HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HG - BMG427061046 - Common Stock
26.16 USD
-0.21 (-0.8%)
26.16 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 only an average score on both its financial health and profitability. HG scores decently on growth, while it is valued quite cheap. This could make an interesting combination. With these ratings, HG could be worth investigating further 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
- Looking at the Return On Assets, with a value of 4.76%, HG belongs to the top of the industry, outperforming 80.82% of the companies in the same industry.
- HG's Return On Equity of 16.47% is fine compared to the rest of the industry. HG outperforms 73.29% of its industry peers.
- HG has a Return On Invested Capital of 5.42%. This is amongst the best in the industry. HG outperforms 82.19% 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 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
- The Profit Margin of HG (16.62%) is better than 84.25% of its industry peers.
- HG's Operating Margin of 23.18% is amongst the best of the industry. HG outperforms 82.88% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HG is destroying value.
- The number of shares outstanding for HG has been reduced compared to 1 year ago.
- HG has a better debt/assets ratio than last year.
2.2 Solvency
- HG has an Altman-Z score of 0.94. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
- With a decent Altman-Z score value of 0.94, HG is doing good in the industry, outperforming 79.45% of the companies in the same industry.
- 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 91.78% 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 79.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 0.94 |
ROIC/WACC0.6
WACC9.04%
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.
- Looking at the Current ratio, with a value of 0.15, HG is in the better half of the industry, outperforming 66.44% 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.
- 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 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%.
- Looking at the last year, HG shows a very strong growth in Revenue. The Revenue has grown by 20.24%.
- HG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 176.06% yearly.
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
- The Earnings Per Share is expected to grow by 9.88% on average over the next years. This is quite good.
- Based on estimates for the next years, HG will show a quite strong growth in Revenue. The Revenue will grow by 11.41% on average per year.
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
- HG is valuated cheaply with a Price/Earnings ratio of 6.23.
- Based on the Price/Earnings ratio, HG is valued cheaply inside the industry as 81.51% of the companies are valued more expensively.
- HG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
- The Price/Forward Earnings ratio is 5.88, which 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 78.08% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. HG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 5.88 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HG is valued cheaply inside the industry as 87.67% of the companies are valued more expensively.
- 81.51% of the companies in the same industry are more expensive than HG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.09 | ||
| EV/EBITDA | 2.85 |
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.
- The decent profitability rating of HG 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)0.24
PEG (5Y)N/A
EPS Next 2Y10.53%
EPS Next 3Y12.28%
5. Dividend
5.1 Amount
- HG does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
26.16
-0.21 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-19 2026-02-19/amc
Inst Owners86.56%
Inst Owner ChangeN/A
Ins Owners4.54%
Ins Owner Change-5.16%
Market Cap2.57B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target30.24 (15.6%)
Short Float %2.07%
Short Ratio2.72
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)0.5%
PT rev (3m)11.43%
EPS NQ rev (1m)-1.66%
EPS NQ rev (3m)14.97%
EPS NY rev (1m)2.11%
EPS NY rev (3m)11.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)2.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 5.88 | ||
| P/S | 0.98 | ||
| P/FCF | 3.09 | ||
| P/OCF | 3.09 | ||
| P/B | 0.97 | ||
| P/tB | 1 | ||
| EV/EBITDA | 2.85 |
EPS(TTM)4.2
EY16.06%
EPS(NY)4.45
Fwd EY17%
FCF(TTM)8.47
FCFY32.37%
OCF(TTM)8.47
OCFY32.37%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)0.24
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 | 0.94 |
F-Score7
WACC9.04%
ROIC/WACC0.6
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 for 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.
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 grow by 25.59% in the next year.