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

USA • New York Stock Exchange • NYSE:HG • BMG427061046

29.61 USD
+0.13 (+0.44%)
Last: Feb 10, 2026, 11:34 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

HG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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.
  • 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

  • With an excellent Return On Assets value of 4.76%, HG belongs to the best of the industry, outperforming 81.21% of the companies in the same industry.
  • With a decent Return On Equity value of 16.47%, HG is doing good in the industry, outperforming 73.83% of the companies in the same industry.
  • HG has a Return On Invested Capital of 5.42%. This is amongst the best in the industry. HG outperforms 80.54% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for HG is significantly below the industry average of 14.88%.
  • The last Return On Invested Capital (5.42%) for HG is above the 3 year average (3.57%), which is a sign of increasing profitability.
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 has a better Operating Margin (23.18%) than 81.21% of its industry peers.
  • In the last couple of years the Operating Margin of HG has grown nicely.
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

  • 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.
  • 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 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 0.97. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 0.97, HG belongs to the best of the industry, outperforming 80.54% 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.
  • HG's Debt to FCF ratio of 0.18 is amongst the best of the industry. HG outperforms 91.95% of its industry peers.
  • HG has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.06, HG is doing good in the industry, outperforming 79.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.18
Altman-Z 0.97
ROIC/WACC0.6
WACC9.01%
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's Current ratio of 0.15 is fine compared to the rest of the industry. HG outperforms 66.44% 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 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

  • The earnings per share for HG have decreased by -6.04% in the last year.
  • HG shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.24%.
  • HG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 176.06% yearly.
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.
  • HG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.41% yearly.
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

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

  • The Price/Earnings ratio is 7.05, which indicates a rather cheap valuation of HG.
  • 79.19% 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 28.06, HG is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.69 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 75.84% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.86, HG is valued rather cheaply.
Industry RankSector Rank
PE 7.05
Fwd PE 6.69
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HG indicates a rather cheap valuation: HG is cheaper than 87.92% of the companies listed in the same industry.
  • 78.52% 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 3.5
EV/EBITDA 3.34
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of HG 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

  • HG does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

HAMILTON INSURANCE GROU-CL B

NYSE:HG (2/10/2026, 11:34:36 AM)

29.61

+0.13 (+0.44%)

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-5.16%
Market Cap2.91B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target30.67 (3.58%)
Short Float %2.02%
Short Ratio2.62
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)-0.32%
EPS NQ rev (3m)16.56%
EPS NY rev (1m)0%
EPS NY rev (3m)38.27%
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 7.05
Fwd PE 6.69
P/S 1.1
P/FCF 3.5
P/OCF 3.5
P/B 1.09
P/tB 1.13
EV/EBITDA 3.34
EPS(TTM)4.2
EY14.18%
EPS(NY)4.43
Fwd EY14.95%
FCF(TTM)8.47
FCFY28.6%
OCF(TTM)8.47
OCFY28.6%
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 0.97
F-Score7
WACC9.01%
ROIC/WACC0.6
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.