HG Fundamental Analysis - HAMILTON INSURANCE GROU-CL B

Fundamental Rating

Overall HG gets a fundamental rating of 6 out of 10. We evaluated HG against 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings could make HG a good candidate 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.

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

1.2 Ratios

HG has a better Return On Assets (4.76%) than 80.27% of its industry peers.

HG has a Return On Equity of 16.47%. This is in the better half of the industry: HG outperforms 72.79% of its industry peers.

With an excellent Return On Invested Capital value of 5.42%, HG belongs to the best of the industry, outperforming 80.27% of the companies in the same industry.

HG had an Average Return On Invested Capital over the past 3 years of 3.57%. This is significantly below the industry average of 14.90%.

The 3 year average ROIC (3.57%) for HG is below the current ROIC(5.42%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	4.76%
ROE	16.47%
ROIC	5.42%

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 better Profit Margin (16.62%) than 84.35% of its industry peers.

Looking at the Operating Margin, with a value of 23.18%, HG belongs to the top of the industry, outperforming 82.99% of the companies in the same industry.

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

		Industry Rank	Sector Rank
OM	23.18%
PM (TTM)	16.62%
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.

HG has less shares outstanding than it did 1 year ago.

Compared to 1 year ago, HG has an improved debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of 0.95, we must say that HG is in the distress zone and has some risk of bankruptcy.

HG's Altman-Z score of 0.95 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 0.18. This is a very positive value and a sign of high solvency as it would only need 0.18 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.18, HG belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.

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

HG has a Debt to Equity ratio of 0.06. This is in the better half of the industry: HG outperforms 78.91% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.18
Altman-Z	0.95

ROIC/WACC0.61

WACC8.93%

2.3 Liquidity

HG has a Current Ratio of 0.15. 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 0.15, HG is doing good in the industry, outperforming 65.31% of the companies in the same industry.

A Quick Ratio of 0.15 indicates that HG may have some problems paying its short term obligations.

Looking at the Quick ratio, with a value of 0.15, HG is in the better half of the industry, outperforming 65.31% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.15
Quick Ratio	0.15

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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

The earnings per share for HG have decreased by -6.04% in the last year.

The Revenue has grown by 20.24% 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)-6.04%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%78.38%

Revenue 1Y (TTM)20.24%

Revenue growth 3Y176.06%

Revenue growth 5YN/A

Sales Q2Q%4.7%

3.2 Future

Based on estimates for the next years, HG will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.88% on average per year.

The Revenue is expected to grow by 11.44% on average over the next years. This is quite good.

EPS Next Y23%

EPS Next 2Y10.53%

EPS Next 3Y12.28%

EPS Next 5Y9.88%

Revenue Next Year21.87%

Revenue Next 2Y10.84%

Revenue Next 3Y11.44%

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

With a Price/Earnings ratio of 6.57, the valuation of HG can be described as very cheap.

Based on the Price/Earnings ratio, HG is valued cheaply inside the industry as 80.27% of the companies are valued more expensively.

HG is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 6.21, the valuation of HG can be described as very cheap.

Based on the Price/Forward Earnings ratio, HG is valued cheaply inside the industry as 80.27% of the companies are valued more expensively.

HG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.80, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	6.57
Fwd PE	6.21

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, HG is valued cheaply inside the industry as 88.44% of the companies are valued more expensively.

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

		Industry Rank	Sector Rank
P/FCF	3.26
EV/EBITDA	2.95

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.

The decent profitability rating of HG may justify a higher PE ratio.

HG's earnings are expected to grow with 12.28% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.29

PEG (5Y)N/A

EPS Next 2Y10.53%

EPS Next 3Y12.28%

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5. Dividend

5.1 Amount

HG does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HAMILTON INSURANCE GROU-CL B

NYSE:HG (12/11/2025, 4:39:40 PM)

After market: 27.61 0 (0%)

27.61

+0.58 (+2.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

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

Earnings (Next)02-24 2026-02-24/amc

Inst Owners86.34%

Inst Owner ChangeN/A

Ins Owners4.54%

Ins Owner Change-4.68%

Market Cap2.72B

Revenue(TTM)2.64B

Net Income(TTM)438.41M

Analysts78.67

Price Target29.22 (5.83%)

Short Float %2.22%

Short Ratio3.21

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)68.28%

Min EPS beat(2)64.93%

Max EPS beat(2)71.64%

EPS beat(4)3

Avg EPS beat(4)626.11%

Min EPS beat(4)-44.46%

Max EPS beat(4)2412.32%

EPS beat(8)7

Avg EPS beat(8)332.26%

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)2467.51%

Min Revenue beat(2)1222.05%

Max Revenue beat(2)3712.96%

Revenue beat(4)4

Avg Revenue beat(4)1465.29%

Min Revenue beat(4)157.25%

Max Revenue beat(4)3712.96%

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)5.53%

PT rev (3m)10.88%

EPS NQ rev (1m)18.9%

EPS NQ rev (3m)16.91%

EPS NY rev (1m)21.08%

EPS NY rev (3m)16.22%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)2.85%

Revenue NY rev (3m)6.13%

Valuation

		Industry Rank	Sector Rank
PE	6.57
Fwd PE	6.21
P/S	1.03
P/FCF	3.26
P/OCF	3.26
P/B	1.02
P/tB	1.06
EV/EBITDA	2.95

EPS(TTM)4.2

EY15.21%

EPS(NY)4.45

Fwd EY16.11%

FCF(TTM)8.47

FCFY30.67%

OCF(TTM)8.47

OCFY30.67%

SpS26.82

BVpS27.06

TBVpS26.16

PEG (NY)0.29

PEG (5Y)N/A

Graham Number50.57

Profitability

		Industry Rank	Sector Rank
ROA	4.76%
ROE	16.47%
ROCE	6.86%
ROIC	5.42%
ROICexc	6.07%
ROICexgc	8.19%
OM	23.18%
PM (TTM)	16.62%
GM	N/A
FCFM	31.57%

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	0.18
Debt/EBITDA	0.24
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	250
Cash Conversion	132.67%
Profit Quality	190.01%
Current Ratio	0.15
Quick Ratio	0.15
Altman-Z	0.95

F-Score7

WACC8.93%

ROIC/WACC0.61

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)-6.04%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%78.38%

EPS Next Y23%

EPS Next 2Y10.53%

EPS Next 3Y12.28%

EPS Next 5Y9.88%

Revenue 1Y (TTM)20.24%

Revenue growth 3Y176.06%

Revenue growth 5YN/A

Sales Q2Q%4.7%

Revenue Next Year21.87%

Revenue Next 2Y10.84%

Revenue Next 3Y11.44%

Revenue Next 5YN/A

EBIT growth 1Y10.61%

EBIT growth 3Y276.51%

EBIT growth 5YN/A

EBIT Next Year-11.06%

EBIT Next 3Y0.28%

EBIT Next 5YN/A

FCF growth 1Y168.16%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y168.16%

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 6 / 10 to HG.

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

ChartMill assigns a valuation rating of 9 / 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 grow by 23% 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

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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

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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?