Yahoo Finance report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Why HGTY Stock advanced +0.78% Today — RQD Quant Desk Flash
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.
🤖 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 $15.58 (+0.78% 1D, market cap $5.64B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, HGTY ranks #35 in composite RQD confidence.
🤖 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).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 32.3% FCF Margin ($219.0M FCF) & 52% Gross Margin
20D Institutional Volume Accumulation (±6.1% realized swing band)
Macro rate sensitivity & RSI-14 (64.6) create a -7 pt regime headwind
⚔️ Adversarial Opposing Case: Why the HGTY Bull Thesis Could Fail
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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 ($16.77) toward Bear Floor ($12.78).
Why HGTY Stock advanced +0.78% Today — RQD Quant Desk Flash
Hagerty Inc. (Class A) (HGTY) advanced +0.78% to $15.58, trading at 94% of its 52-week range ($9.36 – $16). High-quality cash engine (steady margins, 67% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 94% of its 52-week range ($9.36 – $16) with RSI-14 at 64.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.1% around $15.58 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $219.0M annual free cash flow.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Sen. Bill Hagerty says America’s Bitcoin reserve could expand soon, but he has a condition and a spending rule in mind.
Despite mortgage rate and cost headwinds, Investors Title's premium growth, favorable rate changes and expansion efforts support its long-term prospects.
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
HGTY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +23.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on HGTY today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for HGTY. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HGTY)
1. Head-to-Head Financials Peer Comparison (HGTY vs. ACT, FAF, BWIN, ARX)
Industry: Specialty Insurers (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Hagerty Inc. (Class A) (HGTY) ranks #35 by composite RQD confidence (75/100, grade B) and #254 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% | +0.78% | $5.64B | Benchmark Subject |
| ACT Enact Holdings Inc. | C+ | 69/100 | 9.8x | — | 12.6% | -1.83% | $6.49B | /act-vs-hgty → |
| FAF First American Corporation | C- | 60/100 | 10.5x | — | 7.0% | +0.16% | $6.52B | /faf-vs-hgty → |
| BWIN The Baldwin Insurance Group Inc. | D | 48/100 | — | — | 3.6% | +0.31% | $4.45B | /bwin-vs-hgty → |
| ARX Accelerant Holdings (Class A) | C | 64/100 | — | — | — | 0.00% | $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 0001840776In 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 ENABLEDIs HGTY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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 $15.58 (+0.78% 1D, market cap $5.64B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, HGTY ranks #35 in composite RQD confidence.
How does HGTY compare to ACT and FAF in the Financials sector?
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).
What are the biggest fundamental strengths and SEC risk factors for HGTY?
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.
Where is HGTY trading relative to its 50-day, 200-day, and 52-week technical levels?
HGTY last traded at $15.58 (+0.78% on volume of 160,684 shares), positioning the stock +9.56% above its 50-day simple moving average ($14.22) and +29.08% above its 200-day simple moving average ($12.07). Across its 52-week range of $9.36 to $16.00, HGTY sits at the 93.7% percentile with a 14-day RSI of 64.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.1% ($14.63 to $16.53).
HGTY Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is HGTY stock moving today?
Why HGTY Stock advanced +0.78% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 67% return on capital) with steady institutional support.
HGTY — Hagerty Inc. (Class A): What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, HGTY scores 75 out of 100, a letter grade of B, with the verdict label "Roarable Buy — Good Risk/Reward." The five pillars are:
- Fundamental Cash Engine: 19 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 67.4% and an FCF yield of 3.91%. This is the strongest pillar and the main source of the score. For a prospective investor, the implication is that the business is reported to generate high returns on invested capital, though the FCF yield indicates the cash return relative to the current market price is modest.
- Whale 13F Flow: 15 / 20. Per the Roarable RQD rating, this pillar covers institutional accumulation and options positioning. The source does not provide the underlying 13F holdings, so the composition of this signal cannot be verified from the source data.
- Insider Conviction: 15 / 20. Per the Roarable RQD rating, this pillar covers SEC Form 4 and Congressional PTR cluster flow. The underlying transactions are not itemized in the source data.
- Macro Regime Fit: 13 / 20. Per the Roarable RQD rating, this pillar reflects a beta of 1.0 and sector sensitivity. A beta of 1.0 indicates the stock is reported to move in line with the broader market, neither amplifying nor dampening market swings.
- Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 6/9, and a Debt/Equity ratio of 0.5. These are moderate readings rather than exceptional ones.
Taken together, a prospective investor should note that the rating is driven heavily by the cash-generation pillar, while the valuation context (P/E TTM of 37.5 versus Forward P/E of 31.5) and the moderate balance-sheet and flow readings temper the overall grade. The rating is an analytical summary of the cited inputs, not a recommendation.
Business
Hagerty Inc. (Class A) (HGTY) is a NYSE-listed issuer classified in the Financials sector and the Specialty Insurers industry, per the company profile. The profile supplies no description of products, customers, or revenue model. Not available in source data for the specific offerings, target customers, and monetization mechanics.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $677.6M | $0.0M | $149.2M | N/A | $219.0M | $160.2M | $177.9M |
| FY 2024 | $548.6M | $66.4M | $78.3M | N/A | $177.0M | $104.8M | $105.8M |
| FY 2023 | $464.3M | $10.4M | $28.2M | N/A | $133.7M | N/A | N/A |
Per the SEC financials, revenue rose from $464.3M in FY 2023 to $677.6M in FY 2025, and net income rose from $28.2M to $149.2M over the same span. Per the market data, net margin is 22% and ROIC is 67.4%; gross and operating margins are reported as 0%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9. The FY 2025 operating income figure of $0.0M is reported as stated in the source and is not reconciled against the net income figure. Debt exceeded cash in FY 2025 ($177.9M versus $160.2M).
Recent Catalysts & News Wire Analysis
- A Yahoo Finance report, "Hagerty (HGTY) Stock Could Be Expensive After Its 89% Run," is flagged as a market-wire item. It frames valuation after a sharp advance.
- A MarketBeat item reports an increased position by Lincoln Capital LLC, flagged as market-wire.
- A Simply Wall St item, "Hagerty (HGTY) Brings Broad Arrow To Las Vegas, Is The Stock 7% Overvalued?", is flagged as market-wire and raises a valuation question.
- A Benzinga item, "Full Transcript: Hagerty Q2 2026 Earnings Call," is flagged as market-wire. The transcript content is not included in the source data.
- A Simply Wall St item, "Record First Half Results Might Change The Case For Investing In Hagerty Stock (HGTY)," is flagged as a catalyst (green) and references record first-half results. The underlying figures are not included in the source data.
- A MarketBeat item cites a consensus price target of $13.80, flagged as market-wire.
Risk watch items: the headlines collectively point to valuation concern after the stock's run, and the stated consensus target of $13.80 sits below the current price of $15.46. Proprietary signals: none are provided in the Butterfly Supply-Chain Graph.
Open Questions
- What drove the reported FY 2025 operating income of $0.0M when net income is $149.2M, and does the operating line reconcile to the net income figure?
- What were the record first-half results referenced in the news, and how do they compare to the FY 2025 reported figures?
- What is the composition of the institutional 13F accumulation and the insider Form 4 and Congressional trades that feed the 15/20 flow and conviction pillars?
- Why is EV/EBITDA unavailable, and what are the enterprise value and EBITDA inputs?
- Why does the stock trade above the cited $13.80 consensus target, and what is the source and date of that target?
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
Yahoo Finance report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Hagerty Inc. (Class A) (HGTY) market action, institutional positioning, and fundamental catalysts.
HGTY Bull vs. Bear Conversation Board — What's Your Call at $15.58?
🔥 Official Bull vs. Bear Debate: Is HGTY (B • RQD 75/100) a Buy at $15.46?
Welcome to the HGTY (Hagerty Inc. (Class A)) Roar Pit. Current RQD Composite is 75/100 (Roarable Buy — Good Risk/Reward) in Specialty Insurers. Bulls point to capital efficiency (67.4% ROIC), while bears focus on valuation multiple compression (37.5x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on HGTY — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on HGTY, but look at what you are paying: 37.5x trailing P/E with tightening sector spreads. Unless Hagerty Inc. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
HGTY cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on HGTY, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $15.46 (52-wk range $9.36 - $16.00), any beat on forward guidance forces shorts and underweight funds to chase.