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

NYSE:HG • BMG427061046

Current stock price

29.33 USD
+0.25 (+0.86%)
At close:
29.33 USD
0 (0%)
After Hours:

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

  • In the past year HG was profitable.
  • HG had a positive operating cash flow in the past year.
  • 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 86.49% of its industry peers.
  • HG has a Return On Equity of 20.43%. This is amongst the best in the industry. HG outperforms 86.49% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.94%, HG belongs to the top of the industry, outperforming 81.76% of the companies in the same industry.
  • HG had an Average Return On Invested Capital over the past 3 years of 4.78%. This is significantly below the industry average of 15.41%.
  • The 3 year average ROIC (4.78%) for HG is below the current ROIC(5.94%), indicating increased profibility in the last year.
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

  • HG has a better Profit Margin (20.78%) than 86.49% of its industry peers.
  • With an excellent Operating Margin value of 24.54%, HG belongs to the best of the industry, outperforming 81.76% of the companies in the same industry.
  • In the last couple of years the Operating Margin of HG has grown nicely.
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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6

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.
  • Compared to 1 year ago, HG has an improved debt to assets ratio.
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.
  • Looking at the Altman-Z score, with a value of 0.97, HG belongs to the top of the industry, outperforming 81.08% 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 90.54% of its industry peers.
  • HG has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.05, HG belongs to the best of the industry, outperforming 81.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.18
Altman-Z 0.97
ROIC/WACC0.66
WACC9.04%
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.
  • Looking at the Current ratio, with a value of 0.11, HG is in the better half of the industry, outperforming 66.89% of the companies in the same industry.
  • A Quick Ratio of 0.11 indicates that HG may have some problems paying its short term obligations.
  • HG has a better Quick ratio (0.11) than 66.89% 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. HG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 53.02% over the past year.
  • The Revenue has grown by 21.21% in the past year. This is a very strong growth!
  • HG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.35% yearly.
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 small growth in Revenue. The Revenue will grow by 6.98% 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 Year1.16%
Revenue Next 2Y6.76%
Revenue Next 3Y6.98%
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • Based on the Price/Earnings ratio of 5.27, the valuation of HG can be described as very cheap.
  • HG's Price/Earnings ratio is rather cheap when compared to the industry. HG is cheaper than 83.78% of the companies in the same industry.
  • HG is valuated cheaply when we compare the Price/Earnings ratio to 25.96, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 6.69, the valuation of HG can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, HG is valued a bit cheaper than 75.68% of the companies in the same industry.
  • HG is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.27
Fwd PE 6.69
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 86.49% 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 78.38% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.45
EV/EBITDA 2.86
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

  • HG has a Yearly Dividend Yield of 6.88%, which is a nice return.
  • HG's Dividend Yield is rather good when compared to the industry average which is at 2.94. HG pays more dividend than 89.86% of the companies in the same industry.
  • HG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 6.88%

5.2 History

  • HG does not have a reliable dividend history as it only pays dividend since a couple or years.
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 (3/16/2026, 8:04:00 PM)

After market: 29.33 0 (0%)

29.33

+0.25 (+0.86%)

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 Cap2.91B
Revenue(TTM)2.78B
Net Income(TTM)576.67M
Analysts78.67
Price Target32.28 (10.06%)
Short Float %1.69%
Short Ratio1.71
Dividend
Industry RankSector Rank
Dividend Yield 6.88%
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)10.47%
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)0.41%
Revenue NY rev (3m)0.31%
Valuation
Industry RankSector Rank
PE 5.27
Fwd PE 6.69
P/S 1.05
P/FCF 3.45
P/OCF 3.45
P/B 1.03
P/tB 1.06
EV/EBITDA 2.86
EPS(TTM)5.57
EY18.99%
EPS(NY)4.38
Fwd EY14.95%
FCF(TTM)8.5
FCFY28.97%
OCF(TTM)8.5
OCFY28.97%
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
WACC9.04%
ROIC/WACC0.66
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 Year1.16%
Revenue Next 2Y6.76%
Revenue Next 3Y6.98%
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.