Hagerty vs Assured Guaranty
This page compares Hagerty and Assured Guaranty, examining their business models, financial performance, and market context to help readers understand how each company operates. The comparison presents neutral, accessible information to aid understanding, without offering advice or recommendations. Educational content, not financial advice.
This page compares Hagerty and Assured Guaranty, examining their business models, financial performance, and market context to help readers understand how each company operates. The comparison present...
Which Baskets Do They Appear In?
Information Asymmetry Arbitrageurs
These companies build their success on knowing more than their customers. Our analysts have selected businesses that create lasting value from proprietary data and analytical advantages in complex markets like credit scoring, auto sales, and insurance.
Published: June 17, 2025
Explore BasketWhich Baskets Do They Appear In?
Information Asymmetry Arbitrageurs
These companies build their success on knowing more than their customers. Our analysts have selected businesses that create lasting value from proprietary data and analytical advantages in complex markets like credit scoring, auto sales, and insurance.
Published: June 17, 2025
Explore BasketInvestment Analysis
Hagerty
HGTY
Pros
- Hagerty has demonstrated strong revenue growth, with full year 2025 guidance indicating total revenue growth of 14-15%.
- The company benefits from a unique membership model that bundles insurance with enthusiast services, fostering customer loyalty and recurring revenue.
- Hagerty's Adjusted EBITDA is forecast to grow by 37-41% in 2025, reflecting improving operational efficiency and profitability.
Considerations
- Net income declined in 2024 despite revenue growth, indicating ongoing margin pressures and profitability challenges.
- Hagerty's valuation is relatively high, with a trailing PE ratio above 50, which may limit upside if growth slows.
- The company operates in a niche market, making it vulnerable to changes in collector car ownership and enthusiast spending.
Pros
- Assured Guaranty holds a leading position in financial guaranty insurance, with a diversified portfolio across public finance and structured finance markets.
- The company has a strong balance sheet and maintains a low normalized price/earnings ratio, suggesting potential value relative to peers.
- Assured Guaranty generates stable cash flows from long-term insurance contracts and asset management activities, supporting consistent returns.
Considerations
- Revenue and earnings are sensitive to interest rate fluctuations and credit market conditions, which can impact insurance demand and investment returns.
- The business is exposed to regulatory and macroeconomic risks, particularly in public finance and infrastructure sectors.
- Growth is limited by the maturity of the financial guaranty market, with few new large-scale opportunities emerging in recent years.
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