HG Fundamental Analysis - HAMILTON INSURANCE GROU-CL B

Fundamental Rating

Overall HG gets a fundamental rating of 5 out of 10. We evaluated HG against 148 industry peers in the Insurance industry. HG has an average financial health and profitability rating. HG is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings could make HG a good candidate for value investing.

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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

HG has a Return On Assets of 4.76%. This is in the better half of the industry: HG outperforms 79.73% of its industry peers.

Looking at the Return On Equity, with a value of 16.47%, HG is in the better half of the industry, outperforming 71.62% of the companies in the same industry.

With an excellent Return On Invested Capital value of 5.42%, HG belongs to the best of the industry, outperforming 82.43% of the companies in the same industry.

Measured over the past 3 years, the Average Return On Invested Capital for HG is in line with the industry average of 4.57%.

The 3 year average ROIC (3.57%) for HG is below the current ROIC(5.42%), indicating increased profibility in the last year.

		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

HG has a Profit Margin of 16.62%. This is amongst the best in the industry. HG outperforms 83.11% of its industry peers.

HG has a better Operating Margin (23.18%) than 85.14% of its industry peers.

HG's Operating Margin has improved in the last couple of years.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

HG has a better debt/assets ratio than last year.

2.2 Solvency

HG has an Altman-Z score of 0.95. 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 0.95. This is in the better half of the industry: HG outperforms 77.70% 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 has a Debt to FCF ratio of 0.18. This is amongst the best in the industry. HG outperforms 90.54% of its industry peers.

A Debt/Equity ratio of 0.06 indicates that HG is not too dependend on debt financing.

HG's Debt to Equity ratio of 0.06 is fine compared to the rest of the industry. HG outperforms 78.38% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	0.18
Altman-Z	0.95

ROIC/WACC0.61

WACC8.9%

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 64.86% 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.

Looking at the Quick ratio, with a value of 0.15, HG is in the better half of the industry, outperforming 64.86% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.15
Quick Ratio	0.15

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for HG have decreased by -6.04% in the last year.

The Revenue has grown by 20.24% in the past year. This is a very strong growth!

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.

HG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.23% yearly.

EPS Next Y1.59%

EPS Next 2Y8.59%

EPS Next 3Y11.6%

EPS Next 5Y9.88%

Revenue Next Year18.49%

Revenue Next 2Y10.47%

Revenue Next 3Y11.23%

Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.25, the valuation of HG can be described as very cheap.

HG's Price/Earnings ratio is a bit cheaper when compared to the industry. HG is cheaper than 79.05% of the companies in the same industry.

HG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.37.

A Price/Forward Earnings ratio of 6.12 indicates a rather cheap valuation of HG.

HG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HG is cheaper than 78.38% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of HG to the average of the S&P500 Index (36.20), we can say HG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.25
Fwd PE	6.12

4.2 Price Multiples

HG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HG is cheaper than 87.16% 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 80.41% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.1
EV/EBITDA	2.93

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HG does not grow enough to justify the current Price/Earnings ratio.

HG has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)3.94

PEG (5Y)N/A

EPS Next 2Y8.59%

EPS Next 3Y11.6%

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5. Dividend

5.1 Amount

HG does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HAMILTON INSURANCE GROU-CL B

NYSE:HG (12/3/2025, 8:04:00 PM)

After market: 26.25 0 (0%)

26.25

-0.63 (-2.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-04 2025-11-04/amc

Earnings (Next)02-24 2026-02-24/amc

Inst Owners84.15%

Inst Owner ChangeN/A

Ins Owners4.72%

Ins Owner Change-4.76%

Market Cap2.58B

Revenue(TTM)2.64B

Net Income(TTM)438.41M

Analysts78.67

Price Target28.92 (10.17%)

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)9.77%

PT rev (3m)9.77%

EPS NQ rev (1m)15.94%

EPS NQ rev (3m)0.41%

EPS NY rev (1m)11.84%

EPS NY rev (3m)-4.02%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.19%

Valuation

		Industry Rank	Sector Rank
PE	6.25
Fwd PE	6.12
P/S	0.98
P/FCF	3.1
P/OCF	3.1
P/B	0.97
P/tB	1
EV/EBITDA	2.93

EPS(TTM)4.2

EY16%

EPS(NY)4.29

Fwd EY16.35%

FCF(TTM)8.47

FCFY32.26%

OCF(TTM)8.47

OCFY32.26%

SpS26.82

BVpS27.06

TBVpS26.16

PEG (NY)3.94

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

WACC8.9%

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 Y1.59%

EPS Next 2Y8.59%

EPS Next 3Y11.6%

EPS Next 5Y9.88%

Revenue 1Y (TTM)20.24%

Revenue growth 3Y176.06%

Revenue growth 5YN/A

Sales Q2Q%4.7%

Revenue Next Year18.49%

Revenue Next 2Y10.47%

Revenue Next 3Y11.23%

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 of HAMILTON INSURANCE GROU-CL B (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.

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 1.59% in the next year.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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HAMILTON INSURANCE GROU-CL B / HG FAQ

What is the fundamental rating for HG stock?

What is the valuation status of HAMILTON INSURANCE GROU-CL B (HG) stock?

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

Can you provide the financial health for HG stock?

Can you provide the expected EPS growth for HG stock?