HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
NYSE:HG - BMG427061046 - Common Stock
24.025 USD
+0.66 (+2.85%)
We assign a fundamental rating of 5 out of 10 to HG. HG was compared to 143 industry peers in the Insurance industry. HG has an average financial health and profitability rating. HG is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, HG could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
In the past year HG was profitable.
In the past year HG had a positive cash flow from operations.
In multiple years HG reported negative net income over the last 5 years.
HG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of HG (4.27%) is better than 80.42% of its industry peers.
With a decent Return On Equity value of 14.87%, HG is doing good in the industry, outperforming 73.43% of the companies in the same industry.
HG's Return On Invested Capital of 5.11% is amongst the best of the industry. HG outperforms 83.22% of its industry peers.
HG had an Average Return On Invested Capital over the past 3 years of 3.57%. This is in line with the industry average of 4.11%.
The 3 year average ROIC (3.57%) for HG is below the current ROIC(5.11%), indicating increased profibility in the last year.
| 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 better Profit Margin (14.96%) than 81.12% of its industry peers.
Looking at the Operating Margin, with a value of 21.84%, HG belongs to the top of the industry, outperforming 85.31% of the companies in the same industry.
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
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 0.89, 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 0.89, HG is in the better half of the industry, outperforming 79.72% 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.
Looking at the Debt to FCF ratio, with a value of 0.21, HG belongs to the top of the industry, outperforming 89.51% of the companies in the same industry.
HG has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
HG has a better Debt to Equity ratio (0.06) than 80.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | 0.89 |
ROIC/WACC0.56
WACC9.1%
2.3 Liquidity
A Current Ratio of 0.12 indicates that HG may have some problems paying its short term obligations.
HG's Current ratio of 0.12 is fine compared to the rest of the industry. HG outperforms 64.34% of its industry peers.
A Quick Ratio of 0.12 indicates that HG may have some problems paying its short term obligations.
HG has a Quick ratio of 0.12. This is in the better half of the industry: HG outperforms 64.34% of its industry peers.
| 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%.
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
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 12.07% on average over the next years. This is quite good.
EPS Next Y5.84%
EPS Next 2Y7.27%
EPS Next 3Y9.75%
EPS Next 5Y9.37%
Revenue Next Year14.83%
Revenue Next 2Y11.74%
Revenue Next 3Y12.07%
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 6.64, the valuation of HG can be described as very cheap.
Based on the Price/Earnings ratio, HG is valued a bit cheaper than 79.02% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.08. HG is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.74, the valuation of HG can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HG indicates a somewhat cheap valuation: HG is cheaper than 78.32% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of HG to the average of the S&P500 Index (22.67), we can say HG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.64 | ||
| Fwd PE | 5.74 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HG is valued cheaply inside the industry as 89.51% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, HG is valued a bit cheaper than 79.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.42 | ||
| EV/EBITDA | 2.59 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
HG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.14
PEG (5Y)N/A
EPS Next 2Y7.27%
EPS Next 3Y9.75%
5. Dividend
5.1 Amount
No dividends for HG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:HG (8/27/2025, 12:01:08 PM)
24.025
+0.66 (+2.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners79.51%
Inst Owner ChangeN/A
Ins Owners4.88%
Ins Owner Change6.51%
Market Cap2.39B
Analysts81.33
Price Target26.35 (9.68%)
Short Float %2.16%
Short Ratio2.67
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)6.9%
PT rev (3m)13.14%
EPS NQ rev (1m)-2.14%
EPS NQ rev (3m)-11.29%
EPS NY rev (1m)17.1%
EPS NY rev (3m)25.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)3.3%
Revenue NY rev (3m)3.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.64 | ||
| Fwd PE | 5.74 | ||
| P/S | 0.94 | ||
| P/FCF | 3.42 | ||
| P/OCF | 3.42 | ||
| P/B | 0.93 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | 2.59 |
EPS(TTM)3.62
EY15.07%
EPS(NY)4.19
Fwd EY17.43%
FCF(TTM)7.02
FCFY29.22%
OCF(TTM)7.02
OCFY29.22%
SpS25.58
BVpS25.73
TBVpS24.83
PEG (NY)1.14
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 | 0.89 |
F-Score7
WACC9.1%
ROIC/WACC0.56
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 Y5.84%
EPS Next 2Y7.27%
EPS Next 3Y9.75%
EPS Next 5Y9.37%
Revenue 1Y (TTM)25.92%
Revenue growth 3Y176.06%
Revenue growth 5YN/A
Sales Q2Q%25.99%
Revenue Next Year14.83%
Revenue Next 2Y11.74%
Revenue Next 3Y12.07%
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