Hagerty, Inc. cash flow to debt ratio of 94.16% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Hagerty, Inc.'s free cash flow has increased 24.90% from $155.68M last year to $194.45M, signaling increasing performance

Hagerty, Inc.'s debt to equity ratio is 0.87, which means that the company's assets are unhealthy financed, signaling financial risk.

Hagerty, Inc.'s debt has increased relative to shareholder equity from 0.84 last year to 0.87 today, signaling weakened financials

Hagerty, Inc. has a net cash position, so leverage is healthy.

Hagerty, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Hagerty, Inc.'s profit margin has increased (26.98%) in the last year from 1.43% to 1.81%, signaling increasing performance

Hagerty, Inc.'s short-term assets of $523.73M exceed its short-term liabilities of $0.00

Hagerty, Inc.'s return on assets of 1.19% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hagerty, Inc.'s return on equity of 9.81%, is lower than 15.00%, indicating bad performance

Hagerty, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Hagerty, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Hagerty, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Hagerty, Inc. has a free cash flow yield of 4.32%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Hagerty, Inc.'s yearly earnings has increased 188.05% since last year from $17.02M to $49.02M, signaling increasing performance

Hagerty, Inc.'s yearly revenue has increased 21.36% since last year from $1.20B to $1.46B, signaling increasing performance

ROIC 2.36% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Hagerty, Inc.'s 3-year revenue CAGR of 20.64% is positive, indicating growing revenue over the past 3 years

Hagerty, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Hagerty, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Hagerty, Inc. is overvalued relative to its fair value price of 10.27 based on Discounted Cash Flow model

Hagerty, Inc. has an earnings yield of 1.91%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Hagerty, Inc. is overvalued relative to its fair value price of 3.81 based on EBITDA multiple model

Hagerty, Inc. has an EV/EBITDA ratio of 25.12x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Hagerty, Inc. has insufficient data to evaluate this check.

Hagerty, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Hagerty, Inc. has a price-to-book ratio of 1.70x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hagerty, Inc. has a price-to-sales ratio of 0.95x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue