HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
NYSE:HG - New York Stock Exchange, Inc. - BMG427061046 - Common Stock - Currency: USD
Taking everything into account, HG scores 6 out of 10 in our fundamental rating. HG was compared to 144 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 has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! This makes HG very considerable for value and growth investing!
1. Profitability
1.1 Basic Checks
In the past year HG was profitable.
HG had a positive operating cash flow in the past year.
1.2 Ratios
With an excellent Return On Assets value of 6.30%, HG belongs to the best of the industry, outperforming 84.51% of the companies in the same industry.
With an excellent Return On Equity value of 21.32%, HG belongs to the best of the industry, outperforming 83.10% of the companies in the same industry.
HG has a better Return On Invested Capital (5.84%) than 82.39% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HG is below the industry average of 4.59%.
The last Return On Invested Capital (5.84%) for HG is above the 3 year average (1.47%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.3% | ||
| ROE | 21.32% | ||
| ROIC | 5.84% |
ROA(3y)0.52%
ROA(5y)N/A
ROE(3y)1.58%
ROE(5y)N/A
ROIC(3y)1.47%
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 22.48%, HG belongs to the best of the industry, outperforming 87.32% of the companies in the same industry.
The Operating Margin of HG (25.20%) is better than 85.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.2% | ||
| PM (TTM) | 22.48% | ||
| GM | N/A |
OM growth 3YN/A
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.
The number of shares outstanding for HG has been increased compared to 1 year ago.
HG has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.80, we must say that HG is in the distress zone and has some risk of bankruptcy.
HG's Altman-Z score of 0.80 is fine compared to the rest of the industry. HG outperforms 79.58% of its industry peers.
HG has a debt to FCF ratio of 0.29. This is a very positive value and a sign of high solvency as it would only need 0.29 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.29, HG belongs to the best of the industry, outperforming 92.25% 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's Debt to Equity ratio of 0.06 is amongst the best of the industry. HG outperforms 83.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.29 | ||
| Altman-Z | 0.8 |
ROIC/WACC0.62
WACC9.43%
2.3 Liquidity
A Current Ratio of 0.11 indicates that HG may have some problems paying its short term obligations.
With a decent Current ratio value of 0.11, HG is doing good in the industry, outperforming 65.49% of the companies in the same industry.
HG has a Quick Ratio of 0.11. This is a bad value and indicates that HG is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.11, HG is in the better half of the industry, outperforming 65.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 373.73% over the past year.
HG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.87%.
Measured over the past years, HG shows a very strong growth in Revenue. The Revenue has been growing by 33.34% on average per year.
EPS 1Y (TTM)373.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80.49%
Revenue 1Y (TTM)13.87%
Revenue growth 3Y33.34%
Revenue growth 5YN/A
Sales Q2Q%63.56%
3.2 Future
HG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.10% yearly.
Based on estimates for the next years, HG will show a very strong growth in Revenue. The Revenue will grow by 24.21% on average per year.
EPS Next Y96.79%
EPS Next 2Y36.97%
EPS Next 3Y28.87%
EPS Next 5Y22.1%
Revenue Next Year54.21%
Revenue Next 2Y29.12%
Revenue Next 3Y24.21%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.14, the valuation of HG can be described as very cheap.
Based on the Price/Earnings ratio, HG is valued cheaply inside the industry as 83.10% of the companies are valued more expensively.
HG is valuated cheaply when we compare the Price/Earnings ratio to 28.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.87, the valuation of HG can be described as very cheap.
HG's Price/Forward Earnings ratio is rather cheap when compared to the industry. HG is cheaper than 80.28% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HG to the average of the S&P500 Index (92.74), we can say HG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.14 | ||
| Fwd PE | 4.87 |
4.2 Price Multiples
HG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HG is cheaper than 96.48% of the companies in the same industry.
HG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HG is cheaper than 83.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.33 | ||
| EV/EBITDA | 0.7 |
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's earnings are expected to grow with 28.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y36.97%
EPS Next 3Y28.87%
5. Dividend
5.1 Amount
HG does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
HAMILTON INSURANCE GROU-CL B
NYSE:HG (2/4/2025, 8:04:01 PM)
After market: 18.53 +0.01 (+0.05%)18.52
-0.28 (-1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners62.64%
Inst Owner ChangeN/A
Ins Owners3.92%
Ins Owner Change5.82%
Market Cap1.19B
Analysts82.67
Price Target23.12 (24.84%)
Short Float %2.23%
Short Ratio3.51
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)28.14%
Min EPS beat(2)1.36%
Max EPS beat(2)54.93%
EPS beat(4)4
Avg EPS beat(4)38.42%
Min EPS beat(4)1.36%
Max EPS beat(4)71.51%
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)24.75%
Min Revenue beat(2)16.18%
Max Revenue beat(2)33.32%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-1.45%
PT rev (3m)-0.21%
EPS NQ rev (1m)26.12%
EPS NQ rev (3m)-17.51%
EPS NY rev (1m)2.49%
EPS NY rev (3m)-1.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)1.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.14 | ||
| Fwd PE | 4.87 | ||
| P/S | 0.54 | ||
| P/FCF | 2.33 | ||
| P/OCF | 2.33 | ||
| P/B | 0.51 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | 0.7 |
EPS(TTM)4.47
EY24.14%
EPS(NY)3.8
Fwd EY20.53%
FCF(TTM)7.95
FCFY42.95%
OCF(TTM)7.95
OCFY42.95%
SpS34.18
BVpS36.04
TBVpS34.57
PEG (NY)0.04
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.3% | ||
| ROE | 21.32% | ||
| ROCE | 7.39% | ||
| ROIC | 5.84% | ||
| ROICexc | 6.69% | ||
| ROICexgc | 9.41% | ||
| OM | 25.2% | ||
| PM (TTM) | 22.48% | ||
| GM | N/A | ||
| FCFM | 23.27% |
ROA(3y)0.52%
ROA(5y)N/A
ROE(3y)1.58%
ROE(5y)N/A
ROIC(3y)1.47%
ROIC(5y)N/A
ROICexc(3y)1.76%
ROICexc(5y)N/A
ROICexgc(3y)2.7%
ROICexgc(5y)N/A
ROCE(3y)1.87%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.29 | ||
| Debt/EBITDA | 0.26 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 89.69% | ||
| Profit Quality | 103.51% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 0.8 |
F-Score9
WACC9.43%
ROIC/WACC0.62
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)373.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80.49%
EPS Next Y96.79%
EPS Next 2Y36.97%
EPS Next 3Y28.87%
EPS Next 5Y22.1%
Revenue 1Y (TTM)13.87%
Revenue growth 3Y33.34%
Revenue growth 5YN/A
Sales Q2Q%63.56%
Revenue Next Year54.21%
Revenue Next 2Y29.12%
Revenue Next 3Y24.21%
Revenue Next 5YN/A
EBIT growth 1Y-4.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y48.33%
FCF growth 3Y371.58%
FCF growth 5YN/A
OCF growth 1Y48.33%
OCF growth 3Y371.58%
OCF growth 5YN/A