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

NYSE:HG • BMG427061046

30.97 USD
+0.55 (+1.81%)
At close: Feb 23, 2026
30.97 USD
0 (0%)
After Hours: 2/23/2026, 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 150 industry peers in the Insurance industry. HG has an average financial health and profitability rating. HG has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

5

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.
  • The reported operating cash flow has been mixed in the past 5 years: HG reported negative operating cash flow in multiple 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 2025 0 200M -200M 400M 600M 800M

1.2 Ratios

  • HG has a better Return On Assets (4.76%) than 80.00% of its industry peers.
  • The Return On Equity of HG (16.47%) is better than 73.33% of its industry peers.
  • With an excellent Return On Invested Capital value of 5.42%, HG belongs to the best of the industry, outperforming 81.33% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for HG is significantly below the industry average of 15.13%.
  • The 3 year average ROIC (5.27%) for HG is below the current ROIC(5.42%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.76%
ROE 16.47%
ROIC 5.42%
ROA(3y)5.01%
ROA(5y)2.54%
ROE(3y)16.75%
ROE(5y)8.47%
ROIC(3y)5.27%
ROIC(5y)3.66%
HG Yearly ROA, ROE, ROICHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 0 5 -5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.62%, HG belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
  • With a decent Operating Margin value of 23.18%, HG is doing good in the industry, outperforming 79.33% of the companies in the same industry.
  • HG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 23.18%
PM (TTM) 16.62%
GM N/A
OM growth 3Y34.9%
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 2025 0 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • Compared to 1 year ago, HG has less shares outstanding
  • Compared to 1 year ago, HG has an improved debt to assets ratio.
HG Yearly Shares OutstandingHG Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • HG has an Altman-Z score of 0.98. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
  • HG has a Altman-Z score of 0.98. This is amongst the best in the industry. HG outperforms 82.00% 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.
  • HG's Debt to FCF ratio of 0.18 is amongst the best of the industry. HG outperforms 92.00% of its industry peers.
  • A Debt/Equity ratio of 0.06 indicates that HG is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.06, HG is doing good in the industry, outperforming 80.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.18
Altman-Z 0.98
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 2025 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • A Current Ratio of 0.15 indicates that HG may have some problems paying its short term obligations.
  • HG has a better Current ratio (0.15) than 66.00% of its industry peers.
  • 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 66.00% of the companies in the same industry.
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 2025 100M 200M 300M 400M 500M

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 51.92% over the past year.
  • Looking at the last year, HG shows a very strong growth in Revenue. The Revenue has grown by 21.21%.
  • HG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.35% yearly.
EPS 1Y (TTM)51.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%415.62%
Revenue 1Y (TTM)21.21%
Revenue growth 3Y28.11%
Revenue growth 5Y34.35%
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.
  • HG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.54% yearly.
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

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.60, which indicates a rather cheap valuation of HG.
  • Based on the Price/Earnings ratio, HG is valued cheaper than 82.67% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, HG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.99, the valuation of HG can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, HG is valued a bit cheaper than 74.00% 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 27.75.
Industry RankSector Rank
PE 5.6
Fwd PE 6.99
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

  • Based on the Enterprise Value to EBITDA ratio, HG is valued cheaper than 83.33% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HG indicates a somewhat cheap valuation: HG is cheaper than 76.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.66
EV/EBITDA 3.48
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.72%
EPS Next 3Y-1.38%

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

0

5. Dividend

5.1 Amount

  • No dividends for HG!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

HAMILTON INSURANCE GROU-CL B

NYSE:HG (2/23/2026, 8:04:00 PM)

After market: 30.97 0 (0%)

30.97

+0.55 (+1.81%)

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 Cap3.05B
Revenue(TTM)2.78B
Net Income(TTM)438.41M
Analysts78.67
Price Target30.67 (-0.97%)
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)1.45%
PT rev (3m)10.79%
EPS NQ rev (1m)-1.69%
EPS NQ rev (3m)14.59%
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 5.6
Fwd PE 6.99
P/S 1.15
P/FCF 3.66
P/OCF 3.66
P/B 1.14
P/tB 1.18
EV/EBITDA 3.48
EPS(TTM)5.53
EY17.86%
EPS(NY)4.43
Fwd EY14.3%
FCF(TTM)8.47
FCFY27.35%
OCF(TTM)8.47
OCFY27.35%
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)5.01%
ROA(5y)2.54%
ROE(3y)16.75%
ROE(5y)8.47%
ROIC(3y)5.27%
ROIC(5y)3.66%
ROICexc(3y)6.03%
ROICexc(5y)4.23%
ROICexgc(3y)8.37%
ROICexgc(5y)5.99%
ROCE(3y)6.67%
ROCE(5y)4.63%
ROICexgc growth 3Y36.05%
ROICexgc growth 5YN/A
ROICexc growth 3Y43.26%
ROICexc growth 5YN/A
OM growth 3Y34.9%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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 0.98
F-Score6
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)21.21%
Revenue growth 3Y28.11%
Revenue growth 5Y34.35%
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 3Y72.82%
EBIT growth 5YN/A
EBIT Next Year-10.38%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y63.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y63.11%
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 6 / 10 to HAMILTON INSURANCE GROU-CL B (HG). This can be considered as Fairly Valued.


Can you provide the profitability details for HAMILTON INSURANCE GROU-CL B?

HAMILTON INSURANCE GROU-CL B (HG) has a profitability rating of 5 / 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.