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Hagerty Inc(HGTY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HGTY
10/28/2026: HGTY (3-star) is a STRONG-BUY. BUY for 90 days. Simulated Profits (37.49%). Updated daily EoD!
Hagerty Inc is a specialized insurance and automotive lifestyle company that caters primarily to collector car enthusiasts. The company maintains a strong brand position by integrating niche property insurance with membership services, media, and auction marketplaces. Its primary growth opportunity lies in scaling its digital marketplace and expanding internationally, while key risks include sensitivity to discretionary economic spending and pressure from larger, generalist insurance carriers. Hagerty is best suited for growth-oriented investors with a long-term horizon who are comfortable with the inherent volatility of a company still in its early public-market development phase. Investors should monitor progress in achieving sustainable GAAP profitability and marketplace growth.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is growing revenue but remains in an early stage of public-market maturation with fluctuating profitability. |
| Momentum investor | Mixed fit | Momentum depends on the company meeting aggressive growth targets and sustained positive price movement. |
| Value investor | Weak fit | Valuation metrics are often high compared to traditional, slow-growth insurance companies. |
| Dividend investor | Weak fit | The company does not pay a dividend and prioritizes growth capital. |
| Low-risk investor | Weak fit | The stock exhibits high price volatility and is sensitive to economic cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's history since its SPAC merger shows significant price fluctuations typical of growth-oriented small-to-mid caps. |
| Valuation risk | Medium / high | High growth expectations are priced into the stock, leaving little margin for error in earnings reports. |
| Competition risk (Insurance Market) | Medium | Large insurers have the capital to aggressively undercut prices in the collector niche. |
| Business quality | Medium | While the brand is strong, the reliance on insurance underwriting results introduces cyclicality. |
| Dividend income | Low / none | Investors seeking immediate income will not find a yield here. |
| Execution risk | Medium | Successfully managing the transition from an insurance firm to a broader media and marketplace company is complex. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 55.34% | Avg. Invested days 61 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.35B USD | Price to earnings Ratio 141.55 | 1Y Target Price 14.5 |
Price to earnings Ratio 141.55 | 1Y Target Price 14.5 | ||
Volume (30-day avg) 375.3K shares | Beta 0.83 | 52 Weeks Range 9.36 - 16.00 | Updated Date 10/28/2026 |
52 Weeks Range 9.36 - 16.00 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.11 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Premiums | Premiums collected from specialized insurance policies for collector vehicles. | The bread and butter of the company, providing stable, recurring cash flow. |
| Membership & Marketplace | Fees from the Hagerty Drivers Club, auction commissions, and media content. | This is the growth engine meant to keep enthusiasts engaged and paying. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-03 | When Before Market | Estimate 0.01 | Actual - |
Profitability
Profit Margin 1.25% | Operating Margin (TTM) 18.38% |
Management Effectiveness
Return on Assets (TTM) 5.66% | Return on Equity (TTM) 8.92% |
Valuation
Trailing PE 141.55 | Forward PE 27.32 | Enterprise Value 1.67B | Price to Sales(TTM) 3.78 |
Enterprise Value 1.67B | Price to Sales(TTM) 3.78 | ||
Enterprise Value to Revenue 1.18 | Enterprise Value to EBITDA 24.68 | Shares Outstanding 111.32M | Shares Floating 47.63M |
Shares Outstanding 111.32M | Shares Floating 47.63M | ||
Percent Insiders 3.98 | Percent Institutions 101.68 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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