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

NYSE:HG - New York Stock Exchange, Inc. - BMG427061046 - Common Stock - Currency: USD

21.39  +0.29 (+1.37%)

After market: 21.39 0 (0%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to HG. HG was compared to 145 industry peers in the Insurance industry. HG has an average financial health and profitability rating. 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!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year HG was profitable.
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.
HG Yearly Net Income VS EBIT VS OCF VS FCFHG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 200M -200M 400M 600M

1.2 Ratios

The Return On Assets of HG (3.89%) is better than 81.51% of its industry peers.
With a decent Return On Equity value of 13.51%, HG is doing good in the industry, outperforming 66.44% of the companies in the same industry.
With an excellent Return On Invested Capital value of 4.75%, HG belongs to the best of the industry, outperforming 83.56% 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 in line with the industry average of 4.07%.
The 3 year average ROIC (3.57%) for HG is below the current ROIC(4.75%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.89%
ROE 13.51%
ROIC 4.75%
ROA(3y)2.44%
ROA(5y)N/A
ROE(3y)7.98%
ROE(5y)N/A
ROIC(3y)3.57%
ROIC(5y)N/A
HG Yearly ROA, ROE, ROICHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

HG has a better Profit Margin (13.64%) than 78.08% of its industry peers.
Looking at the Operating Margin, with a value of 20.48%, HG belongs to the top of the industry, outperforming 80.14% of the companies in the same industry.
In the last couple of years the Operating Margin of HG has grown nicely.
Industry RankSector Rank
OM 20.48%
PM (TTM) 13.64%
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
HG Yearly Profit, Operating, Gross MarginsHG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

6

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.
The number of shares outstanding for HG has been reduced compared to 1 year ago.
HG has a better debt/assets ratio than last year.
HG Yearly Shares OutstandingHG Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 20M 40M 60M 80M 100M
HG Yearly Total Debt VS Total AssetsHG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

HG has an Altman-Z score of 0.88. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.88, HG belongs to the top of the industry, outperforming 80.82% of the companies in the same industry.
HG has a debt to FCF ratio of 0.24. This is a very positive value and a sign of high solvency as it would only need 0.24 years to pay back of all of its debts.
The Debt to FCF ratio of HG (0.24) is better than 89.04% 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.
HG's Debt to Equity ratio of 0.06 is amongst the best of the industry. HG outperforms 81.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.24
Altman-Z 0.88
ROIC/WACC0.52
WACC9.17%
HG Yearly LT Debt VS Equity VS FCFHG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

A Current Ratio of 0.18 indicates that HG may have some problems paying its short term obligations.
With a decent Current ratio value of 0.18, HG is doing good in the industry, outperforming 67.81% of the companies in the same industry.
HG has a Quick Ratio of 0.18. 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 (0.18) than 67.81% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
HG Yearly Current Assets VS Current LiabilitesHG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 100M 200M 300M 400M

6

3. Growth

3.1 Past

HG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.82%.
HG shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.23%.
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)-7.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-44.2%
Revenue 1Y (TTM)31.23%
Revenue growth 3Y176.06%
Revenue growth 5YN/A
Sales Q2Q%16.72%

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 8.03% yearly.
HG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.80% yearly.
EPS Next Y-9.62%
EPS Next 2Y8.21%
EPS Next 3Y11.49%
EPS Next 5Y8.03%
Revenue Next Year11.16%
Revenue Next 2Y11.43%
Revenue Next 3Y11.8%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
HG Yearly Revenue VS EstimatesHG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
HG Yearly EPS VS EstimatesHG Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

7

4. Valuation

4.1 Price/Earnings Ratio

HG is valuated cheaply with a Price/Earnings ratio of 7.06.
Based on the Price/Earnings ratio, HG is valued a bit cheaper than 79.45% 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 27.45.
The Price/Forward Earnings ratio is 5.02, which indicates a rather cheap valuation of HG.
Based on the Price/Forward Earnings ratio, HG is valued a bit cheaper than 79.45% of the companies in the same industry.
HG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.89.
Industry RankSector Rank
PE 7.06
Fwd PE 5.02
HG Price Earnings VS Forward Price EarningsHG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, HG is valued cheaply inside the industry as 88.36% of the companies are valued more expensively.
76.71% of the companies in the same industry are more expensive than HG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.45
EV/EBITDA 2.99
HG Per share dataHG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The decent profitability rating of HG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y8.21%
EPS Next 3Y11.49%

0

5. Dividend

5.1 Amount

HG does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

HAMILTON INSURANCE GROU-CL B

NYSE:HG (7/3/2025, 7:33:41 PM)

After market: 21.39 0 (0%)

21.39

+0.29 (+1.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners78.84%
Inst Owner ChangeN/A
Ins Owners4.88%
Ins Owner Change7.99%
Market Cap2.20B
Analysts81.33
Price Target23.97 (12.06%)
Short Float %2.34%
Short Ratio2.84
Dividend
Industry RankSector 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)1
Avg EPS beat(2)1183.93%
Min EPS beat(2)-44.46%
Max EPS beat(2)2412.32%
EPS beat(4)3
Avg EPS beat(4)606.04%
Min EPS beat(4)-44.46%
Max EPS beat(4)2412.32%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)463.08%
Min Revenue beat(2)157.25%
Max Revenue beat(2)768.9%
Revenue beat(4)4
Avg Revenue beat(4)243.91%
Min Revenue beat(4)16.18%
Max Revenue beat(4)768.9%
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)2.92%
PT rev (3m)-1.4%
EPS NQ rev (1m)4.41%
EPS NQ rev (3m)2.04%
EPS NY rev (1m)6.82%
EPS NY rev (3m)10.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.57%
Valuation
Industry RankSector Rank
PE 7.06
Fwd PE 5.02
P/S 0.92
P/FCF 3.45
P/OCF 3.45
P/B 0.92
P/tB 0.95
EV/EBITDA 2.99
EPS(TTM)3.03
EY14.17%
EPS(NY)4.26
Fwd EY19.93%
FCF(TTM)6.19
FCFY28.95%
OCF(TTM)6.19
OCFY28.95%
SpS23.13
BVpS23.36
TBVpS22.47
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.89%
ROE 13.51%
ROCE 6.02%
ROIC 4.75%
ROICexc 5.3%
ROICexgc 7.29%
OM 20.48%
PM (TTM) 13.64%
GM N/A
FCFM 26.77%
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 Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.24
Debt/EBITDA 0.3
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 126.22%
Profit Quality 196.22%
Current Ratio 0.18
Quick Ratio 0.18
Altman-Z 0.88
F-Score7
WACC9.17%
ROIC/WACC0.52
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)-7.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-44.2%
EPS Next Y-9.62%
EPS Next 2Y8.21%
EPS Next 3Y11.49%
EPS Next 5Y8.03%
Revenue 1Y (TTM)31.23%
Revenue growth 3Y176.06%
Revenue growth 5YN/A
Sales Q2Q%16.72%
Revenue Next Year11.16%
Revenue Next 2Y11.43%
Revenue Next 3Y11.8%
Revenue Next 5YN/A
EBIT growth 1Y39.85%
EBIT growth 3Y276.51%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y185.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y188.7%
OCF growth 3YN/A
OCF growth 5YN/A