3M-948.6%	$56.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.1B+5.3%	$2.0B+11.5%	$2.1B+22.5%	$2.2B+18.4%	$2.0B+18.0%	$1.8B+15.7%	$1.7B+7.6%	$1.8B+14.8%
Current Assets	N/A	N/A	N/A	$1.2B+20.4%	$1.2B+19.8%	$997.9M-19.8%	$858.4M-31.3%	$1.0B-19.2%
Cash & Equivalents	$298.3M+112.6%	$212.4M+66.3%	$160.2M+52.9%	$160.4M+9.0%	$140.3M+16.0%	$127.7M-2.7%	$104.8M-3.3%	$147.1M+62.2%
Short-Term Investments	$0-100.0%	$0-100.0%	$0-100.0%	$130.1M+110.5%	$119.3M+82.3%	$105.0M	$74.0M+575.7%	$61.8M
Inventory	$24.9M+40.6%	$31.8M+120.5%	$12.4M-32.9%	$14.2M+58.4%	$17.7M+26.9%	$14.4M+246.3%	$18.5M+266.9%	$8.9M+371.6%
Accounts Receivable	$27.3M-74.7%	$28.0M-71.3%	$98.9M+16.6%	$107.5M+15.0%	$107.9M+22.1%	$97.6M+35.8%	$84.8M+18.5%	$93.5M+14.1%
Long-Term Investments	$0-100.0%	$0-100.0%	$0-100.0%	$543.8M+15.2%	$482.2M+19.1%	$481.1M	$515.6M+9229.9%	$472.0M
Goodwill	$114.1M0.0%	$114.2M0.0%	$114.2M0.0%	$114.2M0.0%	$114.2M0.0%	$114.1M-0.1%	$114.1M-0.1%	$114.2M0.0%
Total Liabilities	$1.9B+3.5%	$1.8B+9.2%	$1.9B+20.1%	$1.9B+16.2%	$1.9B+14.3%	$1.7B+12.0%	$1.6B+4.2%	$1.7B+10.6%
Current Liabilities	N/A	N/A	N/A	$1.2B+21.5%	$1.1B+18.1%	$987.1M+16.2%	$915.4M+8.7%	$1.0B+12.4%
Non-Current Liabilities	N/A	N/A	N/A	$724.2M+8.3%	$722.3M+8.6%	$666.2M+6.2%	$643.6M-1.5%	$668.7M+8.1%
Long-Term Debt	$216.0M+40.8%	$228.6M+72.4%	$177.9M+68.2%	$104.4M-15.0%	$153.4M+56.5%	$132.6M+45.0%	$105.8M-19.1%	$122.9M+62.2%
Total Equity	$215.5M+25.1%	$218.7M+34.2%	$221.3M+47.2%	$211.7M+42.8%	$172.3M+82.4%	$162.9M+74.2%	$150.3M+62.2%	$148.3M+99.7%
Retained Earnings	-$407.2M+5.9%	-$407.5M+8.2%	-$403.0M+10.8%	-$411.8M+9.5%	-$432.6M+5.9%	-$443.6M+5.7%	-$452.0M+3.6%	-$455.1M+5.9%

