HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
USA - NYSE:HG - BMG427061046 - Common Stock
24.64 USD
-0.1 (-0.4%)
24.64 USD
0 (0%)
Taking everything into account, HG scores 6 out of 10 in our fundamental rating. HG was compared to 145 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 could make HG a good candidate for value investing.
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.
In multiple years HG reported negative net income over the last 5 years.
Of the past 5 years HG 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of HG (4.27%) is better than 80.69% of its industry peers.
HG has a Return On Equity of 14.87%. This is in the better half of the industry: HG outperforms 73.79% of its industry peers.
HG has a Return On Invested Capital of 5.11%. This is amongst the best in the industry. HG outperforms 82.07% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HG is in line with the industry average of 4.40%.
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
HG has a Profit Margin of 14.96%. This is amongst the best in the industry. HG outperforms 80.69% of its industry peers.
HG has a Operating Margin of 21.84%. This is amongst the best in the industry. HG outperforms 84.83% of its industry peers.
HG's Operating Margin has improved in the last couple of years.
| 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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 0.91, we must say that HG is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.91, HG is in the better half of the industry, outperforming 77.24% of the companies in the same industry.
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's Debt to FCF ratio of 0.21 is amongst the best of the industry. HG outperforms 90.34% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that HG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.06, HG is in the better half of the industry, outperforming 78.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | 0.91 |
ROIC/WACC0.57
WACC8.96%
2.3 Liquidity
A Current Ratio of 0.12 indicates that HG may have some problems paying its short term obligations.
With a decent Current ratio value of 0.12, HG is doing good in the industry, outperforming 63.45% of the companies in the same industry.
HG has a Quick 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 Quick ratio value of 0.12, HG is doing good in the industry, outperforming 63.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
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%.
The Revenue has grown by 25.92% in the past year. This is a very strong growth!
Measured over the past years, HG shows a very strong growth in Revenue. The Revenue has been growing by 176.06% on average per year.
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
HG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.37% yearly.
Based on estimates for the next years, HG will show a quite strong growth in Revenue. The Revenue will grow by 11.23% on average per year.
EPS Next Y12.24%
EPS Next 2Y8.36%
EPS Next 3Y10.84%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.81, the valuation of HG can be described as very cheap.
HG's Price/Earnings ratio is a bit cheaper when compared to the industry. HG is cheaper than 78.62% of the companies in the same industry.
When comparing the Price/Earnings ratio of HG to the average of the S&P500 Index (27.91), we can say HG is valued rather cheaply.
The Price/Forward Earnings ratio is 5.76, which indicates a rather cheap valuation of HG.
Based on the Price/Forward Earnings ratio, HG is valued cheaply inside the industry as 80.69% of the companies are valued more expensively.
HG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.81 | ||
| Fwd PE | 5.76 |
4.2 Price Multiples
90.34% of the companies in the same industry are more expensive than HG, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, HG is valued a bit cheaper than 79.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.51 | ||
| EV/EBITDA | 2.83 |
4.3 Compensation for Growth
HG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
HG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y8.36%
EPS Next 3Y10.84%
5. Dividend
5.1 Amount
No dividends for HG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
24.64
-0.1 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners84.15%
Inst Owner ChangeN/A
Ins Owners4.72%
Ins Owner Change-1.69%
Market Cap2.45B
Analysts78.67
Price Target26.35 (6.94%)
Short Float %2.37%
Short Ratio3.17
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)0%
PT rev (3m)9.93%
EPS NQ rev (1m)-4.21%
EPS NQ rev (3m)-13.9%
EPS NY rev (1m)6.05%
EPS NY rev (3m)24.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)3.19%
Revenue NY rev (3m)6.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.81 | ||
| Fwd PE | 5.76 | ||
| P/S | 0.96 | ||
| P/FCF | 3.51 | ||
| P/OCF | 3.51 | ||
| P/B | 0.96 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | 2.83 |
EPS(TTM)3.62
EY14.69%
EPS(NY)4.27
Fwd EY17.35%
FCF(TTM)7.02
FCFY28.49%
OCF(TTM)7.02
OCFY28.49%
SpS25.58
BVpS25.73
TBVpS24.83
PEG (NY)0.56
PEG (5Y)N/A
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
ROICexcg growth 3Y222.81%
ROICexcg 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 | 0.91 |
F-Score7
WACC8.96%
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 Y12.24%
EPS Next 2Y8.36%
EPS Next 3Y10.84%
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