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Hagerty, Inc.

HGTY NYSE Insurance Agents, Brokers & Service Financials FY2020–FY2025

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.

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2.4%
Previous close
$15.95
Market cap
β€”
P/E
β€”
Day range
$15.48 $16.00
52-week range
$9.67 $15.95

Last close Β· Oct 27, 2026

$15.57

+$4.39 (+39.27%) past year

Share price

Hagerty, Inc.

What Hagerty, Inc. does

HGTY Β· Insurance Agents, Brokers & Service

From its latest annual report

No business description yet.

Filing details

Legal name
Hagerty, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Feb 26, 2026
Accession Β· CIK
0001840776-26-000013 Β· 0001840776

Earnings calendar Β· Hagerty, Inc.

Every quarter, companies publish how much they sold and earned. These are the days Hagerty, Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

November 3, 2026

Tuesday Β· in 7 days

Time
Before the market opens
Covers
Period ended Sep 30, 2026
Expected EPS
$0.01
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Aug 5, 2026 Q2 '26 Before the market opens 8-K β†—
May 6, 2026 Q1 '26 Before the market opens 8-K β†—
Feb 26, 2026 Q4 '25 Before the market opens 8-K β†—
Nov 4, 2025 Q3 '25 Before the market opens 8-K β†—
Aug 4, 2025 Q2 '25 Before the market opens 8-K β†—
May 7, 2025 Q1 '25 Before the market opens 8-K β†—
Mar 4, 2025 Q4 '24 Before the market opens 8-K β†—
Nov 7, 2024 Q3 '24 Before the market opens 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

KIRA’s summary AI analyst

Hi! I read Hagerty, Inc.’s latest annual report (fiscal 2025). Here is what stands out:

3 strengths

1.Sales and profit

See section β†’
  • 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.

Hagerty, Inc. in 30 seconds

Good So-so Weak

Good

Are sales growing?

+17.3%

Yes. Sales grew 17.3% last year.

Good

Does it make a profit?

10.2%

Yes. It keeps 10.2% of every sale as profit.

Good

Does profit turn into cash?

13.4%

Yes. 13.4% of sales ends up as free cash.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
β€”
Oct 27 close
P/E Last close divided by diluted earnings per share over the last four quarters.
β€”

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Operating margin

Operating income as a share of revenue.

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Hagerty, Inc. made $149M of net profit in fiscal 2025.

See the full section β†’

Free cash flow

Cash from operations minus capital spending.

KIRA Β· Free cash flow was $194M in fiscal 2025, 13.4% of revenue.

See the full section β†’

Return on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA summarises the numbers

  • 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.

Revenue

Revenue

Margins, % of revenue

Gross Operating Net FCF

Margins, % of revenue

Gross Operating Net FCF

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Net income and earnings per share

Loss periods are shown in red.

KIRA summarises the numbers

  • Hagerty, Inc. made $149M of net profit in fiscal 2025.

Net income

Net income

Diluted EPS

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Cash and shareholders

How much cash comes in, and where does it go?

Cash flow

Cash from operations minus capital spending.

KIRA summarises the numbers

  • Free cash flow was $194M in fiscal 2025, 13.4% of revenue.

Free cash flow

Free cash flow

Cash from operations vs capital spending

Cash from operations Capital spending

Cash from operations vs capital spending

Cash from operations Capital spending

In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.

Dividends, buybacks and share count

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

KIRA summarises the numbers

  • In the last 12 months, insiders bought $0.3M and sold $128M of shares on the open market.

