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Hagerty, Inc. key statistics and ratios

In fiscal 2025, Hagerty, Inc. had return on equity of 80.3%, a net margin of 10.2% and debt equal to 80.6% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Operating margin3.2%−1.6%−8.6%1.0%5.3%——
Net margin2.0%−7.5%4.1%2.7%6.3%10.2%4.4%
Free-cash-flow margin9.3%−0.2%1.4%10.4%12.5%13.4%20.3%
Return on equity———37.1%64.4%80.3%25.1%
Return on assets1.7%−5.6%2.7%1.9%4.7%7.8%2.7%
Asset turnover0.820.750.670.710.750.770.63
Current ratio1.331.811.401.480.94——
Debt to equity——182.7%145.5%70.9%80.6%95.9%
Interest cover (operating income ÷ interest)———1.9x47.6x——
Effective tax rate32.4%—63.2%37.1%16.4%−7.2%3.6%
Capital spending as % of revenue7.7%7.0%5.6%2.6%1.7%1.7%2.1%
Free cash flow ÷ net income455.6%—34.1%380.8%198.8%130.3%465.1%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: High.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Hagerty, Inc.'s SEC filings (10-K and 10-Q), retrieved November 3, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Hagerty, Inc.