HGTY PE Ratio & Valuation,Is HGTY Overvalued

HGTY Relative Valuation

HGTY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HGTY is overvalued; if below, it's undervalued.

Historical Valuation

Hagerty Inc (HGTY) is now in the Fair zone, suggesting that its current forward PS ratio of 0.98 is considered Fairly compared with the five-year average of -1.97. The fair price of Hagerty Inc (HGTY) is between 11.95 to 19.42 according to relative valuation methord.

Relative Value

Fair Zone

11.95-19.42

Current Price：12.99

Fair

35.40

8.82

EV/EBITDA

Hagerty Inc. (HGTY) has a current EV/EBITDA of 8.82. The 5-year average EV/EBITDA is -2.57. The thresholds are as follows: Strongly Undervalued below -85.62, Undervalued between -85.62 and -44.09, Fairly Valued between 38.96 and -44.09, Overvalued between 38.96 and 80.49, and Strongly Overvalued above 80.49. The current Forward EV/EBITDA of 8.82 falls within the Historic Trend Line -Fairly Valued range.

12.18

EV/EBIT

Hagerty Inc. (HGTY) has a current EV/EBIT of 12.18. The 5-year average EV/EBIT is 12.72. The thresholds are as follows: Strongly Undervalued below -52.48, Undervalued between -52.48 and -19.88, Fairly Valued between 45.31 and -19.88, Overvalued between 45.31 and 77.91, and Strongly Overvalued above 77.91. The current Forward EV/EBIT of 12.18 falls within the Historic Trend Line -Fairly Valued range.

0.98

Hagerty Inc. (HGTY) has a current PS of 0.98. The 5-year average PS is 0.71. The thresholds are as follows: Strongly Undervalued below 0.01, Undervalued between 0.01 and 0.36, Fairly Valued between 1.06 and 0.36, Overvalued between 1.06 and 1.41, and Strongly Overvalued above 1.41. The current Forward PS of 0.98 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Hagerty Inc. (HGTY) has a current P/OCF of 0.00. The 5-year average P/OCF is 5.72. The thresholds are as follows: Strongly Undervalued below -3.03, Undervalued between -3.03 and 1.35, Fairly Valued between 10.10 and 1.35, Overvalued between 10.10 and 14.47, and Strongly Overvalued above 14.47. The current Forward P/OCF of 0.00 falls within the Undervalued range.

0.00

P/FCF

Hagerty Inc. (HGTY) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Hagerty Inc (HGTY) has a current Price-to-Book (P/B) ratio of 6.16. Compared to its 3-year average P/B ratio of 8.54 , the current P/B ratio is approximately -27.84% higher. Relative to its 5-year average P/B ratio of 7.14, the current P/B ratio is about -13.73% higher. Hagerty Inc (HGTY) has a Forward Free Cash Flow (FCF) yield of approximately 11.85%. Compared to its 3-year average FCF yield of 12.00%, the current FCF yield is approximately -1.22% lower. Relative to its 5-year average FCF yield of 10.66% , the current FCF yield is about 11.17% lower.

6.16

P/B

Median3y

8.54

Median5y

7.14

11.85

FCF Yield

Median3y

12.00

Median5y

10.66

Competitors Valuation Multiple

The average P/S ratio for HGTY's competitors is 2.66, providing a benchmark for relative valuation. Hagerty Inc Corp (HGTY) exhibits a P/S ratio of 0.98, which is -63.23% above the industry average. Given its robust revenue growth of 14.55%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of HGTY increased by 34.61% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 5.73 to 12.15.

The secondary factor is the Revenue Growth, contributed 14.55%to the performance.

Overall, the performance of HGTY in the past 1 year is driven by Margin Expansion. Which is more sustainable.

14.55%

331.73M → 379.99M

Revenue Growth

112.04%

5.73 → 12.15

Margin Expansion

-91.98%

449.78 → 36.07

P/E Change

34.61%

9.65 → 12.99

Mkt Cap Growth

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Frequently Asked Questions

Is Hagerty Inc (HGTY) currently overvalued or undervalued?

What is Hagerty Inc (HGTY) fair value?

HGTY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Hagerty Inc (HGTY) is between 11.95 to 19.42 according to relative valuation methord.

How does HGTY's valuation metrics compare to the industry average?

What is the current P/B ratio for Hagerty Inc (HGTY) as of Dec 15 2025?

As of Dec 15 2025, Hagerty Inc (HGTY) has a P/B ratio of 6.16. This indicates that the market values HGTY at 6.16 times its book value.

What is the current FCF Yield for Hagerty Inc (HGTY) as of Dec 15 2025?

As of Dec 15 2025, Hagerty Inc (HGTY) has a FCF Yield of 11.85%. This means that for every dollar of Hagerty Inc’s market capitalization, the company generates 11.85 cents in free cash flow.

What is the current Forward P/E ratio for Hagerty Inc (HGTY) as of Dec 15 2025?

As of Dec 15 2025, Hagerty Inc (HGTY) has a Forward P/E ratio of 35.40. This means the market is willing to pay $35.40 for every dollar of Hagerty Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Hagerty Inc (HGTY) as of Dec 15 2025?

As of Dec 15 2025, Hagerty Inc (HGTY) has a Forward P/S ratio of 0.98. This means the market is valuing HGTY at $0.98 for every dollar of expected revenue over the next 12 months.

HGTY Valuation