HGTY Cash Flow Statement

HGTY quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Operating Cash Flow	$307.4M	$219.0M+23.7%	$177.0M+32.4%	$133.7M+141.7%	$55.3M+30.9%	$42.3M-50.0%	$84.6M
Depreciation & Amortization	N/A	$37.5M-3.5%	$38.9M-15.1%	$45.8M+35.2%	$33.9M+53.0%	$22.1M+87.7%	$11.8M
Stock-Based Compensation	N/A	$18.9M+8.9%	$17.4M-3.7%	$18.0M+48.5%	$12.1M	$0	N/A
Capital Expenditures	$28.9M	$24.5M+15.0%	$21.3M-19.2%	$26.4M-40.5%	$44.4M+2.3%	$43.4M+13.4%	$38.3M
Free Cash Flow	$278.5M	$194.5M+24.9%	$155.7M+45.1%	$107.3M+879.7%	$11.0M+1105.8%	-$1.1M-102.4%	$46.3M
Investing Cash Flow	-$236.1M	-$185.2M+70.1%	-$618.6M-1074.9%	-$52.6M+42.5%	-$91.5M-32.7%	-$69.0M-45.6%	-$47.4M
Financing Cash Flow	$65.8M	$29.9M+163.8%	-$46.9M-145.5%	$103.2M+467.3%	-$28.1M-108.5%	$332.1M+731.3%	$39.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$169.9M+215.3%	$16.3M-62.9%	$29.1M+330.6%	$92.2M+36.8%	$53.9M-15.8%	$43.8M-24.7%	-$12.6M-949.7%	$67.4M+9.3%
Depreciation & Amortization	$9.7M+10.0%	$9.7M+2.3%	$9.8M+7.0%	$9.4M+2.5%	$8.8M-11.8%	$9.5M-10.2%	$9.1M-16.2%	$9.2M-14.6%
Stock-Based Compensation	$5.1M-1.0%	$4.6M+5.1%	N/A	$5.1M+24.4%	$5.1M+17.4%	$4.4M-3.3%	N/A	$4.1M-17.1%
Capital Expenditures	$8.2M+33.8%	$7.7M+43.1%	$6.0M+48.5%	$7.0M+30.1%	$6.2M-16.7%	$5.4M+18.8%	$4.1M-16.1%	$5.3M+0.7%
Free Cash Flow	$161.7M+238.7%	$8.5M-77.8%	$23.1M+238.2%	$85.2M+37.4%	$47.7M-15.7%	$38.4M-28.4%	-$16.7M-396.3%	$62.0M+10.1%
Investing Cash Flow	-$42.8M-56.4%	-$39.9M-791.0%	-$62.4M-11.3%	-$91.0M-10.2%	-$27.4M+94.1%	-$4.5M+75.5%	-$56.1M-208.4%	-$82.6M-2511.6%
Financing Cash Flow	-$25.7M-268.7%	$91.0M+539.1%	-$483K+97.6%	$931K-96.1%	$15.2M+212.4%	$14.2M+138.3%	-$19.8M-136.1%	$23.7M+607.2%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

HGTY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HGTY quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Operating Margin	N/A	5.3%+4.3pp	1.0%+9.6pp	-8.6%-7.0pp	-1.6%-4.8pp	3.2%
Net Margin	10.3%+3.9pp	6.3%+3.6pp	2.7%-1.3pp	4.1%+11.6pp	-7.5%-9.5pp	2.0%
Return on Equity	67.4%+15.3pp	52.1%+21.7pp	30.4%-23.7pp	54.1%	N/A	N/A
Return on Assets	7.1%+2.6pp	4.6%+2.8pp	1.8%-0.7pp	2.4%+6.9pp	-4.5%-6.1pp	1.7%
Current Ratio	N/A	0.94-0.5x	1.48+0.1x	1.40-0.4x	1.81+0.5x	1.33
Debt-to-Equity	0.80+0.1x	0.70-0.7x	1.41-0.4x	1.83	N/A	N/A
Asset Turnover	0.700.0x	0.73+0.1x	0.650.0x	0.600.0x	0.59-0.2x	0.82
FCF Margin	13.4%+0.8pp	12.5%+2.1pp	10.4%+9.1pp	1.4%+1.6pp	-0.2%-9.4pp	9.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	N/A	N/A	N/A	9.0%+5.9pp	12.6%+0.4pp	7.8%+3.3pp	1.8%+4.2pp	3.1%-2.7pp
Net Margin	2.3%-10.2pp	-4.1%-12.4pp	7.8%+5.2pp	12.2%+6.3pp	12.4%-1.2pp	8.3%+5.3pp	2.5%-0.9pp	5.9%-0.9pp
Return on Equity	3.7%-23.7pp	-5.8%-22.6pp	12.9%+7.3pp	21.8%+9.0pp	27.4%-17.8pp	16.8%+8.0pp	5.6%-4.4pp	12.8%-12.3pp
Return on Assets	0.4%-1.9pp	-0.6%-2.1pp	1.4%+0.9pp	2.1%+1.1pp	2.3%-0.2pp	1.5%+1.0pp	0.5%-0.1pp	1.1%-0.1pp
Current Ratio	N/A	N/A	N/A	1.000.0x	1.060.0x	1.01-0.5x	0.94-0.5x	1.01-0.4x
Debt-to-Equity	1.00+0.1x	1.05+0.2x	0.80+0.1x	0.49-0.3x	0.89-0.1x	0.81-0.2x	0.70-0.7x	0.83-0.2x
Asset Turnover	0.170.0x	0.150.0x	0.180.0x	0.180.0x	0.190.0x	0.180.0x	0.190.0x	0.180.0x
FCF Margin	45.6%+33.0pp	2.7%-9.0pp	6.3%+11.3pp	22.4%+3.2pp	12.6%-5.5pp	11.7%-8.1pp	-5.0%-3.8pp	19.2%-1.3pp