Bought, 12 months

$0.3M

1 insider

Sold, 12 months

$128M

4 insiders

Of sales under plans

5%

$6.0M

DateInsiderTradeSharesPriceValueFiling
Sep 11, 2026 Hagerty Holding Corp.10% owner Sold 1,387,500 $11.47 $15.9M Form 4
Sep 9, 2026 Hagerty Holding Corp.10% owner Sold 9,250,000 $11.47 $106M Form 4
Jul 2, 2026 Kevin M DelaneyChief Accounting Officer Sold plan 3,113 $12.25 $0.0M Form 4
Jul 1, 2026 Kevin M DelaneyChief Accounting Officer Sold plan 9,440 $12.10 $0.1M Form 4
Jun 30, 2026 Kevin M DelaneyChief Accounting Officer Sold plan 905 $12.01 $0.0M Form 4
May 15, 2026 Anthony J KuczinskiDirector Bought 9,500 $10.46 $0.1M Form 4
Apr 7, 2026 Laurie HarrisDirector Sold plan 5,531 $11.01 $0.1M Form 4
Mar 12, 2026 Anthony J KuczinskiDirector Bought 4,000 $9.50 $0.0M Form 4
Mar 3, 2026 Anthony J KuczinskiDirector Bought 15,000 $10.72 $0.2M Form 4
Jan 26, 2026 Kenneth AhnPresident, Hagerty Marketplace Sold plan 50,000 $12.41 $0.6M Form 4
Jan 20, 2026 Kenneth AhnPresident, Hagerty Marketplace Sold plan 50,000 $12.55 $0.6M Form 4
Jan 12, 2026 Kenneth AhnPresident, Hagerty Marketplace Sold plan 50,000 $12.86 $0.6M Form 4
Jan 9, 2026 Kenneth AhnPresident, Hagerty Marketplace Sold plan 1,350 $13.25 $0.0M Form 4
Jan 7, 2026 Kenneth AhnPresident, Hagerty Marketplace Sold plan 24,247 $13.08 $0.3M Form 4
Jan 6, 2026 Kenneth AhnPresident, Hagerty Marketplace Sold plan 10,883 $12.85 $0.1M Form 4
Jan 5, 2026 Kenneth AhnPresident, Hagerty Marketplace Sold plan 164,870 $12.79 $2.1M Form 4
Dec 15, 2025 Kenneth AhnPresident, Hagerty Marketplace Sold plan 100,000 $12.80 $1.3M Form 4
Oct 27, 2025 Robert I KauffmanDirector Sold plan 15,270 $11.12 $0.2M Form 4
Oct 24, 2025 Robert I KauffmanDirector Sold plan 14,731 $11.16 $0.2M Form 4
Oct 23, 2025 Robert I KauffmanDirector Sold plan 15,000 $11.12 $0.2M Form 4
Oct 22, 2025 Robert I KauffmanDirector Sold plan 9,495 $11.18 $0.1M Form 4
Oct 21, 2025 Robert I KauffmanDirector Sold plan 12,219 $11.19 $0.1M Form 4
Oct 20, 2025 Robert I KauffmanDirector Sold plan 8,286 $11.20 $0.1M Form 4
Oct 17, 2025 Robert I KauffmanDirector Sold plan 14,644 $11.33 $0.2M Form 4
Oct 16, 2025 Robert I KauffmanDirector Sold plan 23,392 $11.64 $0.3M Form 4
Oct 15, 2025 Robert I KauffmanDirector Sold plan 12,391 $12.14 $0.2M Form 4
Oct 14, 2025 Robert I KauffmanDirector Sold plan 55,524 $12.16 $0.7M Form 4
Oct 8, 2025 Robert I KauffmanDirector Sold plan 22,629 $12.00 $0.3M Form 4
Oct 7, 2025 Robert I KauffmanDirector Sold plan 6,861 $11.90 $0.1M Form 4
Oct 6, 2025 Robert I KauffmanDirector Sold plan 3,024 $12.01 $0.0M Form 4
Oct 2, 2025 Robert I KauffmanDirector Sold plan 21,314 $11.98 $0.3M Form 4
Oct 1, 2025 Robert I KauffmanDirector Sold plan 18,372 $12.06 $0.2M Form 4
Sep 30, 2025 Robert I KauffmanDirector Sold plan 30,187 $11.96 $0.4M Form 4
Sep 29, 2025 Robert I KauffmanDirector Sold plan 5,506 $11.77 $0.1M Form 4

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Cash, debt and the ratios that show how comfortably Hagerty, Inc. can carry it.

KIRA summarises the numbers

  • Hagerty, Inc. owes $17.7M more than it holds in cash.

Cash vs debt (incl. leases)

Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $275M$95.2M$119M$179M$160M
Debt incl. finance leases $137M$108M$131M$106M$178M
Net debt / EBITDA βˆ’11.5xβ€”0.2xβˆ’0.7xβ€”
Debt / equity β€”1.8x1.4x0.7x0.8x
Interest coverage β€”β€”1.9x47.6xβ€”
Current ratio 1.8x1.4x1.5x0.9xβ€”
Quick ratio 1.8x1.4x1.5x0.9xβ€”
Total assets $1.0B$1.3B$1.6B$1.7B$2.1B
Total liabilities $771M$945M$1.1B$1.1B$1.3B
Shareholders' equity βˆ’$324M$59.3M$92.7M$150M$221M
Net debt (βˆ’ = net cash) βˆ’$139M$13.1M$11.4Mβˆ’$73.0M$17.7M

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)

Return on capital Return on equity Return on assets

In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY20FY21FY22FY23FY24FY25
Net income is positive βœ“ βœ• βœ“ βœ“ βœ“ βœ“
Cash from operations is positive βœ“ βœ“ βœ“ βœ“ βœ“ βœ“
Return on assets rose β€” βœ• βœ“ βœ• βœ“ βœ“
Cash from operations exceeds net income βœ“ βœ“ βœ“ βœ“ βœ“ βœ“
Debt fell relative to assets β€” βœ• βœ“ βœ“ βœ“ βœ•
Current ratio rose β€” βœ“ βœ• βœ“ βœ• β€”
Share count didn't rise β€” βœ• β€” β€” β€” β€”
Gross margin rose β€” β€” β€” β€” β€” β€”
Revenue rose relative to assets β€” βœ• βœ“ βœ“ βœ“ βœ•
F-score β€” / 33 / 86 / 76 / 76 / 7β€” / 6
Accruals ratio βˆ’12.2%βˆ’10.7%βˆ’2.0%βˆ’7.3%βˆ’6.0%βˆ’3.7%
Altman Z'' 1.860.50βˆ’0.150.86βˆ’0.68β€”

In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.

