HAMILTON INSURANCE GROU-CL B (HG)
BMG427061046 - Common Stock
Overall HG gets a fundamental rating of 6 out of 10. We evaluated HG against 140 industry peers in the Insurance industry. HG has only an average score on both its financial health and profitability. HG has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! These ratings could make HG a good candidate for value and growth investing.
1. Profitability
1.1 Basic Checks
HG had positive earnings in the past year.
In the past year HG had a positive cash flow from operations.
1.2 Ratios
Looking at the Return On Assets, with a value of 6.02%, HG belongs to the top of the industry, outperforming 87.77% of the companies in the same industry.
HG has a Return On Equity of 20.49%. This is amongst the best in the industry. HG outperforms 85.61% of its industry peers.
With an excellent Return On Invested Capital value of 5.25%, HG belongs to the best of the industry, outperforming 84.17% of the companies in the same industry.
HG had an Average Return On Invested Capital over the past 3 years of 1.47%. This is below the industry average of 4.27%.
The last Return On Invested Capital (5.25%) for HG is above the 3 year average (1.47%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.02% | ||
| ROE | 20.49% | ||
| ROIC | 5.25% |
ROA(3y)0.52%
ROA(5y)N/A
ROE(3y)1.58%
ROE(5y)N/A
ROIC(3y)1.47%
ROIC(5y)N/A
1.3 Margins
HG has a Profit Margin of 22.71%. This is amongst the best in the industry. HG outperforms 89.93% of its industry peers.
With an excellent Operating Margin value of 24.06%, HG belongs to the best of the industry, outperforming 82.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 24.06% | ||
| PM (TTM) | 22.71% | ||
| GM | N/A |
OM growth 3YN/A
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
HG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for HG has been increased compared to 1 year ago.
The debt/assets ratio for HG has been reduced compared to a year ago.
2.2 Solvency
HG has an Altman-Z score of 0.76. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of HG (0.76) is better than 79.14% of its industry peers.
HG has a debt to FCF ratio of 0.29. This is a very positive value and a sign of high solvency as it would only need 0.29 years to pay back of all of its debts.
The Debt to FCF ratio of HG (0.29) is better than 92.81% of its industry peers.
HG has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
HG has a better Debt to Equity ratio (0.07) than 84.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.29 | ||
| Altman-Z | 0.76 |
ROIC/WACC0.56
WACC9.31%
2.3 Liquidity
A Current Ratio of 0.04 indicates that HG may have some problems paying its short term obligations.
With a decent Current ratio value of 0.04, HG is doing good in the industry, outperforming 64.75% of the companies in the same industry.
A Quick Ratio of 0.04 indicates that HG may have some problems paying its short term obligations.
HG has a Quick ratio of 0.04. This is in the better half of the industry: HG outperforms 64.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 373.73% over the past year.
Looking at the last year, HG shows a quite strong growth in Revenue. The Revenue has grown by 13.87% in the last year.
The Revenue has been growing by 33.34% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)373.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%262.42%
Revenue 1Y (TTM)13.87%
Revenue growth 3Y33.34%
Revenue growth 5YN/A
Sales Q2Q%59.42%
3.2 Future
Based on estimates for the next years, HG will show a very strong growth in Earnings Per Share. The EPS will grow by 29.88% on average per year.
HG is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.14% yearly.
EPS Next Y97.82%
EPS Next 2Y37.63%
EPS Next 3Y29.88%
EPS Next 5YN/A
Revenue Next Year51.96%
Revenue Next 2Y27.4%
Revenue Next 3Y23.14%
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.
4. Valuation
4.1 Price/Earnings Ratio
HG is valuated cheaply with a Price/Earnings ratio of 4.48.
Compared to the rest of the industry, the Price/Earnings ratio of HG indicates a rather cheap valuation: HG is cheaper than 83.45% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.96, HG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.83, the valuation of HG can be described as very cheap.
81.30% of the companies in the same industry are more expensive than HG, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.82. HG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.48 | ||
| Fwd PE | 4.83 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HG is valued cheaply inside the industry as 97.84% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, HG is valued cheaper than 85.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.28 | ||
| EV/EBITDA | 0.66 |
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.
A more expensive valuation may be justified as HG's earnings are expected to grow with 29.88% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y37.63%
EPS Next 3Y29.88%
5. Dividend
5.1 Amount
No dividends for HG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
HAMILTON INSURANCE GROU-CL B
NYSE:HG (11/21/2024, 8:04:01 PM)
After market: 18.66 +0.11 (+0.59%)18.55
-0.07 (-0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.19B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.48 | ||
| Fwd PE | 4.83 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.05
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.02% | ||
| ROE | 20.49% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 24.06% | ||
| PM (TTM) | 22.71% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)373.73%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y97.82%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)13.87%
Revenue growth 3Y33.34%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y