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Company Analysis

Hamilton Insurance Group, Ltd. HG

A comprehensive view of key metrics, scores, and financial health for Hamilton Insurance Group, Ltd.

Overview of Hamilton Insurance Group, Ltd.

HG NYQ
Financial Services Insurance - Reinsurance Framework: Insurance & Reinsurance Mid Cap
Hamilton Insurance Group, Ltd. (HG), is a Mid Cap company, in the Insurance - Reinsurance industry, last closed at $36.28, about 19.7% overvalued vs fair value, +41.3% 1Y return, ranked 403/1078 in sector.
Metrics P/E 5.0× Rev Growth 24.5% ROE 22.4% Gross Margin 55.8%
USD 36.28
3.48%
(Delayed)
• Vol 90d: 23.5%
52-Week Range
Market Cap
$3.57B
Enterprise Value
$3.08B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 94%
Confidence: 93%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.hamiltongroup.com
HQ Pembroke
Employees 600
Fiscal year Dec 31

Next Events

Earnings Call Oct 30

Fair Value Snapshot

Bear Base Bull
$16
$29
$55
Current: $36.28 -20% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$3.0B
24.4%%
Claims & Losses
-$1.3B
-13.1%%
Acquisition & Admin Expenses
$57.2M
Underwriting Result
$824.9M
32.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
42.5%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$112.6M
19.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Hamilton Insurance Group, Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Superior Returns on Float Float investment returns are strong (signal score 0.82), with ROA at 6.64% vs peers — investment income amplifies underwriting profit.
  • Strong Return on Equity ROE signal is strong (score 0.84), with ROE at 22.4% — indicating efficient capital deployment.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.39), indicating significant exposure to loss cycle or catastrophe volatility.
  • Declining Premium Growth Trend Premium growth trend is weak (signal score 0.18), indicating potential market share erosion or soft pricing environment.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
61
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing HG's balance between Growth (34.1%), Profitability (34.9%), and Safety (31.0%). Growth 34% Safety 31% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

80th percentile vs peers
81
Key Signals
Rev Growth YoY 24.4% 82p Revenue CAGR 3Y 32.2% 87p Equity Growth YoY 21.2% 75p EPS Growth YoY 51.2% 69p Asset Growth YoY 22.8% 92p
Strengths
  • Growth performance in top 20% of peers (percentile: 80)
  • Rev Growth YoY in top 20% of peers (24.4%, 82th percentile)
  • Revenue CAGR 3Y in top 20% of peers (32.2%, 87th percentile)
  • ROE in top 20% of peers (22.4%, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

82th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

73th percentile vs peers
74
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hamilton Insurance Group, Ltd..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$29.15
- - -
-19.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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