All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2021; the latest 2021-12-08.
From the record
Hagerty, Inc.'s filings since 2021 show 1 warning event: an auditor change (8-K item 4.01, the latest 2021-12-08) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+23.9% a year over 6 filed years; profitable in 5 of 6.
From the record
Hagerty, Inc.'s 6 filed years say what it did: revenue went from $500 million in fiscal 2020 to $1.5 billion in fiscal 2025, up 23.9% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 5 of 6 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 2.2/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Hagerty, Inc.'s shareholder treatment is put at 2.2 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the bottom 22% of 29 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE 23%: 23¢ of profit per shareholder dollar. Leverage 68%: owes 68¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Hagerty, Inc. earned about 23 cents of profit for every dollar of shareholders' money. Leverage: it owed about 68 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 37% of 30 in its family; net margin 10.2%.
From the record
Hagerty, Inc.'s standing among 30 graded names in its industry family: revenue of $1.5 billion in fiscal 2025 ranks in the top 44% by size; a net margin of 10.2% ranks in the top 42%; revenue growth of 22.7% a year over the last 3 filed years ranks in the top 25% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 25% of 21 in its family for leadership; chief executive since 2021.
From the record
Hagerty, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Hagerty, Mckeel (Chief Executive Officer, as filed), filing under that title since the record of its people begins (2021-12-13), so the years before are not on the record and this part is not read; the 17 officers and directors filing in the last fifteen months have been on the record a median of 4.2 years (bottom 18%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 31%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 46% of 29 in its family for room to expand.
From the record
Hagerty, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $299 million against debt of $178 million leaves 5.8% of its assets as net cash, top 47% of its family; cash from operations less capital spending is 13.4% of revenue (top 45%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 43% of 29 in its family for growth drivers.
From the record
Hagerty, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 22.7% a year over the last three filed years against 23.9% over all 6, slowing (bottom 40% of its family); the newest year grew 17.3% (top 40%); capital spending grew -17.9% a year (bottom 28%) (its annual reports). Hagerty, Inc. reported 2 lines of business in fiscal 2025: Insurance at $1.3 billion (92%), Marketplace at $120 million (8%); 2 of 2 grew against the year before (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 27% of 25 in its family for expectations against reality.
From the record
Hagerty, Inc.'s newest year against its own record: revenue of $1.5 billion in fiscal 2025 came in 6.6% below the $1.6 billion its prior three years' pace pointed to (bottom 42% of its family); net income of $149 million against a prior three-year average of $36 million (top 6%); a net margin of 10.2% against 3.1% before (top 18%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made