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Hagerty, Inc. (HGTY) vs RLI Corp. (RLI)

Hagerty, Inc. and RLI Corp. are both Insurance Property & Casualty companies. Hagerty, Inc. and RLI Corp. are of similar size ($6.4B and $6.3B). RLI Corp. trades at the lower P/E: 16.2× against 57.0×. RLI Corp. grew revenue faster over the last twelve months: 4.65% against −3.77%. RLI Corp. has the higher net margin (20.3% vs 0.52%) and the higher return on invested capital (16.5% vs 0.00%). Across the 20 metrics below, Hagerty, Inc. leads on 10 and RLI Corp. on 10.

Valuation

Metric HGTY RLI Insurance Property & Casualty median
P/E 57.02 16.22 12.17
P/S 1.41 3.29 1.26
P/B 2.93 3.77 1.85
Price to free cash flow 6.96 12.02 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.75% 6.16% 8.20%
Free cash flow yield 14.36% 8.32% 11.86%

Profitability

Metric HGTY RLI Insurance Property & Casualty median
Gross margin 100.00% 33.49% 37.39%
Operating margin 18.23% 26.42% 14.67%
Net margin 0.52% 20.34% 10.16%
Free cash flow margin 20.29% 27.37% 18.60%
Return on equity 1.10% 22.13% 16.59%
Return on assets 0.32% 6.23% 3.38%
Return on invested capital 0.00% 16.47% 9.43%

Growth

Metric HGTY RLI Insurance Property & Casualty median
Revenue growth (TTM) (3.77%) 4.65% 5.70%
EPS growth (last fiscal year) 270.00% 16.84% 39.61%
Revenue growth, 5-year CAGR 23.86% 13.86% 9.23%
Net income growth, 5-year CAGR 32.47% 20.75% 10.09%

Health

Metric HGTY RLI Insurance Property & Casualty median
Debt to equity 0.41 0.18 0.25
Current ratio 1.59 0.25 0.49
Net debt to EBITDA (3.42) 0.09 0.08

Dividend

Metric HGTY RLI Insurance Property & Casualty median
Dividend yield — 0.75% 1.56%
Payout ratio — 0.12 0.15

Size

Metric HGTY RLI Insurance Property & Casualty median
Market cap 6.31b 6.40b 2.64b

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