All figures

Every number, year by year.

6 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY20FY21FY22FY23FY24FY25
Income statement
Revenue $500M $619M $788M $1.0B $1.2B $1.5B
Operating income $15.8M βˆ’$10.1M βˆ’$67.6M $10.4M $66.4M β€”
Interest expense β€” β€” β€” $5.4M $1.4M $5.4M
Pretax income $14.9M βˆ’$54.6M $11.1M $44.8M $93.7M $139M
Income tax $4.8M $6.8M $7.0M $16.6M $15.4M βˆ’$10.0M
Net income $10.2M βˆ’$46.4M $32.1M $28.2M $78.3M $149M
Net income to common β€” βˆ’$46.4M βˆ’$24.0M β€” β€” β€”
Diluted EPS $101.66 βˆ’$0.56 β€” β€” β€” β€”
Diluted shares 0.00B 0.08B β€” β€” β€” β€”
Cash flow
Cash from operations $84.6M $42.3M $55.3M $134M $177M $219M
Capital expenditure $38.3M $43.4M $44.4M $26.4M $21.3M $24.5M
Free cash flow $46.3M βˆ’$1.1M $11.0M $107M $156M $194M
Depreciation and amortization $11.8M $22.1M $33.9M $45.8M $38.9M $37.5M
Stock-based compensation β€” $0.0M $12.1M $18.0M $17.4M $18.9M
Acquisitions $8.9M $14.6M $15.4M $8.7M $25.1M $1.6M
Balance sheet
Cash and short-term investments $38.1M $275M $95.2M $119M $179M $160M
Total debt $70.0M $137M $108M $131M $106M $178M
Current assets $513M $895M $937M $1.3B $858M β€”
Current liabilities $385M $496M $667M $842M $915M β€”
Inventory β€” β€” $2.1M $5.0M $18.5M $12.4M
Property and equipment, net $25.8M $28.4M $25.3M $20.8M $18.2M $16.3M
Goodwill $4.7M $11.5M $115M $114M $114M $114M
Intangible assets $46.6M $76.2M $104M $91.9M $90.1M $88.9M
Total assets $611M $1.0B $1.3B $1.6B $1.7B $2.1B
Total liabilities $493M $771M $945M $1.1B $1.1B $1.3B
Preferred stock β€” $0.0M $0.0M β€” β€” β€”
Shareholders' equity βˆ’$0.0M βˆ’$324M $59.3M $92.7M $150M $221M
Margins
Operating margin 3.2% βˆ’1.6% βˆ’8.6% 1.0% 5.3% β€”
EBITDA margin 5.5% 2.0% βˆ’4.3% 5.5% 8.5% β€”
Net margin 2.0% βˆ’7.5% 4.1% 2.7% 6.3% 10.2%
FCF margin 9.3% βˆ’0.2% 1.4% 10.4% 12.5% 13.4%
Returns
Return on capital 33.6% β€” βˆ’60.7% 6.5% 71.8% β€”
Return on capital employed 7.0% βˆ’1.8% βˆ’10.5% 1.4% 8.4% β€”
Return on equity β€” β€” β€” 37.1% 64.4% 80.3%
Return on assets 1.7% βˆ’5.6% 2.7% 1.9% 4.7% 7.8%
Return on tangible equity β€” β€” β€” β€” β€” 818.3%
Growth
Revenue growth β€” 23.9% 27.2% 30.4% 20.9% 17.3%
Net income growth β€” βˆ’556.0% β€” βˆ’12.2% 177.9% 90.6%
EPS growth β€” βˆ’100.6% β€” β€” β€” β€”
FCF growth β€” βˆ’102.4% β€” 879.7% 45.1% 24.9%
Share count change β€” 82,227.0% β€” β€” β€” β€”
Financial health
Net debt / EBITDA 1.2x βˆ’11.5x β€” 0.2x βˆ’0.7x β€”
Debt / equity β€” β€” 1.8x 1.4x 0.7x 0.8x
Interest coverage β€” β€” β€” 1.9x 47.6x β€”
Current ratio 1.3x 1.8x 1.4x 1.5x 0.9x β€”
Quick ratio 1.3x 1.8x 1.4x 1.5x 0.9x β€”
Capital allocation
Capex / revenue 7.7% 7.0% 5.6% 2.6% 1.7% 1.7%
Stock comp / revenue β€” 0.0% 1.5% 1.8% 1.4% 1.3%
Quality scores
Piotroski F-score β€” 3.0 6.0 6.0 6.0 β€”
Altman Z'' 1.9 0.5 βˆ’0.1 0.9 βˆ’0.7 β€”
Accruals ratio βˆ’12.2% βˆ’10.7% βˆ’2.0% βˆ’7.3% βˆ’6.0% βˆ’3.7%

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Source: SEC EDGAR XBRL filings (CIK 0001840776). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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