COMPARE · Data as of August 27, 2026
HGTY vs RLI
Verdict: Side-by-side breakdown using the Bull Rankings model. HGTY scored 72.0, RLI scored 69.0 — HGTY leads.
Compare another set
HGTY
Hagerty, Inc.
33.9Fin
$13.32 · $4.6B
fundamentals as of
Strength gap
42.9
RLI leads
RLI
RLI Corp.
76.8Fin
$64.22 · $5.9B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestRLI13.5x
- Fastest growthHGTY+18.1%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
HGTY
RLI
+18.1%B+
Rev
+6.3%C+
102.5xD
P/E
13.5xB
8.9%C+
ROE
25.2%A-
6.29D
P/B
—
0.0%C
Yield
1.1%C+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
HGTYHagerty, Inc.
Why now
Insurance - Property & Casualty · market cap $4.6b. 5% off the 52-week high of $14.00. Revenue growing +18%, comfortably above the S&P median. PEG 0.23 — paying under fair value for the growth rate. 8 sell-side analysts rate this a Buy with a mean 1-yr target of $14.50 (implying +9% upside).
Moat
Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Trailing P/E 102.5x prices in sustained high growth — any quarter that disappoints triggers sharp re-rating. Net margin 1.2% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
RLIRLI Corp.
Why now
Insurance - Property & Casualty · market cap $5.9b. 6% off the 52-week high of $68.29. 4 sell-side analysts rate this a Hold with a mean 1-yr target of $60.50 (implying -6% upside).
Moat
Net margin 22% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 25% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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