What is HGTY's 12-month price target and RQD AI Jury consensus?

HGTY's 12-month base price target is $17.11 (range $13.03 to $20.19), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / HGTY

ACT (69) FAF (60) BWIN (48) ARX (64) ⌘ Pro Terminal →

Hagerty Inc. (Class A) (HGTY) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell HGTY stock right now?

Hagerty Inc. (Class A) (HGTY) currently earns a Roarable Rating of B (Buy — BUY) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 67% return on capital) with steady institutional support.

$15.89 +1.99% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.99

Hagerty Inc. (Class A) (HGTY) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 67% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $5.64B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HGTY Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HGTY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Hagerty Inc. (Class A) (NYSE: HGTY) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $15.89 (+1.99% 1D, market cap $5.64B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, HGTY ranks #36 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HGTY compare to ACT and FAF in the Financials sector?

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Within the Financials sector (Specialty Insurers), HGTY carries a Roarable B (75/100 RQD), trailing P/E of 37.5x, gross margin of —, and ROIC of 67.4%. By comparison, ACT (Enact Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 9.8x, ROIC 12.6%, cap $6.49B) and FAF (First American Corporation) posts a C- grade (60/100 RQD, P/E 10.5x, ROIC 7.0%, cap $6.52B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while HGTY leads on capital efficiency (67.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HGTY?

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Per HGTY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001840776), Hagerty Inc. (Class A) generated $677.6M in revenue (+23.5% YoY), $149.2M in net income, and $219.0M in free cash flow against $2.09B in total assets and $177.9M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $15.99 (+0.60%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 32.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A- · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+7.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HGTY)Realized 20D OHLCV Swing Band: ±6.1%

Deterministic 5-Pillar Attribution (75/100 Composite)

🔍 WHY HGTY SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 32.3% FCF Margin ($219.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+15/20 pts (20% of score)

20D Institutional Volume Accumulation (±6.1% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (64.6) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$14.99+3.1% Next Q

Q2 (-2Q)

Grade B$15.46+0.7% Next Q

Q3 (-1Q)

Grade B$15.57+2.1% Next Q

Current

Grade B$15.89+7.4% Hist 90D α

Trajectory: B- (67) → B (75)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HGTY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 75/100 (B) score, HGTY faces multiple-compression risk if 37.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($14.22) or 200D SMA ($12.07) invalidates the momentum regime and cuts Target Base ($17.11) toward Bear Floor ($13.03).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HGTY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HGTY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 75%NO 25%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

64.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE98% OF RANGE

L: $9$15.89H: $16

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: A+RQD 19 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on HGTY

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (95)

67.4% ROIC with 42.0% gross margin and 3.91% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

30/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like HGTY

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Big institutional funds and options desks are actively positioning on the bullish side.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (HGTY Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HGTY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +57.80%⚡ TESTING RESISTANCE

2026-11-03O $15.46H $15.89L $15.46C $15.89VOL 160.7K

RES: $16.18SUP: $13.14SMA50: $14.22SMA200: $12.07

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HGTY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HGTY Butterfly Map → + Track HGTY →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

28.7%/yr Implied 5Y Growth

vs. +23.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HGTY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HGTY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HGTY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HGTY)

Financials Rank #36 of 1097 ⚔️ ACT vs HGTY Full Matrix →

1. Head-to-Head Financials Peer Comparison (HGTY vs. ACT, FAF, BWIN, ARX)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Hagerty Inc. (Class A) (HGTY) ranks #36 by composite RQD confidence (75/100, grade B) and #255 by equity capitalization ($5.64B). Within this direct 5-issuer industry benchmark cohort, ACT leads on earnings valuation at 9.8x trailing P/E, while HGTY leads on capital efficiency and profitability with 67.4% ROIC and — gross margin. HGTY currently leads its immediate peer cohort in composite quantitative strength at 75/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HGTY ACTIVE Hagerty Inc. (Class A)	B	75/100	37.5x	—	67.4%	+1.99%	$5.64B	Benchmark Subject
ACT Enact Holdings Inc.	C+	69/100	9.8x	—	12.6%	+2.06%	$6.49B	/act-vs-hgty →
FAF First American Corporation	C-	60/100	10.5x	—	7.0%	+3.67%	$6.52B	/faf-vs-hgty →
BWIN The Baldwin Insurance Group Inc.	D	48/100	—	—	3.6%	-0.03%	$4.45B	/bwin-vs-hgty →
ARX Accelerant Holdings (Class A)	C	64/100	—	—	—	-0.05%	$4.30B	/arx-vs-hgty →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001840776 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hagerty Inc. (Class A) (HGTY) reported GAAP revenue of $677.6M (+23.5% vs. FY2024 revenue of $548.6M , and +46.0% cumulative change since FY2023) , GAAP net income of $149.2M, operating cash flow of $219.0M, and free cash flow of $219.0M (+23.7% YoY). On the balance sheet, HGTY closed FY2025 with $2.09B in total assets against $177.9M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$677.6M	$149.2M	$219.0M	$219.0M	$2.09B	$177.9M
FY2024 (FY)	2024-12-31	$548.6M	$78.3M	$177.0M	$177.0M	$1.71B	$105.8M
FY2023 (FY)	2023-12-31	$464.3M	$28.2M	$133.7M	$133.7M	—	—

3. HGTY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HGTY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does HGTY compare to ACT and FAF in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for HGTY?

