HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
USA - NYSE:HG - BMG427061046 - Common Stock
25.78 USD
+0.04 (+0.16%)
Taking everything into account, HG scores 5 out of 10 in our fundamental rating. HG was compared to 147 industry peers in the Insurance industry. HG has an average financial health and profitability rating. 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.
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 amongst the best in the industry. HG outperforms 82.99% of its industry peers.
With a decent Return On Equity value of 16.47%, HG is doing good in the industry, outperforming 74.83% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.42%, HG belongs to the top of the industry, outperforming 83.67% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for HG is in line with the industry average of 4.39%.
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 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
The Profit Margin of HG (16.62%) is better than 83.67% of its industry peers.
The Operating Margin of HG (23.18%) is better than 85.71% of its industry peers.
In the last couple of years the Operating Margin of HG has grown nicely.
| 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HG is destroying value.
HG has less shares outstanding than it did 1 year ago.
The debt/assets ratio for HG has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.94, we must say that HG is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 0.94, HG is doing good in the industry, outperforming 77.55% 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.
Looking at the Debt to FCF ratio, with a value of 0.18, HG belongs to the top of the industry, outperforming 91.16% 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.
HG's Debt to Equity ratio of 0.06 is fine compared to the rest of the industry. HG outperforms 79.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 0.94 |
ROIC/WACC0.61
WACC8.93%
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 65.31% 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.
With a decent Quick ratio value of 0.15, HG is doing good in the industry, outperforming 65.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
The earnings per share for HG have decreased by -6.04% in the last year.
Looking at the last year, HG shows a very strong growth in Revenue. 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
The Earnings Per Share is expected to grow by 9.37% on average over the next years. This is quite good.
The Revenue is expected to grow by 11.23% on average over the next years. This is quite good.
EPS Next Y1.59%
EPS Next 2Y8.59%
EPS Next 3Y11.6%
EPS Next 5Y9.37%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.14, the valuation of HG can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of HG indicates a somewhat cheap valuation: HG is cheaper than 78.91% of the companies listed in the same industry.
HG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.47.
With a Price/Forward Earnings ratio of 6.01, the valuation of HG can be described as very cheap.
Based on the Price/Forward Earnings ratio, HG is valued a bit cheaper than 79.59% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.42. HG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 6.01 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HG is valued cheaper than 89.80% of the companies in the same industry.
82.31% of the companies in the same industry are more expensive than HG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.08 | ||
| EV/EBITDA | 2.79 |
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.
The decent profitability rating of HG may justify a higher PE ratio.
PEG (NY)3.87
PEG (5Y)N/A
EPS Next 2Y8.59%
EPS Next 3Y11.6%
5. Dividend
5.1 Amount
HG does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:HG (11/20/2025, 2:10:31 PM)
25.78
+0.04 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners84.15%
Inst Owner ChangeN/A
Ins Owners4.72%
Ins Owner Change-4.43%
Market Cap2.56B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target27.69 (7.41%)
Short Float %2.59%
Short Ratio3.89
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)5.07%
PT rev (3m)12.32%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)-12.97%
EPS NY rev (1m)-9.5%
EPS NY rev (3m)12.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 6.01 | ||
| P/S | 0.97 | ||
| P/FCF | 3.08 | ||
| P/OCF | 3.08 | ||
| P/B | 0.96 | ||
| P/tB | 1 | ||
| EV/EBITDA | 2.79 |
EPS(TTM)4.2
EY16.29%
EPS(NY)4.29
Fwd EY16.65%
FCF(TTM)8.38
FCFY32.5%
OCF(TTM)8.38
OCFY32.5%
SpS26.54
BVpS26.77
TBVpS25.88
PEG (NY)3.87
PEG (5Y)N/A
Graham Number50.3
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 | 0.94 |
F-Score7
WACC8.93%
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 5Y9.37%
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.