HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
USA - NYSE:HG - BMG427061046 - Common Stock
25.77 USD
-0.49 (-1.87%)
HG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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 would make HG suitable 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.
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
HG has a Return On Assets of 4.76%. This is amongst the best in the industry. HG outperforms 82.99% of its industry peers.
With a decent Return On Equity value of 16.47%, HG is doing good in the industry, outperforming 74.83% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.42%, HG belongs to the best of the industry, outperforming 83.67% 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 4.42%.
The last Return On Invested Capital (5.42%) for HG is above the 3 year average (3.57%), which is a sign of increasing profitability.
| 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 Profit Margin of 16.62%. This is amongst the best in the industry. HG outperforms 83.67% of its industry peers.
Looking at the Operating Margin, with a value of 23.18%, HG belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
HG's Operating Margin has improved in the last couple of years.
| 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
2. Health
2.1 Basic Checks
HG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
HG has less shares outstanding than it did 1 year ago.
The debt/assets ratio for HG has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.94, we must say that HG is in the distress zone and has some risk of bankruptcy.
HG's Altman-Z score of 0.94 is fine compared to the rest of the industry. HG outperforms 77.55% of its industry peers.
The Debt to FCF ratio of HG is 0.18, which is an excellent value as it means it would take HG, only 0.18 years of fcf income to pay off all of its debts.
HG's Debt to FCF ratio of 0.18 is amongst the best of the industry. HG outperforms 91.16% of its industry peers.
HG has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.06, HG is in the better half of the industry, outperforming 79.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 0.94 |
ROIC/WACC0.61
WACC8.93%
2.3 Liquidity
A Current Ratio of 0.15 indicates that HG may have some problems paying its short term obligations.
Looking at the Current 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.
HG has a Quick 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.
HG has a better Quick ratio (0.15) than 65.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
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
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.
The Revenue is expected to grow by 11.23% on average over the next years. This is quite good.
EPS Next Y1.59%
EPS Next 2Y8.59%
EPS Next 3Y11.6%
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
With a Price/Earnings ratio of 6.14, 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 78.91% of the companies in the same industry.
HG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.46.
With a Price/Forward Earnings ratio of 6.00, the valuation of HG can be described as very cheap.
HG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HG is cheaper than 78.91% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HG to the average of the S&P500 Index (35.39), we can say HG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 6 |
4.2 Price Multiples
90.48% 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 cheaper than 82.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.08 | ||
| EV/EBITDA | 2.88 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of HG may justify a higher PE ratio.
PEG (NY)3.87
PEG (5Y)N/A
EPS Next 2Y8.59%
EPS Next 3Y11.6%
5. Dividend
5.1 Amount
No dividends for HG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:HG (11/19/2025, 2:58:21 PM)
25.77
-0.49 (-1.87%)
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-4.43%
Market Cap2.56B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target27.69 (7.45%)
Short Float %2.59%
Short Ratio3.89
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)5.07%
PT rev (3m)12.32%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)-12.97%
EPS NY rev (1m)-9.5%
EPS NY rev (3m)12.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 6 | ||
| P/S | 0.97 | ||
| P/FCF | 3.08 | ||
| P/OCF | 3.08 | ||
| P/B | 0.96 | ||
| P/tB | 1 | ||
| EV/EBITDA | 2.88 |
EPS(TTM)4.2
EY16.3%
EPS(NY)4.29
Fwd EY16.66%
FCF(TTM)8.38
FCFY32.51%
OCF(TTM)8.38
OCFY32.51%
SpS26.54
BVpS26.77
TBVpS25.88
PEG (NY)3.87
PEG (5Y)N/A
Graham Number50.3
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 | 0.94 |
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 Y1.59%
EPS Next 2Y8.59%
EPS Next 3Y11.6%
EPS Next 5Y9.37%
Revenue 1Y (TTM)20.24%
Revenue growth 3Y176.06%
Revenue growth 5YN/A
Sales Q2Q%4.7%
Revenue Next Year18.49%
Revenue Next 2Y10.47%
Revenue Next 3Y11.23%
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 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 grow by 1.59% in the next year.