HAMILTON INSURANCE GROU-CL B (HG) Fundamental Analysis & Valuation

NYSE:HG • BMG427061046

Current stock price

29.15 USD
-0.31 (-1.05%)
Last:

This HG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. HG Profitability Analysis

1.1 Basic Checks

  • HG had positive earnings in the past year.
  • In the past year HG had a positive cash flow from operations.
  • In multiple years HG reported negative net income over the last 5 years.
  • HG had a positive operating cash flow in 4 of the past 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 2025 0 200M -200M 400M 600M 800M

1.2 Ratios

  • HG has a better Return On Assets (6.02%) than 83.78% of its industry peers.
  • HG has a Return On Equity of 20.43%. This is amongst the best in the industry. HG outperforms 85.14% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.94%, HG is in the better half of the industry, outperforming 79.05% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for HG is below the industry average of 9.34%.
  • The last Return On Invested Capital (5.94%) for HG is above the 3 year average (4.78%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.02%
ROE 20.43%
ROIC 5.94%
ROA(3y)5.01%
ROA(5y)2.54%
ROE(3y)16.75%
ROE(5y)8.47%
ROIC(3y)4.78%
ROIC(5y)3.36%
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

  • The Profit Margin of HG (20.78%) is better than 85.14% of its industry peers.
  • HG has a better Operating Margin (24.54%) than 83.11% of its industry peers.
  • HG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 24.54%
PM (TTM) 20.78%
GM N/A
OM growth 3Y25.25%
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 10 -10 20 -20 -30

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5

2. HG Health Analysis

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.
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

  • Based on the Altman-Z score of 0.97, we must say that HG is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 0.97, HG is doing good in the industry, outperforming 79.73% 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.
  • With an excellent Debt to FCF ratio value of 0.18, HG belongs to the best of the industry, outperforming 90.54% of the companies in the same industry.
  • A Debt/Equity ratio of 0.05 indicates that HG is not too dependend on debt financing.
  • HG's Debt to Equity ratio of 0.05 is amongst the best of the industry. HG outperforms 81.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.18
Altman-Z 0.97
ROIC/WACC0.65
WACC9.1%
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

  • HG has a Current Ratio of 0.11. 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 Current ratio of 0.11 is fine compared to the rest of the industry. HG outperforms 66.22% of its industry peers.
  • HG has a Quick Ratio of 0.11. 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 Quick ratio (0.11) than 66.22% of its industry peers.
Industry RankSector Rank
Current Ratio 0.11
Quick Ratio 0.11
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

6

3. HG Growth Analysis

3.1 Past

  • HG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.02%, which is quite impressive.
  • HG shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.21%.
  • Measured over the past years, HG shows a very strong growth in Revenue. The Revenue has been growing by 34.35% on average per year.
EPS 1Y (TTM)53.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%428.12%
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 decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.29% yearly.
  • Based on estimates for the next years, HG will show a quite strong growth in Revenue. The Revenue will grow by 8.51% on average per year.
EPS Next Y-21.28%
EPS Next 2Y-4.69%
EPS Next 3Y0.71%
EPS Next 5Y-0.29%
Revenue Next Year1.4%
Revenue Next 2Y6.76%
Revenue Next 3Y8.51%
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 2028 1B 2B 3B
HG Yearly EPS VS EstimatesHG Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2028 2029 2030 1 2 3 4 5

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7

4. HG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.23, the valuation of HG can be described as very cheap.
  • Based on the Price/Earnings ratio, HG is valued cheaper than 82.43% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of HG to the average of the S&P500 Index (25.50), we can say HG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.65, which indicates a rather cheap valuation of HG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HG indicates a somewhat cheap valuation: HG is cheaper than 75.68% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.67. HG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.23
Fwd PE 6.65
HG Price Earnings VS Forward Price EarningsHG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • HG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HG is cheaper than 84.46% of the companies in the same industry.
  • HG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HG is cheaper than 75.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.43
EV/EBITDA 2.88
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-4.69%
EPS Next 3Y0.71%

More info and screens

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

4

5. HG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.01%, HG is a good candidate for dividend investing.
  • HG's Dividend Yield is rather good when compared to the industry average which is at 2.84. HG pays more dividend than 91.89% of the companies in the same industry.
  • HG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 7.01%

5.2 History

  • HG is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
HG Yearly Dividends per shareHG Yearly Dividends per shareYearly Dividends per share 2026 0.5 1 1.5

