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

NYSE:HG • BMG427061046

31.55 USD
-0.04 (-0.13%)
At close: Mar 2, 2026
31.75 USD
+0.2 (+0.63%)
After Hours: 3/2/2026, 8:25:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, HG scores 6 out of 10 in our fundamental rating. HG was compared to 149 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. These ratings could make HG a good candidate for value investing.


Dividend Valuation Growth Profitability Health

6

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.
  • Of the past 5 years HG 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 6.02%, HG belongs to the top of the industry, outperforming 86.58% of the companies in the same industry.
  • HG's Return On Equity of 20.43% is amongst the best of the industry. HG outperforms 86.58% of its industry peers.
  • HG has a Return On Invested Capital of 5.94%. This is amongst the best in the industry. HG outperforms 82.55% 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 15.27%.
  • 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 86.58% of its industry peers.
  • HG has a better Operating Margin (24.54%) than 81.21% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HG is destroying value.
  • The number of shares outstanding for HG has been reduced compared to 1 year ago.
  • The debt/assets ratio for HG has been reduced compared to a year ago.
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 0.99, we must say that HG is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of HG (0.99) is better than 79.19% 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 better Debt to FCF ratio (0.18) than 92.62% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that HG is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.05, HG belongs to the best of the industry, outperforming 81.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.18
Altman-Z 0.99
ROIC/WACC0.68
WACC8.74%
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 0.11 indicates that HG may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.11, HG is in the better half of the industry, outperforming 65.77% of the companies in the same industry.
  • 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 65.77% 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

5

3. Growth

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.
  • Looking at the last year, HG shows a very strong growth in Revenue. 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

  • Based on estimates for the next years, HG will show a small growth in Earnings Per Share. The EPS will grow by 2.87% on average per year.
  • The Revenue is expected to grow by 6.54% on average over the next years.
EPS Next Y-20.51%
EPS Next 2Y-4.07%
EPS Next 3Y-1.61%
EPS Next 5Y2.87%
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

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.66, the valuation of HG can be described as very cheap.
  • 83.89% of the companies in the same industry are more expensive than HG, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.13, HG is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.13, the valuation of HG can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HG indicates a somewhat cheap valuation: HG is cheaper than 75.17% of the companies listed in the same industry.
  • HG is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.11, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.66
Fwd PE 7.13
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

  • 87.25% of the companies in the same industry are more expensive than HG, based on the Enterprise Value to EBITDA ratio.
  • 75.84% of the companies in the same industry are more expensive than HG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.68
EV/EBITDA 3.14
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

  • The decent profitability rating of HG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.07%
EPS Next 3Y-1.61%

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

4

5. Dividend

5.1 Amount

  • HG has a Yearly Dividend Yield of 6.33%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.46, HG pays a better dividend. On top of this HG pays more dividend than 88.59% of the companies listed in the same industry.
  • HG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 6.33%

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-4.07%
EPS Next 3Y-1.61%
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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Find the best dividend stocksShow peers with best dividend

HAMILTON INSURANCE GROU-CL B

NYSE:HG (3/2/2026, 8:25:34 PM)

After market: 31.75 +0.2 (+0.63%)

31.55

-0.04 (-0.13%)

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 Change0.02%
Market Cap3.10B
Revenue(TTM)2.78B
Net Income(TTM)576.67M
Analysts78.67
Price Target32.28 (2.31%)
Short Float %1.68%
Short Ratio1.75
Dividend
Industry RankSector Rank
Dividend Yield 6.33%
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)6.75%
PT rev (3m)11.59%
EPS NQ rev (1m)1.61%
EPS NQ rev (3m)1.81%
EPS NY rev (1m)0%
EPS NY rev (3m)3.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 5.66
Fwd PE 7.13
P/S 1.12
P/FCF 3.68
P/OCF 3.68
P/B 1.1
P/tB 1.13
EV/EBITDA 3.14
EPS(TTM)5.57
EY17.65%
EPS(NY)4.43
Fwd EY14.03%
FCF(TTM)8.56
FCFY27.14%
OCF(TTM)8.56
OCFY27.14%
SpS28.22
BVpS28.69
TBVpS27.81
PEG (NY)N/A
PEG (5Y)N/A
Graham Number59.96
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 0.99
F-Score7
WACC8.74%
ROIC/WACC0.68
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-20.51%
EPS Next 2Y-4.07%
EPS Next 3Y-1.61%
EPS Next 5Y2.87%
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 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 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 -20.51% in the next year.