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

NYSE:HG • BMG427061046

30.42 USD
+1.11 (+3.79%)
At close: Feb 20, 2026
30.3889 USD
-0.03 (-0.1%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, HG scores 5 out of 10 in our fundamental rating. HG was compared to 149 industry peers in the Insurance industry. HG has only an average score on both its financial health and profitability. HG is valued quite cheap, but it does not seem to be growing. This makes HG very considerable for value investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year HG was profitable.
  • 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.
  • In multiple years HG reported negative operating cash flow during the last 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

  • The Return On Assets of HG (4.76%) is better than 81.21% of its industry peers.
  • With a decent Return On Equity value of 16.47%, HG is doing good in the industry, outperforming 73.83% of the companies in the same industry.
  • HG's Return On Invested Capital of 5.42% is amongst the best of the industry. HG outperforms 81.21% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for HG is significantly below the industry average of 15.11%.
  • 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

  • The Profit Margin of HG (16.62%) is better than 84.56% of its industry peers.
  • HG's Operating Margin of 23.18% is fine compared to the rest of the industry. HG outperforms 79.19% 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
  • HG has a Altman-Z score of 0.97. This is amongst the best in the industry. HG outperforms 81.21% 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.
  • HG's Debt to FCF ratio of 0.18 is amongst the best of the industry. HG outperforms 91.95% 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.
  • HG has a Debt to Equity ratio of 0.06. This is in the better half of the industry: HG outperforms 79.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.18
Altman-Z 0.97
ROIC/WACC0.61
WACC8.87%
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 has a Current ratio of 0.15. This is in the better half 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 has a better Quick ratio (0.15) than 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

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

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 51.92% over the past year.
EPS 1Y (TTM)51.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%415.62%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.52%

3.2 Future

  • HG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.02% yearly.
  • 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-19.93%
EPS Next 2Y-3.72%
EPS Next 3Y-1.38%
EPS Next 5Y3.02%
Revenue Next Year0.75%
Revenue Next 2Y6.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.50 indicates a rather cheap valuation of HG.
  • HG's Price/Earnings ratio is rather cheap when compared to the industry. HG is cheaper than 83.22% of the companies in the same industry.
  • HG is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 6.87, the valuation of HG can be described as very cheap.
  • 75.17% of the companies in the same industry are more expensive than HG, based on the Price/Forward Earnings ratio.
  • HG is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.5
Fwd PE 6.87
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 87.25% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, HG is valued a bit cheaper than the industry average as 78.52% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.59
EV/EBITDA 3.31
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 decent profitability rating of HG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.72%
EPS Next 3Y-1.38%

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 (2/20/2026, 8:04:00 PM)

After market: 30.3889 -0.03 (-0.1%)

30.42

+1.11 (+3.79%)

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 Cap2.99B
Revenue(TTM)N/A
Net Income(TTM)438.41M
Analysts78.67
Price Target30.67 (0.82%)
Short Float %1.94%
Short Ratio2.27
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%
EPS NQ rev (3m)16.56%
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 5.5
Fwd PE 6.87
P/S 1.13
P/FCF 3.59
P/OCF 3.59
P/B 1.12
P/tB 1.16
EV/EBITDA 3.31
EPS(TTM)5.53
EY18.18%
EPS(NY)4.43
Fwd EY14.55%
FCF(TTM)8.47
FCFY27.84%
OCF(TTM)8.47
OCFY27.84%
SpS26.82
BVpS27.06
TBVpS26.16
PEG (NY)N/A
PEG (5Y)N/A
Graham Number58.03
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
WACC8.87%
ROIC/WACC0.61
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)51.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%415.62%
EPS Next Y-19.93%
EPS Next 2Y-3.72%
EPS Next 3Y-1.38%
EPS Next 5Y3.02%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 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 5 / 10 to HG.


What is the valuation status for HG stock?

ChartMill assigns a valuation rating of 7 / 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 decline by -19.93% in the next year.