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

NYSE:HG • BMG427061046

31.59 USD
-0.18 (-0.57%)
At close: Feb 27, 2026
31.59 USD
0 (0%)
After Hours: 2/27/2026, 7:09:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall HG gets a fundamental rating of 5 out of 10. We evaluated HG against 150 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 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

5

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.
  • The reported operating cash flow has been mixed in the past 5 years: HG reported negative operating cash flow in multiple 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 2025 0 200M -200M 400M 600M 800M

1.2 Ratios

  • With a decent Return On Assets value of 4.76%, HG is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • HG has a Return On Equity of 16.47%. This is in the better half of the industry: HG outperforms 73.33% of its industry peers.
  • HG has a better Return On Invested Capital (5.42%) than 81.33% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for HG is significantly below the industry average of 15.13%.
  • The 3 year average ROIC (5.27%) for HG is below the current ROIC(5.42%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.76%
ROE 16.47%
ROIC 5.42%
ROA(3y)5.01%
ROA(5y)2.54%
ROE(3y)16.75%
ROE(5y)8.47%
ROIC(3y)5.27%
ROIC(5y)3.66%
HG Yearly ROA, ROE, ROICHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 0 5 -5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.62%, HG belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
  • The Operating Margin of HG (23.18%) is better than 79.33% 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 3Y34.9%
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 2025 0 20 -20

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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.
  • HG has a better debt/assets ratio than last year.
HG Yearly Shares OutstandingHG Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • HG has an Altman-Z score of 0.99. 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 0.99, HG belongs to the best of the industry, outperforming 81.33% 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.
  • The Debt to FCF ratio of HG (0.18) is better than 92.00% of its industry peers.
  • A Debt/Equity ratio of 0.06 indicates that HG is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.06, HG is doing good in the industry, outperforming 80.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.18
Altman-Z 0.99
ROIC/WACC0.62
WACC8.81%
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 2025 0 500M 1B 1.5B 2B 2.5B

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 66.67% 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 66.67% 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 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • HG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.02%, which is quite impressive.
  • Looking at the last year, HG shows a very strong growth in Revenue. The Revenue has grown by 21.21%.
  • The Revenue has been growing by 34.35% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)53.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%428.12%
Revenue 1Y (TTM)21.21%
Revenue growth 3Y28.11%
Revenue growth 5Y34.35%
Sales Q2Q%21.52%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.87% on average over the next years.
  • Based on estimates for the next years, HG will show a small growth in Revenue. The Revenue will grow by 6.54% on average per year.
EPS Next Y-20.51%
EPS Next 2Y-4.07%
EPS Next 3Y-1.61%
EPS Next 5Y2.87%
Revenue Next Year0.75%
Revenue Next 2Y6.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.67, which indicates a rather cheap valuation of HG.
  • 83.33% of the companies in the same industry are more expensive than HG, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of HG to the average of the S&P500 Index (27.10), we can say HG is valued rather cheaply.
  • HG is valuated cheaply with a Price/Forward Earnings ratio of 7.13.
  • HG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HG is cheaper than 74.67% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, HG is valued rather cheaply.
Industry RankSector Rank
PE 5.67
Fwd PE 7.13
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

  • Based on the Enterprise Value to EBITDA ratio, HG is valued cheaply inside the industry as 84.67% of the companies are valued more expensively.
  • 77.33% 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 3.73
EV/EBITDA 3.69
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.07%
EPS Next 3Y-1.61%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.30%, HG is a good candidate for dividend investing.
  • HG's Dividend Yield is rather good when compared to the industry average which is at 2.63. HG pays more dividend than 85.33% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, HG pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.3%

5.2 History

  • HG is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
HG Yearly Dividends per shareHG Yearly Dividends per shareYearly Dividends per share 2026 0.5 1 1.5

5.3 Sustainability

DPN/A
EPS Next 2Y-4.07%
EPS Next 3Y-1.61%
HG Yearly Income VS Free CF VS DividendHG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M

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HAMILTON INSURANCE GROU-CL B

NYSE:HG (2/27/2026, 7:09:03 PM)

After market: 31.59 0 (0%)

31.59

-0.18 (-0.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-05
Inst Owners86.56%
Inst Owner ChangeN/A
Ins Owners4.54%
Ins Owner Change-3.44%
Market Cap3.11B
Revenue(TTM)2.78B
Net Income(TTM)438.41M
Analysts78.67
Price Target32.28 (2.18%)
Short Float %1.94%
Short Ratio2.27
Dividend
Industry RankSector Rank
Dividend Yield 6.3%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date03-06
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)1.45%
PT rev (3m)10.79%
EPS NQ rev (1m)-1.69%
EPS NQ rev (3m)14.59%
EPS NY rev (1m)0%
EPS NY rev (3m)23.64%
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 5.67
Fwd PE 7.13
P/S 1.18
P/FCF 3.73
P/OCF 3.73
P/B 1.17
P/tB 1.21
EV/EBITDA 3.69
EPS(TTM)5.57
EY17.63%
EPS(NY)4.43
Fwd EY14.02%
FCF(TTM)8.47
FCFY26.81%
OCF(TTM)8.47
OCFY26.81%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)N/A
PEG (5Y)N/A
Graham Number58.24
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)5.01%
ROA(5y)2.54%
ROE(3y)16.75%
ROE(5y)8.47%
ROIC(3y)5.27%
ROIC(5y)3.66%
ROICexc(3y)6.03%
ROICexc(5y)4.23%
ROICexgc(3y)8.37%
ROICexgc(5y)5.99%
ROCE(3y)6.67%
ROCE(5y)4.63%
ROICexgc growth 3Y36.05%
ROICexgc growth 5YN/A
ROICexc growth 3Y43.26%
ROICexc growth 5YN/A
OM growth 3Y34.9%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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 0.99
F-Score6
WACC8.81%
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)53.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%428.12%
EPS Next Y-20.51%
EPS Next 2Y-4.07%
EPS Next 3Y-1.61%
EPS Next 5Y2.87%
Revenue 1Y (TTM)21.21%
Revenue growth 3Y28.11%
Revenue growth 5Y34.35%
Sales Q2Q%21.52%
Revenue Next Year0.75%
Revenue Next 2Y6.54%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y10.61%
EBIT growth 3Y72.82%
EBIT growth 5YN/A
EBIT Next Year-10.38%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y63.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y63.11%
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 for HG stock?

ChartMill assigns a valuation rating of 6 / 10 to HAMILTON INSURANCE GROU-CL B (HG). This can be considered as Fairly Valued.


Can you provide the profitability details for HAMILTON INSURANCE GROU-CL B?

HAMILTON INSURANCE GROU-CL B (HG) has a profitability rating of 5 / 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 decline by -20.51% in the next year.