Where is HGTY trading relative to its 50-day, 200-day, and 52-week technical levels?

HGTY last traded at $15.89 (+1.99% on volume of 438,217 shares), positioning the stock +11.74% above its 50-day simple moving average ($14.22) and +31.65% above its 200-day simple moving average ($12.07). Across its 52-week range of $9.36 to $16.00, HGTY sits at the 98.3% percentile with a 14-day RSI of 64.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.1% ($14.92 to $16.86).

Direct Sub-Reports: HGTY RQD Cockpit HGTY 12M Forecast HGTY Earnings & Move HGTY Dividends & DRIP HGTY Insiders & 13F HGTY Whale Options HGTY Profit Sankey HGTY News & Why

ROARABLE RATING BRIEF • RQD 75/100 (B) ✓ SEC XBRL & RQD VERIFIED

HGTY — Hagerty Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Hagerty Inc. (Class A) (HGTY) earns a live Roarable RQD composite score of 75/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $15.89 (+1.99% 1D, market capitalization $5.64B).

Fundamental Cash Engine (19/20): Anchored by return on invested capital (ROIC) of 67.4%, gross margin of —, operating margin of —, and free cash flow yield of 3.91%.
Whale 13F & Options Flow (15/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Hagerty Inc. (Class A) (HGTY) is a NYSE-listed issuer classified in the Financials sector and the Specialty Insurers industry. The profile supplies no description of products, customers, or revenue model. — for the specific offerings, target customers, and monetization mechanics.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Hagerty Inc. (Class A) (HGTY) reported $677.6M in annual revenue (up from $548.6M in FY2024, +23.5% YoY) and $149.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($464.3M revenue, $28.2M net income) through FY2025, HGTY scaled operating cash flow to $219.0M and free cash flow to $219.0M, backed by $2.09B in total assets against $177.9M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B • RQD 75/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 19/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $9.36 – $16.00 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 37.5x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Specialty Insurers (Financials), HGTY carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can HGTY sustain or expand its — operating margin and 67.4% ROIC against Specialty Insurers peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $677.6M and free cash flow of $219.0M, how will capital allocation balance growth reinvestment against $177.9M in total debt?
Key Question #3: How sensitive is HGTY's 31.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

HGTY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hagerty Inc. (Class A) (HGTY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HGTY Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 21h ago

Hagerty (HGTY) Stock Could Be Expensive After Its 89% Run

Yahoo Finance report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Hagerty, Inc. $HGTY Stock Position Increased by Lincoln Capital LLC

MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Hagerty (HGTY) Brings Broad Arrow To Las Vegas, Is The Stock 7% Overvalued?

Simply Wall St report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Full Transcript: Hagerty Q2 2026 Earnings Call

Benzinga report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Simply Wall St • 1d ago

Record First Half Results Might Change The Case For Investing In Hagerty Stock (HGTY)

Simply Wall St report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Hagerty, Inc. (NYSE:HGTY) Stock Has Consensus Price Target of $13.80

MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Hagerty (NYSE:HGTY) Stock Bumped Down to Hold by Zacks Research

MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Hagerty (NYSE:HGTY) Sets New 52-Week High - Time to Buy?

MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HGTY Bull vs. Bear Conversation Board — What's Your Call at $15.89?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HGTY 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $19.48 (+25.0%)

📌 Pinned Debate

Per the Roarable RQD rating, the cash engine scores 19/20 on a reported ROIC of 67.4%, and reported net income grew from $28.2M in FY 2

Don't sleep on HGTY's setup in Financials. Per the Roarable RQD rating, the cash engine scores 19/20 on a reported ROIC of 67.4%, and reported net income grew from $28.2M in FY 2023 to $149.2M in FY 2025.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (75/100) backs up the fundamental quality.

EarningsSniper 🐂 BULL

Both sides have a point here — HGTY's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $12.15 (-22.0%)

Spot @ $15.58

The stock trades at a P/E (TTM) of 37.5 above a cited $13.80 consensus target, and a headline flags its run as making it expensive.

Sitting on the sidelines or leaning short HGTY above $15.58. The stock trades at a P/E (TTM) of 37.5 above a cited $13.80 consensus target, and a headline flags its run as making it expensive.. Until Fundamental Cash Engine (19/20) and FCF yield (3.91%) inflect higher, upside is capped near $16.00.