Hagerty, Inc. (HGTY)
Financials · Specialty Insurance / Automotive Services · NYSE
Hagerty is an automotive enthusiast brand providing specialized insurance, membership benefits, and automotive marketplaces for the global collector car community.
What Hagerty, Inc. does
Hagerty is an automotive lifestyle brand and specialty insurance provider focused on the collector car market. The company operates an integrated ecosystem that includes insurance products, membership services (Hagerty Drivers Club), and automotive marketplaces, including private sales, auctions, and financing via its Broad Arrow Group subsidiary.
Themes: automotive lifestyle, specialty insurance, membership subscription models, collector car marketplaces, reinsurance
Fundamentals
- Price$13.37 as of 2026-08-26 close
- Market cap$4.4B as of 2026-08-27
- 1-year return+23.2% 2025-08-26 close $10.85 → 2026-08-26 close $13.37
- P/E174.76 as of 2026-08-27
- Net margin+1.8% as of 2026-08-27
- ROE+8.4% as of 2026-08-27
- Debt / equity0.72 as of 2026-08-27
- Revenue growth (YoY)+10.1% as of 2026-08-27
- Revenue CAGR (3y)+22.7% SEC XBRL
- Beta0.85 as of 2026-08-27
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
How HGTY compares in its sector
- price-to-earnings ratiotop 10% 523 covered Financials peers, as of 2026-08-27
- net profit marginbottom 25% 538 covered Financials peers, as of 2026-08-27
- operating marginbottom 25% 534 covered Financials peers, as of 2026-08-27
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-27
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How Hagerty, Inc. looks technically
Hagerty, Inc. (HGTY) is trading 13.3% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 9 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 26, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 64, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day high about 14 trading days ago. It is 4.5% below its 52-week high (its highest price of the past year).
Trend
9
| Distance from the 200-day | it is trading 13.3% above its 200-day average, the long-term trend line — a longer-term uptrend | +13.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $12.18 | $12.18 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $11.81 | $11.81 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 14 calendar days ago — the swings before that are what the structure reading is measured on | 14 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 12.64. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 5 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 9 trading days ago — a "golden cross", a bullish long-term signal | 9 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 13.3% above | +13.3% |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 26, with buyers in control | 26.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 64, neither overbought (above 70) nor oversold (below 30) | 63.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($12.64 to $13.94) — its "stochastic" reading is 56 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 56.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $14.00 | $14.00 |
|---|---|---|
| From the 52-week high | it is 4.5% below its 52-week high (its highest price of the past year) | -4.5% |
| Above the 52-week low | it is 42.6% above its 52-week low (its lowest price of the past year) | +42.6% |
| Below the 52-week high | it is 4.5% below its highest point of the past year | 4.5% |
| Since a 20-day breakout | it made a new 20-day high about 14 trading days ago | 14 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $19.97 (set on 2021-12-13) | $19.97 |
| Given back of the 52-week move | over the past year its closes ranged ($9.67 to $13.82), and it has recovered almost all of its fall from last year’s high — 89% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $12.23 to $12.37. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 89.2% |
| From the all-time high | it is 33.0% below its all-time high | -33.0% |
| Nearest price level | it is trading 2.6% above a support level at $13.02 — a price it turned at three times since 2025-11-20, most recently on 2026-02-04. Since 2024-08-26 it has 13 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.6% |
| All-time low | its lowest closing price on record is $7.23 (set on 2022-05-12) | $7.23 |
| Above the all-time low | it is 84.9% above its all-time low | +84.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are wider than usual versus its own recent 6-month history (wider than about 74% of it) | 74th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4323 between its high and its low — about 3.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4323 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $11.47 and $14.15 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $11.47 – $12.81 – $14.15 |
| Typical daily range (% of price) | its price moves about 3.2% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.2% |
