HG Fundamental Analysis - HAMILTON INSURANCE GROU-CL B

Name: HAMILTON INSURANCE GROU-CL B (HG) Stock
Brand: HAMILTON INSURANCE GROU-CL B
Rating: 6.5 (3 reviews)

Fundamental Rating

Taking everything into account, HG scores 5 out of 10 in our fundamental rating. HG was compared to 147 industry peers in the Insurance industry. Both the profitability and the financial health of HG get a neutral evaluation. Nothing too spectacular is happening here. HG is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make HG suitable for value investing!

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1. Profitability

1.1 Basic Checks

HG had positive earnings in the past year.

HG had a positive operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: HG reported negative net income in multiple years.

HG had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 4.27%, HG belongs to the top of the industry, outperforming 80.27% of the companies in the same industry.

HG has a Return On Equity of 14.87%. This is in the better half of the industry: HG outperforms 72.11% of its industry peers.

Looking at the Return On Invested Capital, with a value of 5.11%, HG belongs to the top of the industry, outperforming 81.63% of the companies in the same industry.

The Average Return On Invested Capital over the past 3 years for HG is in line with the industry average of 4.49%.

The last Return On Invested Capital (5.11%) for HG is above the 3 year average (3.57%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	4.27%
ROE	14.87%
ROIC	5.11%

ROA(3y)2.44%

ROA(5y)N/A

ROE(3y)7.98%

ROE(5y)N/A

ROIC(3y)3.57%

ROIC(5y)N/A

1.3 Margins

The Profit Margin of HG (14.96%) is better than 79.59% of its industry peers.

HG has a Operating Margin of 21.84%. This is amongst the best in the industry. HG outperforms 85.03% of its industry peers.

In the last couple of years the Operating Margin of HG has grown nicely.

		Industry Rank	Sector Rank
OM	21.84%
PM (TTM)	14.96%
GM	N/A

OM growth 3Y36.39%

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HG is destroying value.

Compared to 1 year ago, HG has less shares outstanding

HG has a better debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of 0.90, we must say that HG is in the distress zone and has some risk of bankruptcy.

HG's Altman-Z score of 0.90 is fine compared to the rest of the industry. HG outperforms 78.23% of its industry peers.

HG has a debt to FCF ratio of 0.21. This is a very positive value and a sign of high solvency as it would only need 0.21 years to pay back of all of its debts.

HG has a Debt to FCF ratio of 0.21. This is amongst the best in the industry. HG outperforms 90.48% of its industry peers.

A Debt/Equity ratio of 0.06 indicates that HG is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.06, HG is doing good in the industry, outperforming 78.91% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.21
Altman-Z	0.9

ROIC/WACC0.57

WACC8.93%

2.3 Liquidity

HG has a Current Ratio of 0.12. This is a bad value and indicates that HG is not financially healthy enough and could expect problems in meeting its short term obligations.

With a decent Current ratio value of 0.12, HG is doing good in the industry, outperforming 63.95% of the companies in the same industry.

A Quick Ratio of 0.12 indicates that HG may have some problems paying its short term obligations.

HG has a better Quick ratio (0.12) than 63.95% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.12
Quick Ratio	0.12

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.56%.

Looking at the last year, HG shows a very strong growth in Revenue. The Revenue has grown by 25.92%.

HG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 176.06% yearly.

EPS 1Y (TTM)-12.56%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%49.17%

Revenue 1Y (TTM)25.92%

Revenue growth 3Y176.06%

Revenue growth 5YN/A

Sales Q2Q%25.99%

3.2 Future

The Earnings Per Share is expected to grow by 9.37% on average over the next years. This is quite good.

The Revenue is expected to grow by 11.23% on average over the next years. This is quite good.

EPS Next Y-9.17%

EPS Next 2Y8.11%

EPS Next 3Y11.24%

EPS Next 5Y9.37%

Revenue Next Year18.49%

Revenue Next 2Y10.47%

Revenue Next 3Y11.23%

Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.54, which indicates a rather cheap valuation of HG.

78.91% of the companies in the same industry are more expensive than HG, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.10, HG is valued rather cheaply.

With a Price/Forward Earnings ratio of 5.56, the valuation of HG can be described as very cheap.

HG's Price/Forward Earnings ratio is rather cheap when compared to the industry. HG is cheaper than 80.27% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, HG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.54
Fwd PE	5.56

4.2 Price Multiples

HG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HG is cheaper than 90.48% of the companies in the same industry.

