COMP <GO>
HGTY vs NP // ALTMAN Z-SCORE & DEBT/EQUITY
Hagerty Inc. (Class A) (NYSE) VS. Neptune Insurance Holdings Inc. (Class A) (NYSE) • 15-METRIC TALLY: HGTY 5
— NP 3
■ METRIC PARITY
LAST: $15.89 (+1.99%) • MKT CAP: $5.64B
balance-sheet
—
LAST: $29.36 (+0.62%) • MKT CAP: $4.03B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HGTY VS. NP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HGTY | NP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 67.40% | 28.20% | +39.20 | HGTY | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 56.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 3.91% | 1.30% | +2.61 | HGTY | /fcf-yield <GO> |
| Operating Margin | — | 44.50% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 22.00% | 23.40% | -1.40 | NP | /net-margins <GO> |
| Revenue Growth (YoY) | 23.50% | 33.70% | -10.20 | NP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | NP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.6 | 51.5 | +13.10 | HGTY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 31.5x | 89.4x | -57.90 | HGTY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.64B | $4.03B | $1.61B | HGTY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HGTY REV | NP REV | HGTY GROSS % | NP GROSS % | HGTY FCF | NP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $677.6M | $159.6M | — | — | $219.0M | $51.7M |
| FY 2024 | $548.6M | $119.3M | — | — | $177.0M | $49.9M |
| FY 2023 | $464.3M | $84.9M | — | — | $133.7M | $18.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HGTY // BETA —
NP // BETA —