HGTY

Based on Hagerty, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Hagerty do?

Hagerty provides specialty insurance for collector automobiles and boats, alongside reinsurance products. It also operates a membership platform, vehicle valuation tools, a peer-to-peer rental marketplace called DriveShare, and physical car storage facilities under the Hagerty Garage + Social brand.

Does HGTY pay dividends?

No, Hagerty does not currently pay a dividend. The company is in a growth phase, reinvesting capital into its insurance operations and lifestyle platform rather than returning cash to shareholders through distributions.

When does HGTY report earnings?

Hagerty reports on a quarterly cadence like most US-listed companies. The company does not pre-announce specific dates far in advance, so check Hagerty's investor relations page for the current earnings calendar.

Is HGTY a good stock to buy?

UQS Score rates HGTY as Below Average overall. The Growth and Valuation pillars are relatively constructive, but the Weak Risk rating is a meaningful concern. Whether it fits a portfolio depends on an investor's risk tolerance and time horizon — the full pillar breakdown is available to Pro members.

Is HGTY overvalued?

The UQS Valuation pillar for HGTY is rated Good, suggesting the stock is not trading at a stretched premium relative to its fundamentals. That said, valuation alone does not determine investment merit — the Risk and Quality pillars also matter significantly.

How does HGTY compare to its competitors?

Hagerty occupies a distinct niche compared to broader specialty insurers like Palomar Holdings or Selective Insurance Group. Its collector vehicle focus and lifestyle membership model set it apart, though its scale and financial profile are smaller than most peers in the [specialty insurance sector](/sector/financial-services).

What is HGTY's market cap bracket?

Hagerty is classified as a mid-cap company. This places it in a range where growth potential remains meaningful but institutional coverage and liquidity may be more limited than large-cap peers.

Who founded Hagerty?

Hagerty was founded by Frank and Louise Hagerty and has grown from a family-run specialty insurer into a publicly traded automotive lifestyle company. The company went public in 2021. Founding details are widely available through Hagerty's official history.

Is HGTY a long-term quality investment?

From a long-term quality perspective, HGTY's UQS profile shows a Neutral Quality and Moat rating, meaning the business has not yet demonstrated the durable competitive advantages or consistent financial strength typically associated with high-conviction long-term holdings. The Weak Risk pillar adds further caution for long-duration investors.

What is the main competitive advantage of Hagerty?

Hagerty's primary differentiator is its deep integration with the collector car community — combining insurance, media, events, valuation tools, and storage under one brand. This ecosystem approach creates switching costs and community loyalty that a standard insurer would find difficult to replicate quickly.

What sector does HGTY belong to?

Hagerty operates within the Financial Services sector, specifically in specialty insurance. Its business model blends traditional insurance underwriting with a membership and lifestyle platform, making it somewhat unique within the broader [financial services landscape](/sector/financial-services).

Is HGTY a growth stock or value stock?

Based on its UQS profile, HGTY leans toward growth — the Growth pillar is rated Good, reflecting expansion in its core markets. The Valuation pillar is also rated Good, meaning it does not carry the premium typically associated with pure growth stocks, giving it a blended character.

Hagerty, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.

Hagerty, Inc. demonstrates healthy growth trends across revenue and earnings.

Hagerty, Inc. presents elevated risk with concerns around leverage or financial stability.

Hagerty, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.

Hagerty, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HGTY.

The UQS (Unified Quality Score) for Hagerty, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Hagerty, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Hagerty, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.