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Stock Ratings / Financials / HGTY
FAF (57) ACT (73) BWIN (46) ARX (64) ⌘ Pro Terminal →

Hagerty Inc. (Class A) (HGTY) — RQD Stock Rating Cockpit

$15.58 +0.78% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.64

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.

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate) →
ROARABLE B • BUY Cap $5.60B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HGTY Below — or Connect Your Own ChatGPT / Claude
🤖 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 2026-11-02, 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 $5.60B). 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 #36 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HGTY compare to FAF and ACT 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, FAF (First American Corporation) holds a D+ grade (57/100 RQD, P/E 10.5x, ROIC 7.0%, cap $6.51B) and ACT (Enact Holdings Inc.) posts a B grade (73/100 RQD, P/E 9.8x, ROIC 12.6%, cap $6.61B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while HGTY leads on capital efficiency (67.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $15.64 (+0.38%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 32.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510075
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A- · Rk C
Cash (19)Whales (15)SEC (13)Macro (13)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+7.6% Base Target
$20 Bull$17 Base$13 Bear
📬 FREE HGTY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HGTY)Realized 20D OHLCV Swing Band: ±6.2%
Deterministic 5-Pillar Attribution (75/100 Composite)
🔍 WHY HGTY SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 32.3% FCF Margin ($219.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+15/20 pts (20% of score)

20D Institutional Volume Accumulation (±6.2% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (62.6) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
67
Grade B-$14.56+6.9% Next Q
Q2 (-2Q)
70
Grade B$15.56+2.5% Next Q
Q3 (-1Q)
72
Grade B$15.95-2.3% Next Q
Current
75
Grade B$15.58+7.4% Hist 90D α
Trajectory: B- (67) → B (75)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HGTY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($14.18) or 200D SMA ($12.05) invalidates the momentum regime and cuts Target Base ($16.77) toward Bear Floor ($12.78).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HGTY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “HGTY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 75%NO 25%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
62.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE94% OF RANGE
L: $9$15.58H: $16
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: A+RQD 19 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on HGTY

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (95)

67.4% ROIC with 42.0% gross margin and 3.91% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (72)

30/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like HGTY
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

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
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
HGTY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +54.72%▲ ASCENDING CHANNEL
2026-11-02O $15.44H $15.58L $15.44C $15.58VOL 307.9K
RES: $16.14SUP: $13.11SMA50: $14.18SMA200: $12.05
$16.44$14.61$12.78$10.95$9.12RES $16.14SUP $13.11$15.582026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HGTY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HGTY Butterfly Map → + Track HGTY →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
28.7%/yr Implied 5Y Growth

vs. +23.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HGTY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HGTY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HGTY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HGTY)

Financials Rank #36 of 1096 ⚔️ FAF vs HGTY Full Matrix →

1. Head-to-Head Financials Peer Comparison (HGTY vs. FAF, ACT, BWIN, ARX)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Hagerty Inc. (Class A) (HGTY) ranks #36 by composite RQD confidence (75/100, grade B) and #257 by equity capitalization ($5.60B). 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% $5.60B Benchmark Subject
FAF
First American Corporation
D+ 57/100 10.5x — 7.0% +0.16% $6.51B /faf-vs-hgty →
ACT
Enact Holdings Inc.
B 73/100 9.8x — 12.6% -1.83% $6.61B /act-vs-hgty →
BWIN
The Baldwin Insurance Group Inc.
D 46/100 — — 3.6% +0.31% $4.44B /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 0001840776

In 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 ENABLED

Is HGTY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, 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 $5.60B). 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 #36 in composite RQD confidence.

How does HGTY compare to FAF and ACT 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, FAF (First American Corporation) holds a D+ grade (57/100 RQD, P/E 10.5x, ROIC 7.0%, cap $6.51B) and ACT (Enact Holdings Inc.) posts a B grade (73/100 RQD, P/E 9.8x, ROIC 12.6%, cap $6.61B). 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 +9.87% above its 50-day simple moving average ($14.18) and +29.29% above its 200-day simple moving average ($12.05). Across its 52-week range of $9.36 to $16.00, HGTY sits at the 93.7% percentile with a 14-day RSI of 62.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.2% ($14.61 to $16.55).

HGTY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell HGTY stock right now?

Hagerty Inc. (Class A) (HGTY) currently earns a Roarable Rating of B (Buy — BUY) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 67% return on capital) with steady institutional support.

What is HGTY's 12-month price target and RQD AI Jury consensus?

HGTY's 12-month base price target is $16.77 (range $12.78 to $19.79), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: HGTY RQD Cockpit HGTY 12M Forecast HGTY Earnings & Move HGTY Dividends & DRIP HGTY Insiders & 13F HGTY Whale Options HGTY Profit Sankey HGTY News & Why
ROARABLE RATING BRIEF • RQD 75/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

HGTY — Hagerty Inc. (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:20:05Z

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

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$677.6M$0.0M$149.2MN/A$219.0M$160.2M$177.9M
FY 2024$548.6M$66.4M$78.3MN/A$177.0M$104.8M$105.8M
FY 2023$464.3M$10.4M$28.2MN/A$133.7MN/AN/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

💬 Jump to HGTY Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HGTY Bull vs. Bear Conversation Board — What's Your Call at $15.58?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HGTY 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HGTY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $18.24 (+18.0%)
📌 Pinned Debate

🔥 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.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $11.60 (-25.0%)
Spot @ $15.46

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.

AL AlphaFlow_Cap Verified K Arena Trader 🐂 BULLISH 🎯 Target: $19.02 (+23.0%)
Spot @ $15.46

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.

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