| Stretch from the 200-day average | it is trading 3.6 daily ranges above its 200-day average price (13.3% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.6 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.87× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 0.9% since the prior reading | +0.9% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-26 0.7% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.7% |
|---|---|---|
| Open gap | it gapped 8.0% above the previous close 15 sessions ago and has not traded back through the level it left behind at 11.72 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +8.0% |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 10.8 percentage points (the stock gained 14.5% while the market gained 3.7%) | +10.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 27.1 percentage points (the stock gained 29.2% while the market gained 2.1%) | +27.1% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 0.6 percentage points (the stock gained 10.6% while the market gained 11.1%) | -0.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 4.5 percentage points (the stock gained 23.2% while the market gained 18.7%) | +4.5% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 13% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-21 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 5.1% of the share price. | +13.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 17% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $11.42 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +17.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% above the average price paid since it last reported on 2026-08-05 (its 10-Q), so the typical buyer over that stretch is showing a gain. That average is $13.18 — a volume-weighted average of daily closes over 16 sessions, not a true tick-by-tick VWAP. | +1.4% |
Price levels it has turned at before
HGTY last closed at $13.37 on 2026-08-26. Since 2024-08-26 it has turned at 13 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $13.02 | Support | 2.6% below the last close | turned there three times · 2025-11-20 to 2026-02-04 |
| $13.94 | Resistance | 4.3% above the last close | turned there three times · 2025-11-17 to 2026-08-05 |
| $12.61 | Support | 5.7% below the last close | turned there twice · 2026-07-13 to 2026-08-12 |
| $12.39 | Support | 7.4% below the last close | turned there five times · 2025-10-01 to 2026-02-26 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes below $12.64.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $13.60 and $15.15 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 6 trading days, since 2026-08-19.
Read from daily closes as of 2026-08-26.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Recent golden cross (50-day crossed above 200-day) · Tested and reclaimed 200-day support · MACD just crossed bullish (12/26/9) · in a strong, established uptrend (ADX) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-26. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.44 mean, 1=Strong Buy…5=Strong Sell) — 8 analysts
- Mean price target$14.50 range $13.00 – $16.00
Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for HGTY
- Consensus EPS estimate$0.00599 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to underwriting volatility and catastrophe losses resulting from assuming 100% of risk through Hagerty Reinsurance Limited.","Dependency on maintaining strategic insurance distribution and underwriting partnerships.","Operational and regulatory risks associated with the cyclical nature of the insurance industry and compliance with complex insurance laws."]
What changed in the latest 10-Q
AI-assisted comparison of HGTY's 10-Q filed 2026-05-06 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Added statement that company helps automotive enthusiast community 'for over 40 years' (newer filing)
- Added description of Hagerty Re reinsuring 'predominantly from policies issued by Essentia' (newer filing)
- Added explanation of Markel as 'related party' with reference to Note 20 (newer filing)
- Added description of marketplace as 'trusted marketplace' with financing solutions secured by collector cars (newer filing)
- Added vision statement language 'to insure, buy, sell, and enjoy' their special cars (newer filing)
- Added entire new section 'Markel Fronting Arrangement' with detailed terms effective January 1, 2026 (newer filing)
- Added explanation that Hagerty Re 'controls 100% of the premium and assumes 100% of the risk' for Essentia policies (newer filing)
- Added details on fronting fee structure: '2% of written premium' with incremental decreases (newer filing)
- Added explanation that company no longer recognizes commission revenue for Essentia-originated policies effective January 1, 2026 (newer filing)
- Added details on loss portfolio transfer agreement with $50.5 million cash consideration and $42.7 million liability assumptions (newer filing)
- Added disclosure of $7.8 million deferred gain being recognized over time (newer filing)
- Added new 'Reportable Segments' section describing shift to two segments: Insurance and Marketplace, effective Q4 2025 (newer filing)
- Added explanation of segment restatement for prior periods (newer filing)
