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

NYSE:HG • BMG427061046

30.5 USD
-0.91 (-2.9%)
Last: Feb 18, 2026, 02:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall HG gets a fundamental rating of 6 out of 10. We evaluated HG against 149 industry peers in the Insurance industry. HG has only an average score on both its financial health and profitability. 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.


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.
  • 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 0 200M -200M 400M 600M

1.2 Ratios

  • HG has a Return On Assets of 4.76%. This is amongst the best in the industry. HG outperforms 81.21% of its industry peers.
  • The Return On Equity of HG (16.47%) is better than 73.83% of its industry peers.
  • With an excellent Return On Invested Capital value of 5.42%, HG belongs to the best of the industry, outperforming 81.21% 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 15.11%.
  • The 3 year average ROIC (3.57%) 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)2.44%
ROA(5y)N/A
ROE(3y)7.98%
ROE(5y)N/A
ROIC(3y)3.57%
ROIC(5y)N/A
HG Yearly ROA, ROE, ROICHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.62%, HG belongs to the top of the industry, outperforming 84.56% of the companies in the same industry.
  • HG's Operating Margin of 23.18% is fine compared to the rest of the industry. HG outperforms 79.19% of its industry peers.
  • 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 3Y36.39%
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 0 10 -10 20 -20 -30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HG is destroying value.
  • Compared to 1 year ago, HG has less shares outstanding
  • HG has a better debt/assets ratio than last year.
HG Yearly Shares OutstandingHG Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 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 2B 4B 6B

2.2 Solvency

  • HG has an Altman-Z score of 0.99. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
  • HG has a better Altman-Z score (0.99) than 81.21% 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.
  • With an excellent Debt to FCF ratio value of 0.18, HG belongs to the best of the industry, outperforming 91.95% of the companies in the same industry.
  • 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 79.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.18
Altman-Z 0.99
ROIC/WACC0.61
WACC8.83%
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 0 500M 1B 1.5B 2B

2.3 Liquidity

  • A Current Ratio of 0.15 indicates that HG may have some problems paying its short term obligations.
  • HG has a Current ratio of 0.15. This is in the better half of the industry: HG outperforms 66.44% of its industry peers.
  • A Quick Ratio of 0.15 indicates that HG may have some problems paying 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 66.44% 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 100M 200M 300M 400M

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

6

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%.
  • HG shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.24%.
  • 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

  • Based on estimates for the next years, HG will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.88% on average per year.
  • 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 2Y10.29%
EPS Next 3Y12.09%
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.
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

8

4. Valuation

4.1 Price/Earnings Ratio

  • HG is valuated cheaply with a Price/Earnings ratio of 7.26.
  • Based on the Price/Earnings ratio, HG is valued a bit cheaper than 77.18% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, HG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.89, which indicates a rather cheap valuation of HG.
  • 74.50% of the companies in the same industry are more expensive than HG, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.10, HG is valued rather cheaply.
Industry RankSector Rank
PE 7.26
Fwd PE 6.89
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 84.56% 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 76.51% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.6
EV/EBITDA 3.64
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's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • HG has a very decent profitability rating, which may justify a higher PE ratio.
  • HG's earnings are expected to grow with 12.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y10.29%
EPS Next 3Y12.09%

More info and screens

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 (2/18/2026, 2:04:05 PM)

30.5

-0.91 (-2.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-19
Inst Owners86.56%
Inst Owner ChangeN/A
Ins Owners4.54%
Ins Owner Change-3.44%
Market Cap3.00B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target30.67 (0.56%)
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)4.47%
PT rev (3m)10.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.56%
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 7.26
Fwd PE 6.89
P/S 1.14
P/FCF 3.6
P/OCF 3.6
P/B 1.13
P/tB 1.17
EV/EBITDA 3.64
EPS(TTM)4.2
EY13.77%
EPS(NY)4.43
Fwd EY14.52%
FCF(TTM)8.47
FCFY27.77%
OCF(TTM)8.47
OCFY27.77%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)0.28
PEG (5Y)N/A
Graham Number50.57
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)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 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 0.99
F-Score7
WACC8.83%
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 Y25.59%
EPS Next 2Y10.29%
EPS Next 3Y12.09%
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 8 / 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.