Based on the Price/Free Cash Flow ratio, HG is valued a bit cheaper than the industry average as 79.59% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.37
EV/EBITDA	2.65

4.3 Compensation for Growth

HG has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y8.11%

EPS Next 3Y11.24%

More info and screens

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5. Dividend

5.1 Amount

No dividends for HG!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HAMILTON INSURANCE GROU-CL B

NYSE:HG (10/31/2025, 8:04:01 PM)

After market: 23.67 0 (0%)

23.67

-0.08 (-0.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-06 2025-08-06/amc

Earnings (Next)11-04 2025-11-04/amc

Inst Owners84.15%

Inst Owner ChangeN/A

Ins Owners4.72%

Ins Owner Change-1.69%

Market Cap2.35B

Revenue(TTM)2.54B

Net Income(TTM)380.46M

Analysts78.67

Price Target27.69 (16.98%)

Short Float %2.93%

Short Ratio4.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)1238.62%

Min EPS beat(2)64.93%

Max EPS beat(2)2412.32%

EPS beat(4)3

Avg EPS beat(4)608.54%

Min EPS beat(4)-44.46%

Max EPS beat(4)2412.32%

EPS beat(8)6

Avg EPS beat(8)320.76%

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)2

Avg Revenue beat(2)995.48%

Min Revenue beat(2)768.9%

Max Revenue beat(2)1222.05%

Revenue beat(4)4

Avg Revenue beat(4)545.38%

Min Revenue beat(4)33.32%

Max Revenue beat(4)1222.05%

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)5.07%

PT rev (3m)12.32%

EPS NQ rev (1m)25.79%

EPS NQ rev (3m)14.03%

EPS NY rev (1m)-19.08%

EPS NY rev (3m)0.5%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)6.59%

Valuation

		Industry Rank	Sector Rank
PE	6.54
Fwd PE	5.56
P/S	0.93
P/FCF	3.37
P/OCF	3.37
P/B	0.92
P/tB	0.95
EV/EBITDA	2.65

EPS(TTM)3.62

EY15.29%

EPS(NY)4.25

Fwd EY17.97%

FCF(TTM)7.02

FCFY29.66%

OCF(TTM)7.02

OCFY29.66%

SpS25.58

BVpS25.73

TBVpS24.83

PEG (NY)N/A

PEG (5Y)N/A

Graham Number45.78

Profitability

		Industry Rank	Sector Rank
ROA	4.27%
ROE	14.87%
ROCE	6.47%
ROIC	5.11%
ROICexc	5.77%
ROICexgc	7.89%
OM	21.84%
PM (TTM)	14.96%
GM	N/A
FCFM	27.44%

ROA(3y)2.44%

ROA(5y)N/A

ROE(3y)7.98%

ROE(5y)N/A

ROIC(3y)3.57%

ROIC(5y)N/A

ROICexc(3y)4.18%

ROICexc(5y)N/A

ROICexgc(3y)6.07%

ROICexgc(5y)N/A

ROCE(3y)4.52%

ROCE(5y)N/A

ROICexgc growth 3Y222.81%

ROICexgc growth 5YN/A

ROICexc growth 3Y233.68%

ROICexc growth 5YN/A

OM growth 3Y36.39%

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.29

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.21
Debt/EBITDA	0.26
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	250
Cash Conversion	121.76%
Profit Quality	183.46%
Current Ratio	0.12
Quick Ratio	0.12
Altman-Z	0.9

F-Score7

WACC8.93%

ROIC/WACC0.57

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-12.56%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%49.17%

EPS Next Y-9.17%

EPS Next 2Y8.11%

EPS Next 3Y11.24%

EPS Next 5Y9.37%

Revenue 1Y (TTM)25.92%

Revenue growth 3Y176.06%

Revenue growth 5YN/A

Sales Q2Q%25.99%

Revenue Next Year18.49%

Revenue Next 2Y10.47%

Revenue Next 3Y11.23%

Revenue Next 5YN/A

EBIT growth 1Y14.33%

EBIT growth 3Y276.51%

EBIT growth 5YN/A

EBIT Next Year-11.06%

EBIT Next 3Y0.28%

EBIT Next 5YN/A

FCF growth 1Y434.44%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y434.44%

OCF growth 3YN/A

OCF growth 5YN/A

HAMILTON INSURANCE GROU-CL B / HG FAQ

What is the fundamental rating for HG stock?

ChartMill assigns a fundamental rating of 5 / 10 to HG.

What is the valuation status of HAMILTON INSURANCE GROU-CL B (HG) stock?

ChartMill assigns a valuation rating of 7 / 10 to HAMILTON INSURANCE GROU-CL B (HG). This can be considered as Undervalued.

Can you provide the profitability details for HAMILTON INSURANCE GROU-CL B?

HAMILTON INSURANCE GROU-CL B (HG) has a profitability rating of 6 / 10.

Can you provide the financial health for HG stock?

The financial health rating of HAMILTON INSURANCE GROU-CL B (HG) is 5 / 10.

Can you provide the expected EPS growth for HG stock?

The Earnings per Share (EPS) of HAMILTON INSURANCE GROU-CL B (HG) is expected to decline by -9.17% in the next year.

HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

HAMILTON INSURANCE GROU-CL B / HG FAQ

What is the fundamental rating for HG stock?

What is the valuation status of HAMILTON INSURANCE GROU-CL B (HG) stock?

Can you provide the profitability details for HAMILTON INSURANCE GROU-CL B?

Can you provide the financial health for HG stock?

Can you provide the expected EPS growth for HG stock?