HAMILTON INSURANCE GROU-CL B (HG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HG - BMG427061046 - Common Stock
26.94 USD
+0.4 (+1.51%)
26.94 USD
0 (0%)
Overall HG gets a fundamental rating of 6 out of 10. We evaluated HG against 147 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 would make HG suitable for value 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.
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
With an excellent Return On Assets value of 4.76%, HG belongs to the best of the industry, outperforming 80.27% of the companies in the same industry.
Looking at the Return On Equity, with a value of 16.47%, HG is in the better half of the industry, outperforming 72.79% of the companies in the same industry.
HG has a better Return On Invested Capital (5.42%) than 80.27% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HG is significantly below the industry average of 14.90%.
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
Looking at the Profit Margin, with a value of 16.62%, HG belongs to the top of the industry, outperforming 84.35% of the companies in the same industry.
With an excellent Operating Margin value of 23.18%, HG belongs to the best of the industry, outperforming 82.99% of the companies in the same industry.
HG's Operating Margin has improved in the last couple of years.
| 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.
Looking at the Altman-Z score, with a value of 0.94, HG is in the better half of the industry, outperforming 78.23% 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 has a Debt to FCF ratio of 0.18. This is amongst the best in the industry. HG outperforms 90.48% 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.
Looking at the Debt to Equity ratio, with a value of 0.06, HG is in the better half of the industry, outperforming 78.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 0.94 |
ROIC/WACC0.6
WACC8.97%
2.3 Liquidity
HG has a Current 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.
HG's Current ratio of 0.15 is fine compared to the rest 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.
The Quick ratio of HG (0.15) is better than 65.31% of its industry peers.
| 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
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 11.44% yearly.
EPS Next Y23%
EPS Next 2Y10.53%
EPS Next 3Y12.28%
EPS Next 5Y9.88%
Revenue Next Year21.87%
Revenue Next 2Y10.84%
Revenue Next 3Y11.44%
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
Based on the Price/Earnings ratio of 6.41, 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 79.59% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of HG to the average of the S&P500 Index (26.28), we can say HG is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.06, the valuation of HG can be described as very cheap.
80.27% of the companies in the same industry are more expensive than HG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of HG to the average of the S&P500 Index (23.52), we can say HG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.41 | ||
| Fwd PE | 6.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HG is valued cheaply inside the industry as 87.76% of the companies are valued more expensively.
80.27% 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 | 3.18 | ||
| EV/EBITDA | 2.87 |
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.
HG has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as HG's earnings are expected to grow with 12.28% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y10.53%
EPS Next 3Y12.28%
5. Dividend
5.1 Amount
No dividends for HG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
26.94
+0.4 (+1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners86.34%
Inst Owner ChangeN/A
Ins Owners4.54%
Ins Owner Change-4.68%
Market Cap2.65B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target29.22 (8.46%)
Short Float %2.22%
Short Ratio3.21
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)5.53%
PT rev (3m)10.88%
EPS NQ rev (1m)18.9%
EPS NQ rev (3m)16.91%
EPS NY rev (1m)21.08%
EPS NY rev (3m)16.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.85%
Revenue NY rev (3m)6.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.41 | ||
| Fwd PE | 6.06 | ||
| P/S | 1 | ||
| P/FCF | 3.18 | ||
| P/OCF | 3.18 | ||
| P/B | 1 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | 2.87 |
EPS(TTM)4.2
EY15.59%
EPS(NY)4.45
Fwd EY16.51%
FCF(TTM)8.47
FCFY31.44%
OCF(TTM)8.47
OCFY31.44%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)0.28
PEG (5Y)N/A
Graham Number50.57
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
WACC8.97%
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 Y23%
EPS Next 2Y10.53%
EPS Next 3Y12.28%
EPS Next 5Y9.88%
Revenue 1Y (TTM)20.24%
Revenue growth 3Y176.06%
Revenue growth 5YN/A
Sales Q2Q%4.7%
Revenue Next Year21.87%
Revenue Next 2Y10.84%
Revenue Next 3Y11.44%
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 of HAMILTON INSURANCE GROU-CL B (HG) stock?
ChartMill assigns a valuation rating of 9 / 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 23% in the next year.