Hagerty vs Texas Capital

This page compares Hagerty and Texas Capital BancShares Inc., examining their business models, financial performance, and market context in a neutral, accessible way. It highlights how each organisation approaches growth, risk, and value for shareholders, helping readers understand the landscape without bias. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

HGTY

Metric

TCBI

$4.33B

Market Cap

$4.44B

9.72%

Potential Profit

-7.34%

Hold

Analyst Rating

Hold

Investment Analysis

Hagerty

HGTY

Pros

Hagerty has raised its full-year 2025 revenue outlook to 13-14% growth, reflecting strong momentum in its core collector car insurance segment.
The company's Adjusted EBITDA is forecast to grow 30-38% in 2025, indicating improving operational efficiency and profitability.
Hagerty's unique membership model and enthusiast platform foster high customer engagement and recurring revenue streams.

Considerations

Net income declined by 43.96% in 2024 despite revenue growth, raising concerns about cost management and margin pressure.
The stock trades at a high forward PE ratio, which may limit upside if earnings growth does not accelerate further.
Hagerty's business is highly specialised and dependent on the collector car market, making it vulnerable to economic downturns and shifting consumer preferences.

Texas Capital

TCBI

Pros

Texas Capital Bancshares maintains a strong forward PE ratio, suggesting the market expects improved earnings performance in the near term.
The bank offers a diversified suite of financial services, including commercial, investment, and wealth management, which supports stable revenue streams.
Texas Capital Bancshares has a low beta, indicating less volatility compared to the broader market and potentially lower risk for investors.

Considerations

Revenue fell by 13.77% in 2024, reflecting challenges in the banking sector and possible headwinds from interest rate changes.
Net income dropped sharply by 64.94% in 2024, highlighting significant profitability pressures and margin compression.
Analyst price targets suggest limited upside, with the 12-month target below the current share price, indicating cautious sentiment.

About The Companies

Hagerty (HGTY)

Hagerty Inc. (HGTY) specialises in insurance and services for classic, collector and enthusiast vehicles, combining underwriting, membership subscriptions, pricing tools, media and marketplace activities. With a market capitalisation near $3.85B, the business aims to monetise a passionate community through recurring premiums, membership fees and ancillary products such as valuations and events. Investors should note the diversified revenue mix can help growth but also depends on consumer discretionary spending, interest in classic vehicles and successful scaling of non-insurance services. Profitability and cash flow can vary with claims experience, catastrophe exposure and investment in growth initiatives. Competition comes from specialty insurers and digital marketplaces. Key risks include concentration in a niche market, regulatory changes in insurance, and sensitivity to economic cycles. This is general educational information, not personalised advice; any investment decision should consider your financial situation and risk tolerance, and it’s possible to lose capital.

Texas Capital (TCBI)

Texas Capital BancShares Inc. (TCBI) is a Dallas-based bank holding company known primarily for commercial banking services to small and mid-sized businesses, commercial real estate clients and professional firms. With a market capitalisation of around $3.74bn, it operates through lending, deposit-taking and fee-based services, and has historically focused on relationship banking in Texas while expanding selective national lending lines. Investors should note typical regional-bank sensitivities: net interest margin and profitability tend to move with interest rates, and credit performance can be cyclical and tied to local economic conditions. Regulatory oversight, funding costs and loan-book composition are key variables for shareholders to monitor. This summary is educational only: it outlines what to watch rather than providing personalised investment advice. Values can rise or fall, and past performance does not guarantee future results.

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

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Which Baskets Do They Appear In?

Information Asymmetry Arbitrageurs

Published: June 17, 2025

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Comparison Snapshot