Provides specialized insurance for classic and collector cars. Offers insurance for boats and other recreational vehicles. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 26% a year over the last 4 years. Red columns mark years that ended in a loss.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
The stock has been running stronger than the market lately.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 28% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 26% a year on average.
The company’s market value is 94 times its annual profit. Even a small disappointment could hit the price hard.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 15/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 22/100.
On our five-subject report card, HGTY sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: HGTY is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.