Hagerty vs TFS Financial

This page compares Hagerty and TFS Financial Corp, examining their business models, financial performance, and market context. It offers a neutral, accessible overview of how each organisation operates, the markets they serve, and the factors shaping their current position. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

HGTY

Metric

TFSL

$4.33B

Market Cap

$3.96B

9.72%

Potential Profit

-3.65%

Hold

Analyst Rating

Hold

Investment Analysis

Hagerty

HGTY

Pros

Hagerty is a market leader in specialty insurance for classic and enthusiast vehicles, benefiting from a loyal customer base and strong brand recognition.
The company has demonstrated robust revenue growth, with a nearly 20% year-on-year increase in 2024, driven by expanding insurance policies and membership services.
Hagerty's diversified platform includes media, events, and valuation tools, which enhance customer engagement and provide multiple revenue streams.

Considerations

Net income declined sharply in 2024, reflecting higher claims and operational costs, which could pressure profitability in the near term.
The stock trades at a high price-to-earnings ratio, suggesting it may be overvalued relative to earnings and industry peers.
Hagerty's business is exposed to cyclical risks, as demand for collector vehicles and insurance can fluctuate with economic conditions and interest rates.

TFS Financial

TFSL

Pros

TFS Financial operates as a stable savings and loan association with a strong regional presence and a conservative lending approach.
The company maintains a solid balance sheet with low loan loss provisions and a high level of liquidity, supporting resilience in uncertain markets.
TFS Financial offers a consistent dividend yield, appealing to income-focused investors seeking reliable returns.

Considerations

Growth has been limited due to a focus on traditional banking products and a lack of significant expansion into higher-yielding segments.
Net interest margins have been under pressure from low interest rates and competitive deposit pricing, affecting profitability.
The company faces regulatory and interest rate risks, which could impact future earnings and strategic flexibility.

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.

TFS Financial (TFSL)

TFS Financial Corp (TFSL) is the holding company for a U.S. regional bank offering deposits, lending and mortgage-related services to consumers and small businesses. With a market capitalisation of about $3.73 billion, TFSL sits in the small‑to‑mid cap regional-bank segment. Key items for investors include interest‑rate sensitivity (which influences net interest margin), loan portfolio quality and exposure to local housing markets. Funding mix and deposit stability are important, as competition for deposits and higher wholesale funding costs can squeeze margins. Regulatory capital, reserve levels and management’s credit discipline determine resilience through economic cycles. TFSL may appeal to investors seeking exposure to traditional banking earnings and potential dividend income, but bank stocks can be cyclical and volatile. This is general educational information, not personalised advice. Investors should consider their objectives, tolerance for risk and consult a qualified adviser before making investment decisions.

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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