HAMILTON INSURANCE GROU-CL B (HG)
BMG427061046 - Common Stock
HG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. Both the profitability and the financial health of HG get a neutral evaluation. Nothing too spectacular is happening here. HG is growing strongly while it also seems undervalued. This is an interesting combination With these ratings, HG could be worth investigating further for value and growth 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.
1.2 Ratios
HG has a Return On Assets of 6.30%. This is amongst the best in the industry. HG outperforms 85.71% of its industry peers.
The Return On Equity of HG (21.32%) is better than 83.57% of its industry peers.
HG has a Return On Invested Capital of 5.84%. This is amongst the best in the industry. HG outperforms 82.86% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HG is below the industry average of 4.38%.
The 3 year average ROIC (1.47%) for HG is below the current ROIC(5.84%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.3% | ||
| ROE | 21.32% | ||
| ROIC | 5.84% |
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 22.48%. This is amongst the best in the industry. HG outperforms 87.14% of its industry peers.
Looking at the Operating Margin, with a value of 25.20%, HG belongs to the top of the industry, outperforming 84.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.2% | ||
| PM (TTM) | 22.48% | ||
| 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
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 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 0.81. This is a bad value and indicates that HG is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.81, HG is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
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.
With an excellent Debt to FCF ratio value of 0.29, HG belongs to the best of the industry, outperforming 92.14% of the companies in the same industry.
A Debt/Equity ratio of 0.06 indicates that HG is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.06, HG belongs to the best of the industry, outperforming 84.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.29 | ||
| Altman-Z | 0.81 |
ROIC/WACC0.62
WACC9.45%
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.
With a decent Current ratio value of 0.11, HG is doing good in the industry, outperforming 65.71% of the companies in the same industry.
HG has a Quick 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.
With a decent Quick ratio value of 0.11, HG is doing good in the industry, outperforming 65.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 373.73% over the past year.
HG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.87%.
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%80.49%
Revenue 1Y (TTM)13.87%
Revenue growth 3Y33.34%
Revenue growth 5YN/A
Sales Q2Q%63.56%
3.2 Future
HG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.10% yearly.
The Revenue is expected to grow by 24.02% on average over the next years. This is a very strong growth
EPS Next Y92.01%
EPS Next 2Y36.94%
EPS Next 3Y29.48%
EPS Next 5Y22.1%
Revenue Next Year53.56%
Revenue Next 2Y28.3%
Revenue Next 3Y24.02%
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
With a Price/Earnings ratio of 4.29, 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 rather cheap valuation: HG is cheaper than 83.57% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.73. HG is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.04, the valuation of HG can be described as very cheap.
Based on the Price/Forward Earnings ratio, HG is valued cheaply inside the industry as 80.71% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.83, HG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.29 | ||
| Fwd PE | 5.04 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HG is valued cheaper than 97.86% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HG indicates a rather cheap valuation: HG is cheaper than 84.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.41 | ||
| EV/EBITDA | 0.74 |
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 29.48% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y36.94%
EPS Next 3Y29.48%
5. Dividend
5.1 Amount
HG does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
HAMILTON INSURANCE GROU-CL B
NYSE:HG (12/20/2024, 8:16:34 PM)
After market: 19.17 0 (0%)19.17
+0.21 (+1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners62.64%
Inst Owner ChangeN/A
Ins Owners3.92%
Ins Owner Change4.23%
Market Cap1.23B
Analysts82.67
Price Target23.46 (22.38%)
Short Float %2.15%
Short Ratio3.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)28.14%
Min EPS beat(2)1.36%
Max EPS beat(2)54.93%
EPS beat(4)4
Avg EPS beat(4)38.42%
Min EPS beat(4)1.36%
Max EPS beat(4)71.51%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)24.75%
Min Revenue beat(2)16.18%
Max Revenue beat(2)33.32%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)1.26%
PT rev (3m)5.34%
EPS NQ rev (1m)1.58%
EPS NQ rev (3m)-34.6%
EPS NY rev (1m)-2.94%
EPS NY rev (3m)-3.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.06%
Revenue NY rev (3m)0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.29 | ||
| Fwd PE | 5.04 | ||
| P/S | 0.56 | ||
| P/FCF | 2.41 | ||
| P/OCF | 2.41 | ||
| P/B | 0.53 | ||
| P/tB | 0.55 | ||
| EV/EBITDA | 0.74 |
EPS(TTM)4.47
EY23.32%
EPS(NY)3.8
Fwd EY19.83%
FCF(TTM)7.95
FCFY41.5%
OCF(TTM)7.95
OCFY41.5%
SpS34.18
BVpS36.04
TBVpS34.57
PEG (NY)0.05
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.3% | ||
| ROE | 21.32% | ||
| ROCE | 7.39% | ||
| ROIC | 5.84% | ||
| ROICexc | 6.69% | ||
| ROICexgc | 9.41% | ||
| OM | 25.2% | ||
| PM (TTM) | 22.48% | ||
| GM | N/A | ||
| FCFM | 23.27% |
ROA(3y)0.52%
ROA(5y)N/A
ROE(3y)1.58%
ROE(5y)N/A
ROIC(3y)1.47%
ROIC(5y)N/A
ROICexc(3y)1.76%
ROICexc(5y)N/A
ROICexgc(3y)2.7%
ROICexgc(5y)N/A
ROCE(3y)1.87%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score9
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.29 | ||
| Debt/EBITDA | 0.26 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 89.69% | ||
| Profit Quality | 103.51% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 0.81 |
F-Score9
WACC9.45%
ROIC/WACC0.62
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)373.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80.49%
EPS Next Y92.01%
EPS Next 2Y36.94%
EPS Next 3Y29.48%
EPS Next 5Y22.1%
Revenue 1Y (TTM)13.87%
Revenue growth 3Y33.34%
Revenue growth 5YN/A
Sales Q2Q%63.56%
Revenue Next Year53.56%
Revenue Next 2Y28.3%
Revenue Next 3Y24.02%
Revenue Next 5YN/A
EBIT growth 1Y-4.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y48.33%
FCF growth 3Y371.58%
FCF growth 5YN/A
OCF growth 1Y48.33%
OCF growth 3Y371.58%
OCF growth 5YN/A