- Removed:
- Removed statement that company acts 'as a Managing General Agent' in the overview section (older filing stated this prominently) (newer filing restructured this)
- Removed statement about reinsuring 'approximately 80% of the risks written' (older filing) (newer filing describes different arrangement)
- Removed description of Hagerty Drivers Club membership bundling with insurance policies (older filing)
- Removed 'Recent Developments' section header (older filing)
- Removed 'Markel Proposed Fronting Arrangement' section discussing non-binding letter of intent from July 24, 2025 (older filing)
- Removed all conditional language about Proposed Fronting Arrangement ('expected to', 'would', subject to regulatory approvals) (older filing)
- Removed 'Enthusiast+ Product' section describing new insurance product for modern enthusiast vehicles (older filing)
- Removed 'Business Review' section discussing review of operations and prior sales/reorganizations (older filing)
- Removed 'Financial Highlights' section with results for three and nine months ended September 30, 2025 (older filing)
- Removed 'Key Performance Indicators' section (older filing)
- Reworded:
- Changed overview from 'We are a market leader in providing insurance for collector cars' to 'We are a market leader in providing insurance for collector cars and enthusiast vehicles, helping the automotive enthusiast community protect and enjoy their special cars for over 40 years' (newer adds time period and mission detail)
- Changed from single segment to two reportable segments: Insurance and Marketplace (newer filing, effective Q4 2025)
- Changed commission revenue description to specify 'Effective January 1, 2026, commission revenue for Essentia-originated policies is no longer recognized' (newer filing adds effective date and specificity)
- Changed description of HDC from 'memberships, which are primarily bundled with insurance policies' to 'our membership product' with separate description (newer filing restructures)
- Changed marketplace description from 'offer a marketplace to complement' to 'operate a trusted marketplace' (newer filing emphasizes control)
- Notes:
- The older filing (2025-11-04) covers the period ended September 30, 2025, while the newer filing (2026-05-06) covers the period ended March 31, 2026, representing different interim reporting periods rather than direct comparable periods
- The newer filing reports on changes that became effective January 1, 2026, which occurred after the older filing's period end date, explaining the significant structural differences in disclosure
- The older filing discusses a 'Proposed Fronting Arrangement' in future tense; the newer filing documents the same arrangement as executed and effective, accounting for the shift from conditional to actual discussion
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 3 open-market sales by insiders in the last 90 days.
- Last 90 days0 buys · 3 sells ($163227) — 1 selling insider
- Last 180 days1 buy ($99370) · 4 sells ($224124) — 1 buying, 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-02. As of 2026-08-27.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about HGTY's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding HGTY as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,122,376
- Reported value $11,818,619
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
HGTY had 1,113,214 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for HGTY because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 1,113,214
- Prior settlement (shares) 1,179,114
- Reported change -5.59%
- Days to cover (reported) 11.3
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Progressive (PGR)
- Allstate (ALL)
- State Farm
- GEICO (BRK.B)
- Grundy Insurance
- American Collectors Insurance
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Hagerty, Inc. (HGTY) do?
Hagerty is an automotive lifestyle brand and specialty insurance provider focused on the collector car market. The company operates an integrated ecosystem that includes insurance products, membership services (Hagerty Drivers Club), and automotive marketplaces, including private sales, auctions, and financing via its Broad Arrow Group subsidiary.
What sector is Hagerty, Inc. (HGTY) in?
Hagerty, Inc. (HGTY) is classified in the Financials sector. Its industry is Specialty Insurance / Automotive Services. It trades on NYSE.
Who are Hagerty, Inc.'s (HGTY) competitors?
Notable peers of Hagerty, Inc. (HGTY) include Progressive, Allstate, State Farm, GEICO and Grundy Insurance. This peer set is informational only — not financial advice.
Is Hagerty, Inc. (HGTY) overbought or oversold right now?
Hagerty, Inc. (HGTY) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 64, in the neutral middle (as of 2026-08-26). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on HGTY come from?
Fundamentals and prices come from market data, as of 2026-08-27; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-27. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-26.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.