Hagerty, Inc.
HGTY NYSE· Insurance Agents, Brokers & Service
Last close · Oct 27, 2026
$15.57
KIRA · Stoqly’s AI analyst, in plain words
- Hagerty, Inc. had $1.5B of revenue in fiscal 2025, up 17.3% on the year before. Over five years, revenue changed +23.9% a year on average.
- Hagerty, Inc. made $149M of net profit in fiscal 2025.
- Free cash flow was $194M in fiscal 2025, 13.4% of revenue.
- Hagerty, Inc. owes $17.7M more than it holds in cash.
Market cap
—
P/E
—
Revenue
$1.5B
Net income
$149M
Free cash flow
$194M
Operating margin
—
Hagerty, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+17.3%
Yes. Sales grew 17.3% last year.
Does it make a profit?
10.2%
Yes. It keeps 10.2% of every sale as profit.
Does profit turn into cash?
13.4%
Yes. 13.4% of sales ends up as free cash.
What Hagerty, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- Hagerty, Inc.
- CIK
- 0001840776
Hagerty, Inc. · HGTY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $619M | $788M | $1.0B | $1.2B | $1.5B |
| Revenue growth | 23.9% | 27.2% | 30.4% | 20.9% | 17.3% |
| Operating margin | −1.6% | −8.6% | 1.0% | 5.3% | — |
| Net income | −$46.4M | $32.1M | $28.2M | $78.3M | $149M |
| Net margin | −7.5% | 4.1% | 2.7% | 6.3% | 10.2% |
| Diluted EPS | −$0.56 | — | — | — | — |
| Cash | |||||
| Cash from operations | $42.3M | $55.3M | $134M | $177M | $219M |
| Capital expenditure | $43.4M | $44.4M | $26.4M | $21.3M | $24.5M |
| Free cash flow | −$1.1M | $11.0M | $107M | $156M | $194M |
| FCF margin | −0.2% | 1.4% | 10.4% | 12.5% | 13.4% |
| Share count change | 82,227.0% | — | — | — | — |
| Debt and strength | |||||
| Cash and short-term investments | $275M | $95.2M | $119M | $179M | $160M |
| Debt incl. finance leases | $137M | $108M | $131M | $106M | $178M |
| Shareholders' equity | −$324M | $59.3M | $92.7M | $150M | $221M |
| Net debt / EBITDA | −11.5x | — | 0.2x | −0.7x | — |
| Current ratio | 1.8x | 1.4x | 1.5x | 0.9x | — |
| Interest coverage | — | — | 1.9x | 47.6x | — |
| Returns and quality | |||||
| Return on capital | — | −60.7% | 6.5% | 71.8% | — |
| Return on equity | — | — | 37.1% | 64.4% | 80.3% |
| Return on tangible equity | — | — | — | — | 818.3% |
| Piotroski F-score | 3 | 6 | 6 | 6 | — |
| Altman Z'' | 0.5 | −0.1 | 0.9 | −0.7 | — |
Insiders bought, 12 months
$0.3M
1 insider
Insiders sold, 12 months
$128M
4 insiders
Of sales under plans
5%
$6.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Hagerty, Inc. · HGTY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $15.57 a share, the company is worth —.
Source: SEC EDGAR XBRL filings (CIK 0001840776). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.