5.3 Sustainability

DPN/A
EPS Next 2Y-4.69%
EPS Next 3Y0.71%
HG Yearly Income VS Free CF VS DividendHG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M

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HG Fundamentals: All Metrics, Ratios and Statistics

HAMILTON INSURANCE GROU-CL B

NYSE:HG (3/25/2026, 2:49:58 PM)

29.15

-0.31 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-05
Inst Owners85.99%
Inst Owner ChangeN/A
Ins Owners4.79%
Ins Owner Change2.75%
Market Cap2.89B
Revenue(TTM)2.78B
Net Income(TTM)576.67M
Analysts78.67
Price Target32.28 (10.74%)
Short Float %1.69%
Short Ratio1.71
Dividend
Industry RankSector Rank
Dividend Yield 7.01%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)74.03%
Min EPS beat(2)71.64%
Max EPS beat(2)76.43%
EPS beat(4)4
Avg EPS beat(4)656.33%
Min EPS beat(4)64.93%
Max EPS beat(4)2412.32%
EPS beat(8)7
Avg EPS beat(8)332.88%
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)4087.5%
Min Revenue beat(2)3712.96%
Max Revenue beat(2)4462.04%
Revenue beat(4)4
Avg Revenue beat(4)2541.49%
Min Revenue beat(4)768.9%
Max Revenue beat(4)4462.04%
Revenue beat(8)8
Avg Revenue beat(8)1301.83%
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)5.23%
PT rev (3m)9.93%
EPS NQ rev (1m)-2.06%
EPS NQ rev (3m)-2.06%
EPS NY rev (1m)-0.98%
EPS NY rev (3m)-1.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.64%
Revenue NY rev (3m)0.64%
Valuation
Industry RankSector Rank
PE 5.23
Fwd PE 6.65
P/S 1.04
P/FCF 3.43
P/OCF 3.43
P/B 1.02
P/tB 1.06
EV/EBITDA 2.88
EPS(TTM)5.57
EY19.11%
EPS(NY)4.38
Fwd EY15.04%
FCF(TTM)8.5
FCFY29.15%
OCF(TTM)8.5
OCFY29.15%
SpS28
BVpS28.47
TBVpS27.59
PEG (NY)N/A
PEG (5Y)N/A
Graham Number59.73
Profitability
Industry RankSector Rank
ROA 6.02%
ROE 20.43%
ROCE 7.52%
ROIC 5.94%
ROICexc 6.73%
ROICexgc 9.15%
OM 24.54%
PM (TTM) 20.78%
GM N/A
FCFM 30.35%
ROA(3y)5.01%
ROA(5y)2.54%
ROE(3y)16.75%
ROE(5y)8.47%
ROIC(3y)4.78%
ROIC(5y)3.36%
ROICexc(3y)5.47%
ROICexc(5y)3.89%
ROICexgc(3y)7.6%
ROICexgc(5y)5.53%
ROCE(3y)6.05%
ROCE(5y)4.26%
ROICexgc growth 3Y26.26%
ROICexgc growth 5YN/A
ROICexc growth 3Y33%
ROICexc growth 5YN/A
OM growth 3Y25.25%
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 0.05
Debt/FCF 0.18
Debt/EBITDA 0.21
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 31.43
Cash Conversion 120.85%
Profit Quality 146.07%
Current Ratio 0.11
Quick Ratio 0.11
Altman-Z 0.97
F-Score7
WACC9.1%
ROIC/WACC0.65
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)148.38%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%428.12%
EPS Next Y-21.28%
EPS Next 2Y-4.69%
EPS Next 3Y0.71%
EPS Next 5Y-0.29%
Revenue 1Y (TTM)21.21%
Revenue growth 3Y28.11%
Revenue growth 5Y34.35%
Sales Q2Q%21.52%
Revenue Next Year1.4%
Revenue Next 2Y6.76%
Revenue Next 3Y8.51%
Revenue Next 5YN/A
EBIT growth 1Y12.76%
EBIT growth 3Y60.45%
EBIT growth 5YN/A
EBIT Next Year-10.38%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.94%
FCF growth 3Y64.02%
FCF growth 5Y215.37%
OCF growth 1Y10.94%
OCF growth 3Y64.02%
OCF growth 5Y215.37%

HAMILTON INSURANCE GROU-CL B / HG Fundamental Analysis 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 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 -21.28% in the next year.