HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HG - BMG427061046 - Common Stock
28.14 USD
+0.53 (+1.92%)
28.14 USD
0 (0%)
Taking everything into account, HG scores 6 out of 10 in our fundamental rating. HG was compared to 147 industry peers in the Insurance industry. HG has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on HG. These ratings would make HG suitable 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.
The reported net income has been mixed in the past 5 years: HG reported negative net income in multiple years.
HG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of HG (4.76%) is better than 80.27% of its industry peers.
With a decent Return On Equity value of 16.47%, HG is doing good in the industry, outperforming 72.79% of the companies in the same industry.
The Return On Invested Capital of HG (5.42%) is better than 80.27% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HG is significantly below the industry average of 14.90%.
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
With an excellent Profit Margin value of 16.62%, HG belongs to the best of the industry, outperforming 84.35% of the companies in the same industry.
HG has a better Operating Margin (23.18%) than 82.99% of its industry peers.
In the last couple of years the Operating Margin of HG has grown nicely.
| 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.
Compared to 1 year ago, HG has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.95, we must say that HG is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 0.95, HG is doing good in the industry, outperforming 78.23% 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.
The Debt to FCF ratio of HG (0.18) is better than 90.48% 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.
The Debt to Equity ratio of HG (0.06) is better than 78.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 0.95 |
ROIC/WACC0.61
WACC8.94%
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.
HG has a better Current ratio (0.15) than 65.31% of its industry peers.
A Quick Ratio of 0.15 indicates that HG may have some problems paying its short term obligations.
The Quick ratio of HG (0.15) is better than 65.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
HG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.04%.
HG shows a strong growth in Revenue. In the last year, 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
HG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.88% yearly.
The Revenue is expected to grow by 11.44% on average over the next years. This is quite good.
EPS Next Y23%
EPS Next 2Y10.53%
EPS Next 3Y12.28%
EPS Next 5Y9.88%
Revenue Next Year21.87%
Revenue Next 2Y10.84%
Revenue Next 3Y11.44%
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
HG is valuated cheaply with a Price/Earnings ratio of 6.70.
Compared to the rest of the industry, the Price/Earnings ratio of HG indicates a rather cheap valuation: HG is cheaper than 80.27% of the companies listed in the same industry.
HG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.54.
The Price/Forward Earnings ratio is 6.33, which indicates a rather cheap valuation of HG.
80.27% of the companies in the same industry are more expensive than HG, based on the Price/Forward Earnings ratio.
HG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.7 | ||
| Fwd PE | 6.33 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HG is valued cheaper than 87.76% 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 80.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.32 | ||
| EV/EBITDA | 3.04 |
4.3 Compensation for Growth
The 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.
A more expensive valuation may be justified as HG's earnings are expected to grow with 12.28% in the coming years.
PEG (NY)0.29
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 | N/A |
28.14
+0.53 (+1.92%)
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 Cap2.77B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target29.22 (3.84%)
Short Float %2.22%
Short Ratio3.21
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)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)5.53%
PT rev (3m)10.88%
EPS NQ rev (1m)18.9%
EPS NQ rev (3m)16.91%
EPS NY rev (1m)21.08%
EPS NY rev (3m)16.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.85%
Revenue NY rev (3m)6.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.7 | ||
| Fwd PE | 6.33 | ||
| P/S | 1.05 | ||
| P/FCF | 3.32 | ||
| P/OCF | 3.32 | ||
| P/B | 1.04 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | 3.04 |
EPS(TTM)4.2
EY14.93%
EPS(NY)4.45
Fwd EY15.8%
FCF(TTM)8.47
FCFY30.1%
OCF(TTM)8.47
OCFY30.1%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)0.29
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 | 0.95 |
F-Score7
WACC8.94%
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 Y23%
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 Year21.87%
Revenue Next 2Y10.84%
Revenue Next 3Y11.44%
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 23% in the next year.