Not reported in any period shown, so not listed: Gross Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Hagerty, Inc. HGTY	FY2025	$1.5B	$149.2M	10.3%	$4.8B	37/100
White Mountains Insurance Group Ltd. WTM	FY2025	$3.7B	$1.1B	29.6%	$4.8B	25/100
Selective Insurance Group SIGI	FY2025	$5.3B	$466.4M	8.7%	$5.1B	43/100
Mercury General Corp. MCY	FY2025	$6.0B	$541.1M	9.0%	$5.6B	34/100
Lemonade, Inc. LMND	FY2025	$737.9M	-$166.0M	-22.5%	$3.6B	48/100
Kemper Corporation KMPR	FY2025	$4.8B	$143.3M	3.0%	$1.5B	8/100

Where Hagerty, Inc. Ranks

Frequently Asked Questions

What is Hagerty, Inc.'s annual revenue?

Hagerty, Inc. (HGTY) reported $1.5B in total revenue for fiscal year 2025. This represents a 17.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Hagerty, Inc.'s revenue growing?

Hagerty, Inc. (HGTY) revenue grew by 17.3% year-over-year, from $1.2B to $1.5B in fiscal year 2025.

Is Hagerty, Inc. profitable?

Yes, Hagerty, Inc. (HGTY) reported a net income of $149.2M in fiscal year 2025, with a net profit margin of 10.3%.

How much debt does Hagerty, Inc. have?

As of fiscal year 2025, Hagerty, Inc. (HGTY) had $160.2M in cash and equivalents against $177.9M in long-term debt.

What is Hagerty, Inc.'s net profit margin?

Hagerty, Inc. (HGTY) had a net profit margin of 10.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Hagerty, Inc.'s return on equity (ROE)?

Hagerty, Inc. (HGTY) has a return on equity of 67.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Hagerty, Inc.'s free cash flow?

Hagerty, Inc. (HGTY) generated $194.5M in free cash flow during fiscal year 2025. This represents a 24.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Hagerty, Inc.'s operating cash flow?

Hagerty, Inc. (HGTY) generated $219.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Hagerty, Inc.'s total assets?

Hagerty, Inc. (HGTY) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Hagerty, Inc.'s capital expenditures?

Hagerty, Inc. (HGTY) invested $24.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Hagerty, Inc.'s debt-to-equity ratio?

Hagerty, Inc. (HGTY) had a debt-to-equity ratio of 0.80 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Hagerty, Inc.'s return on assets (ROA)?

Hagerty, Inc. (HGTY) had a return on assets of 7.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Hagerty, Inc.'s P/E ratio?

Hagerty, Inc. (HGTY) trades at 67.9x earnings, its market capitalization divided by net income of $70.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.8B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Hagerty, Inc.'s price-to-sales ratio?

Hagerty, Inc. (HGTY) trades at 3.4x sales, its market capitalization divided by revenue of $1.4B revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.8B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Hagerty, Inc.'s Piotroski F-Score?

Hagerty, Inc. (HGTY) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Hagerty, Inc.'s earnings high quality?

Hagerty, Inc. (HGTY) has an earnings quality ratio of 1.47x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Hagerty, Inc.?

Hagerty, Inc. (HGTY) scores 37 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.