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

USA • New York Stock Exchange • NYSE:HG • BMG427061046

29.48 USD
-0.22 (-0.74%)
At close: Feb 9, 2026
29.48 USD
0 (0%)
After Hours: 2/9/2026, 8:05:47 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

HG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. HG has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on HG. This makes HG very considerable for value investing!


Dividend Valuation Growth Profitability Health

6

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.
  • The reported net income has been mixed in the past 5 years: HG reported negative net income in multiple years.
  • HG had a positive operating cash flow in 4 of the past 5 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 0 200M -200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 4.76%, HG belongs to the top of the industry, outperforming 81.21% of the companies in the same industry.
  • The Return On Equity of HG (16.47%) is better than 73.83% of its industry peers.
  • HG has a better Return On Invested Capital (5.42%) than 80.54% 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 14.88%.
  • The 3 year average ROIC (3.57%) 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)2.44%
ROA(5y)N/A
ROE(3y)7.98%
ROE(5y)N/A
ROIC(3y)3.57%
ROIC(5y)N/A
HG Yearly ROA, ROE, ROICHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.62%, HG belongs to the top of the industry, outperforming 84.56% of the companies in the same industry.
  • HG has a better Operating Margin (23.18%) than 81.21% of its industry peers.
  • HG's Operating Margin has improved in the last couple of years.
Industry RankSector 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
HG Yearly Profit, Operating, Gross MarginsHG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

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 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 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 2B 4B 6B

2.2 Solvency

  • HG has an Altman-Z score of 0.97. 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 (0.97) is better than 80.54% of its industry peers.
  • 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 91.95% of the companies in the same industry.
  • A Debt/Equity ratio of 0.06 indicates that HG is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.06, HG is in the better half of the industry, outperforming 79.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.18
Altman-Z 0.97
ROIC/WACC0.6
WACC9.01%
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 0 500M 1B 1.5B 2B

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 66.44% of its industry peers.
  • A Quick Ratio of 0.15 indicates that HG may have some problems paying its short term obligations.
  • HG's Quick ratio of 0.15 is fine compared to the rest of the industry. HG outperforms 66.44% of its industry peers.
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 100M 200M 300M 400M

More info and screens

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

6

3. Growth

3.1 Past

  • The earnings per share for HG have decreased by -6.04% in the last year.
  • The Revenue has grown by 20.24% in the past year. This is a very strong growth!
  • Measured over the past years, HG shows a very strong growth in Revenue. The Revenue has been growing by 176.06% on average per year.
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

  • HG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.88% yearly.
  • HG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.41% yearly.
EPS Next Y25.59%
EPS Next 2Y10.29%
EPS Next 3Y12.09%
EPS Next 5Y9.88%
Revenue Next Year21.82%
Revenue Next 2Y10.79%
Revenue Next 3Y11.41%
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.
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

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.02 indicates a rather cheap valuation of HG.
  • 79.19% of the companies in the same industry are more expensive than HG, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 28.06, HG is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.66, the valuation of HG can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, HG is valued a bit cheaper than 76.51% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.86, HG is valued rather cheaply.
Industry RankSector Rank
PE 7.02
Fwd PE 6.66
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 cheaper than 85.91% of the companies in the same industry.
  • 79.19% 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 3.48
EV/EBITDA 3.37
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of HG may justify a higher PE ratio.
  • A more expensive valuation may be justified as HG's earnings are expected to grow with 12.09% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y10.29%
EPS Next 3Y12.09%

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for HG!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

HAMILTON INSURANCE GROU-CL B

NYSE:HG (2/9/2026, 8:05:47 PM)

After market: 29.48 0 (0%)

29.48

-0.22 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-19
Inst Owners86.56%
Inst Owner ChangeN/A
Ins Owners4.54%
Ins Owner Change-5.16%
Market Cap2.90B
Revenue(TTM)2.64B
Net Income(TTM)438.41M
Analysts78.67
Price Target30.67 (4.04%)
Short Float %2.02%
Short Ratio2.62
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)4.47%
PT rev (3m)10.79%
EPS NQ rev (1m)-0.32%
EPS NQ rev (3m)16.56%
EPS NY rev (1m)0%
EPS NY rev (3m)38.27%
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 7.02
Fwd PE 6.66
P/S 1.1
P/FCF 3.48
P/OCF 3.48
P/B 1.09
P/tB 1.13
EV/EBITDA 3.37
EPS(TTM)4.2
EY14.25%
EPS(NY)4.43
Fwd EY15.02%
FCF(TTM)8.47
FCFY28.73%
OCF(TTM)8.47
OCFY28.73%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)0.27
PEG (5Y)N/A
Graham Number50.57
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)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 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 0.97
F-Score7
WACC9.01%
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 Y25.59%
EPS Next 2Y10.29%
EPS Next 3Y12.09%
EPS Next 5Y9.88%
Revenue 1Y (TTM)20.24%
Revenue growth 3Y176.06%
Revenue growth 5YN/A
Sales Q2Q%4.7%
Revenue Next Year21.82%
Revenue Next 2Y10.79%
Revenue Next 3Y11.41%
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 for HG stock?

ChartMill assigns a valuation rating of 8 / 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.


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 grow by 25.59% in the next year.