HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HG - BMG427061046 - Common Stock
28.25 USD
-0.01 (-0.04%)
28.25 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to HG. HG was compared to 148 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 could make HG a good candidate 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.
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.
1.2 Ratios
HG has a better Return On Assets (4.76%) than 80.41% of its industry peers.
Looking at the Return On Equity, with a value of 16.47%, HG is in the better half of the industry, outperforming 72.97% of the companies in the same industry.
HG has a Return On Invested Capital of 5.42%. This is amongst the best in the industry. HG outperforms 80.41% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HG is significantly below the industry average of 14.88%.
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 better Profit Margin (16.62%) than 84.46% of its industry peers.
The Operating Margin of HG (23.18%) is better than 81.76% of its industry peers.
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.
HG has a better debt/assets ratio than last year.
2.2 Solvency
HG has an Altman-Z score of 0.96. 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 0.96, HG is in the better half of the industry, outperforming 78.38% of the companies in the same industry.
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.
HG has a better Debt to FCF ratio (0.18) than 91.89% 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 has a better Debt to Equity ratio (0.06) than 79.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 0.96 |
ROIC/WACC0.61
WACC8.95%
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 64.19% 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.
With a decent Quick ratio value of 0.15, HG is doing good in the industry, outperforming 64.19% of the companies in the same industry.
| 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.
Looking at the last year, HG shows a very strong growth in Revenue. The Revenue has grown by 20.24%.
The Revenue has been growing by 176.06% on average over the past years. This is a very strong growth!
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 11.41% on average over the next years. This is quite good.
EPS Next Y25.59%
EPS Next 2Y10.53%
EPS Next 3Y12.28%
EPS Next 5Y9.88%
Revenue Next Year21.82%
Revenue Next 2Y10.79%
Revenue Next 3Y11.41%
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 6.73, the valuation of HG can be described as very cheap.
Based on the Price/Earnings ratio, HG is valued cheaply inside the industry as 81.08% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.39, HG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.35, the valuation of HG can be described as very cheap.
Based on the Price/Forward Earnings ratio, HG is valued cheaper than 80.41% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. HG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.73 | ||
| Fwd PE | 6.35 |
4.2 Price Multiples
HG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HG is cheaper than 87.84% 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 80.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.34 | ||
| EV/EBITDA | 3.14 |
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 has a very decent profitability rating, which 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)0.26
PEG (5Y)N/A
EPS Next 2Y10.53%
EPS Next 3Y12.28%
5. Dividend
5.1 Amount
No dividends for HG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
28.25
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners86.34%
Inst Owner ChangeN/A
Ins Owners4.54%
Ins Owner Change-4.68%
Market Cap2.78B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target29.36 (3.93%)
Short Float %1.97%
Short Ratio2.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)6.05%
PT rev (3m)11.43%
EPS NQ rev (1m)0.85%
EPS NQ rev (3m)14.97%
EPS NY rev (1m)23.64%
EPS NY rev (3m)11.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.81%
Revenue NY rev (3m)2.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.73 | ||
| Fwd PE | 6.35 | ||
| P/S | 1.05 | ||
| P/FCF | 3.34 | ||
| P/OCF | 3.34 | ||
| P/B | 1.04 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | 3.14 |
EPS(TTM)4.2
EY14.87%
EPS(NY)4.45
Fwd EY15.74%
FCF(TTM)8.47
FCFY29.98%
OCF(TTM)8.47
OCFY29.98%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)0.26
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 | 0.96 |
F-Score7
WACC8.95%
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 Y25.59%
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 Year21.82%
Revenue Next 2Y10.79%
Revenue Next 3Y11.41%
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 25.59% in the next year.