HG

Hamilton Insurance Group, Ltd.

Fundamental data last updated:September 25, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Reinsurance

Exchange

NYSE

County of HQ

BM

Next Earnings Date

Pending Announcement

Business Summary

Hamilton Insurance Group, Ltd., through its subsidiaries, engages in underwriting specialty insurance and reinsurance risks in Bermuda and internationally. The company offers casualty reinsurance products, such as commercial motor, general liability, healthcare, multiline, personal motor, professional liability, umbrella and excess casualty, and worker's compensation and employer's liability reinsurance; property treaty reinsurance; and specialty reinsurance solutions, including accident and health, aviation, crisis management, financial lines, marine and energy, multiline specialty, and satellite reinsurance. It also provides accident and health, cyber, excess energy, environmental, financial lines, fine art and specie, kidnap and ransom, M&A, marine and energy liability, political risk, professional liability, property binders, property D&F, space, upstream energy, general and excess casualty, war and terrorism, allied medical, management liability, medical professionals, products liability and contractors, and small business casualty insurance plans. The company was incorporated in 2013 and is based in Pembroke, Bermuda with additional locations in Dublin, Ireland; London, United Kingdom; Miami, Florida; New York, New York; and Glen Allen, Virginia.

 


VALUATION

P/E

4.84

Market Cap ($M USD)

$2.99B

Forward P/E

5.60

PEG

-0.41

PRICE TO SALES

1.03

PRICE TO BOOK

1.12

EV / EBITDA

2.46

5-Year Average P/E

Free Cash Flow Yield

30.35%

DCF Value

$54.14

Graham Number

$61.19

Price to FCF

3.30

EV to FCF

2.41

Earnings Yield

20.67%

FCF Yield

30.35%

DIVIDEND

Yield

6.67%

Annual Payout

$2.00

Payout Ratio

31.68%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$6.20

Next Year EPS Growth Estimate

$5.35

Next Year Revenue Growth Estimate

$3.55B

Return on Equity (ROE)

23.38%

FREE CASH FLOW

Operating Margin

29.66%

Debt-to-Equity

0.05

Piotroski F-Score

7

Altman Z-Score

1.19

Return on Invested Capital (ROIC)

8.72%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

-0.90

Interest Coverage

44.40

Gross Profit margin

49.49%

FCF PER SHARE

$8.95

REVENUE PER SHARE

$28.57

Gainseekers Quantitative Analysis

Summary

Hamilton Insurance Group appears to be a compelling deep value opportunity. Recent pricing indicated it traded significantly below its DCF value and Graham Number, suggesting the market may be undervaluing its intrinsic worth. With a Forward P/E of 5.75 and an Earnings Yield of 20.10%, the stock offers a robust earnings profile. However, the Altman Z-score of 1.19 raises concerns about financial distress risk, hinting at potential vulnerabilities despite its attractive valuation.

AI Exposure / Tech Reliance

Operating in the insurance-reinsurance sector, Hamilton Insurance Group is strategically positioned to leverage AI for risk assessment and underwriting efficiency. The industry's data-driven nature aligns well with AI advancements, potentially enhancing predictive accuracy. This adaptability could fortify its competitive edge in a rapidly evolving tech landscape.

The Bull Case

For value and GARP investors, Hamilton Insurance Group presents a strong case. With an ROIC of 8.72% and a Piotroski F-Score of 7, the company demonstrates solid capital efficiency and financial health. Its FCF Yield of 29.50% and Operating Margin of 29.66% highlight impressive cash generation and pricing power, making it an attractive buy for those seeking undervalued growth.

The Bear Case

Despite its strengths, the stock faces structural risks. The Altman Z-score suggests potential financial instability, and with the stock trading near its 52-week high, it may be technically overextended. Additionally, the low Current and Quick Ratios indicate liquidity concerns, which could pose challenges in volatile market conditions.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$31.20

Institutional Ownership %

1-Year Beta

0.70

Insider Buying % (6 Mo)

Distance to 52-Week High

12.38%

Distance to 52-Week Low

31.87%

EARNINGS SURPRISE %

45.13%

50-DAY SMA

$30.89

200-DAY SMA

$27.57

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.