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

NYSE:HG • BMG427061046

30.42 USD
+1.11 (+3.79%)
At close: Feb 20, 2026
30.3889 USD
-0.03 (-0.1%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

HG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. HG has an average financial health and profitability rating. HG has a bad growth rate and is valued cheaply. These ratings could make HG a good candidate 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.
  • In multiple years HG reported negative operating cash flow during the last 5 years.
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 (4.76%) is better than 81.21% of its industry peers.
  • HG has a Return On Equity of 16.47%. This is in the better half of the industry: HG outperforms 73.83% of its industry peers.
  • HG has a Return On Invested Capital of 5.42%. This is amongst the best in the industry. HG outperforms 81.21% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for HG is significantly below the industry average of 15.11%.
  • 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 RankSector 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
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 Profit Margin of 16.62%. This is amongst the best in the industry. HG outperforms 84.56% of its industry peers.
  • Looking at the Operating Margin, with a value of 23.18%, HG is in the better half of the industry, outperforming 79.19% 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 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
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HG is destroying value.
  • HG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 0.97. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
  • HG has a better Altman-Z score (0.97) than 81.21% 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.
  • The Debt to FCF ratio of HG (0.18) is better than 91.95% 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.
  • With a decent Debt to Equity ratio value of 0.06, HG is doing good in the industry, outperforming 79.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.18
Altman-Z 0.97
ROIC/WACC0.61
WACC8.87%
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 0.15 indicates that HG may have some problems paying its short term obligations.
  • The Current ratio of HG (0.15) is better than 66.44% of its industry peers.
  • A Quick Ratio of 0.15 indicates that HG may have some problems paying its short term obligations.
  • HG's Quick ratio of 0.15 is fine compared to the rest of the industry. HG outperforms 66.44% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 51.92% over the past year.
EPS 1Y (TTM)51.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%415.62%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.52%

3.2 Future

  • HG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.02% yearly.
  • Based on estimates for the next years, HG will show a small growth in Revenue. The Revenue will grow by 6.54% on average per year.
EPS Next Y-19.93%
EPS Next 2Y-3.72%
EPS Next 3Y-1.38%
EPS Next 5Y3.02%
Revenue Next Year0.75%
Revenue Next 2Y6.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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 2030 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.50, which indicates a rather cheap valuation of HG.
  • Based on the Price/Earnings ratio, HG is valued cheaper than 83.22% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. HG is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 6.87 indicates a rather cheap valuation of HG.
  • Based on the Price/Forward Earnings ratio, HG is valued a bit cheaper than the industry average as 75.17% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. HG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.5
Fwd PE 6.87
HG Price Earnings VS Forward Price EarningsHG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HG indicates a rather cheap valuation: HG is cheaper than 87.25% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, HG is valued a bit cheaper than the industry average as 78.52% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.59
EV/EBITDA 3.31
HG Per share dataHG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • HG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.72%
EPS Next 3Y-1.38%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • HG does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

HAMILTON INSURANCE GROU-CL B

NYSE:HG (2/20/2026, 8:04:00 PM)

After market: 30.3889 -0.03 (-0.1%)

30.42

+1.11 (+3.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-05
Inst Owners86.56%
Inst Owner ChangeN/A
Ins Owners4.54%
Ins Owner Change-3.44%
Market Cap2.99B
Revenue(TTM)N/A
Net Income(TTM)438.41M
Analysts78.67
Price Target30.67 (0.82%)
Short Float %1.94%
Short Ratio2.27
Dividend
Industry RankSector 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)4.47%
PT rev (3m)10.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.56%
EPS NY rev (1m)0%
EPS NY rev (3m)23.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 5.5
Fwd PE 6.87
P/S 1.13
P/FCF 3.59
P/OCF 3.59
P/B 1.12
P/tB 1.16
EV/EBITDA 3.31
EPS(TTM)5.53
EY18.18%
EPS(NY)4.43
Fwd EY14.55%
FCF(TTM)8.47
FCFY27.84%
OCF(TTM)8.47
OCFY27.84%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)N/A
PEG (5Y)N/A
Graham Number58.03
Profitability
Industry RankSector 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 RankSector 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 0.97
F-Score7
WACC8.87%
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)51.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%415.62%
EPS Next Y-19.93%
EPS Next 2Y-3.72%
EPS Next 3Y-1.38%
EPS Next 5Y3.02%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.52%
Revenue Next Year0.75%
Revenue Next 2Y6.54%
Revenue Next 3YN/A
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 for 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.


What is the earnings growth outlook for HAMILTON INSURANCE GROU-CL B?

The Earnings per Share (EPS) of HAMILTON INSURANCE GROU-CL B (HG) is expected to decline by -19.93% in the next year.