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HGTY 
Hagerty Inc (HGTY)
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Upturn Advisory Summary
11/05/2025: HGTY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $13.29
1 Year Target Price $13.29
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.87% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.81B USD | Price to earnings Ratio 55.7 | 1Y Target Price 13.29 |
Price to earnings Ratio 55.7 | 1Y Target Price 13.29 | ||
Volume (30-day avg) 3 | Beta 0.91 | 52 Weeks Range 8.03 - 13.32 | Updated Date 11/5/2025 |
52 Weeks Range 8.03 - 13.32 | Updated Date 11/5/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.2 |
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 2025-11-04 | When - | Estimate 0.0791 | Actual 0.13 |
Profitability
Profit Margin 1.52% | Operating Margin (TTM) 12.94% |
Management Effectiveness
Return on Assets (TTM) 2.97% | Return on Equity (TTM) 15.79% |
Valuation
Trailing PE 55.7 | Forward PE 26.95 | Enterprise Value 1257127014 | Price to Sales(TTM) 2.81 |
Enterprise Value 1257127014 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 0.96 | Enterprise Value to EBITDA 24.68 | Shares Outstanding 99187223 | Shares Floating 41084059 |
Shares Outstanding 99187223 | Shares Floating 41084059 | ||
Percent Insiders 6.94 | Percent Institutions 85.65 |
Upturn AI SWOT
Hagerty Inc
Company Overview
History and Background
Hagerty Inc. was founded in 1984 by Frank and Louise Hagerty as a classic boat insurance agency. Over time, it expanded to specialize in classic and collector car insurance, evolving into a leading provider of specialty insurance and services for the automotive enthusiast market.
Core Business Areas
- Insurance: Provides specialty insurance for classic and collector vehicles, boats, and other collectibles.
- Membership & Media: Offers membership programs, automotive content, and events catering to car enthusiasts through Hagerty Drivers Club, Hagerty Drivers Foundation, and various media platforms.
- Marketplace: Operates an online marketplace (Bring a Trailer) for buying and selling collector vehicles, parts, and accessories.
- Valuation Tools: Provides tools for determining the value of classic cars
Leadership and Structure
McKeel Hagerty is the CEO. The company has a board of directors and operates with a functional organizational structure with departments focused on insurance, media, marketplace, and technology.
Top Products and Market Share
Key Offerings
- Classic Car Insurance: Specialty insurance policies designed for classic and collector vehicles. Hagerty is a leader in this market. Market share data difficult to pinpoint precisely, but Hagerty is considered to have a substantial share, estimated to be around 25% of the classic car insurance market. Competitors include American Collectors Insurance, Heacock Classic, and Condon Skelly.
- Hagerty Drivers Club: A membership program offering exclusive content, discounts, and experiences for car enthusiasts. Growing rapidly with over 740,000 members. Competitors are limited, but other automotive enthusiast clubs and communities exist.
- Bring a Trailer: An online auction platform for collector vehicles. Bring a Trailer is the market leader in the online collector car auction space, generating an estimated $1.3 Billion in transactions in 2023. Competitors include RM Sotheby's, Gooding & Company, and Bonhams.
Market Dynamics
Industry Overview
The classic and collector car market is a growing industry, driven by increasing interest in vintage vehicles, rising values, and a growing enthusiast community. The industry is characterized by specialized insurance providers, auction houses, valuation services, and enthusiast communities.
Positioning
Hagerty Inc. is positioned as a leading player in the collector car ecosystem, offering a comprehensive suite of insurance, membership, media, and marketplace services. Its competitive advantages include its brand reputation, specialized expertise, and integrated platform.
Total Addressable Market (TAM)
Estimated to be tens of billions of dollars, including insurance premiums, auction sales, membership fees, and related services. Hagerty is well-positioned to capture a significant portion of this TAM through its diverse product offerings and strong brand presence.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Specialized expertise in the collector car market
- Integrated platform of insurance, membership, media, and marketplace services
- Growing membership base
- Market-leading position in classic car insurance and online auctions (Bring a Trailer)
Weaknesses
- Dependence on the collector car market, which can be cyclical
- Relatively high customer acquisition costs
- Potential for increased competition in the online auction space
- Sensitivity to economic downturns affecting discretionary spending on collector cars
Opportunities
- Expanding into new geographic markets
- Developing new products and services for car enthusiasts
- Leveraging data and technology to improve customer experience
- Acquiring complementary businesses
- Growing the Hagerty Drivers Club membership base
Threats
- Economic downturns affecting the collector car market
- Increased competition from new entrants
- Changes in regulations affecting the insurance industry
- Shifting consumer preferences for alternative transportation options
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- G (GOOGL)
- BERKSHIRE HATHAWAY (BRK.A)
- Progressive (PGR)
- STATE AUTO FINANCIAL (STFC)
Competitive Landscape
Hagerty's advantage lies in its specialization and brand recognition within the collector car market. Competitors like Progressive and Berkshire Hathaway have broader insurance offerings, but lack the same level of focus. GOOGL is the search engine which all companies rely on to reach their customers.
Major Acquisitions
Bring a Trailer
- Year: 2020
- Acquisition Price (USD millions): 77.5
- Strategic Rationale: Expanded Hagerty's reach into the online auction market, providing a platform for buying and selling collector vehicles.
Growth Trajectory and Initiatives
Historical Growth: Hagerty has experienced significant growth in recent years, driven by the popularity of Bring a Trailer, growth in its insurance business, and the expansion of its membership program.
Future Projections: Analyst estimates suggest continued growth, driven by the expanding collector car market and Hagerty's strong market position. Exact figures vary depending on the source.
Recent Initiatives: Recent initiatives include partnerships with automotive manufacturers, expansion of the Hagerty Drivers Club, and investments in technology to enhance customer experience.
Summary
Hagerty Inc. is a strong player in the collector car market, driven by its specialized insurance offerings, expanding membership program, and the successful Bring a Trailer platform. The company needs to be mindful of economic cycles and increasing competition, especially in the online auction space. Hagerty is positioned for continued growth through strategic acquisitions and expansion of its core services. However, the current rating takes into account that the business can be directly tied to consumer discretionary spending.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Hagerty Inc. Investor Relations
- SEC Filings
- Industry reports
- Yahoo Finance
- Bring a Trailer website
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change over time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hagerty Inc
Exchange NYSE | Headquaters Traverse City, MI, United States | ||
IPO Launch date 2021-06-01 | Chairman & CEO Mr. McKeel O. Hagerty | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1733 | Website https://www.hagerty.com |
Full time employees 1733 | Website https://www.hagerty.com | ||
Hagerty, Inc. provides insurance services for collector cars and enthusiast vehicles in the United States. The company engages in the underwriting, selling, and servicing collector car and enthusiast vehicle insurance policies. It also provides Hagerty Drivers Club memberships, which are primarily bundled with insurance policies and give subscribers access to an array of products and services, such as emergency roadside assistance, hagerty drivers club magazine, automotive enthusiast events, proprietary vehicle valuation tool, and special vehicle related discounts. In addition, the company offers marketplace to complement insurance and membership offerings. Hagerty, Inc. is headquartered in Traverse City, Michigan. Hagerty, Inc. is a subsidiary of Hagerty Holding Corp.
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