📊 HG Key Takeaways
Is Hamilton Insurance Group, Ltd. (HG) a Good Investment?
Hamilton Insurance Group demonstrates exceptional fundamental strength with 24.7% revenue growth and 37% net income growth, supported by industry-leading 28.6% net margins. The company maintains a fortress balance sheet with minimal leverage (0.06x D/E) and substantial cash reserves, positioning it well for underwriting cycles and competitive pressures.
Hamilton is delivering strong premium growth with exceptional profitability, evidenced by high operating and net margins, robust ROE, and substantial free cash generation. A conservative balance sheet with minimal leverage and strong interest coverage supports resilience and continued compounding, though results likely benefit from a favorable pricing and rate environment that may normalize.
Why Buy Hamilton Insurance Group, Ltd. Stock? HG Key Strengths
- Exceptional growth trajectory: 37% YoY net income growth with 24.7% revenue growth and 51.2% EPS growth
- Outstanding profitability: 28.9% operating margin and 28.6% net margin indicates superior operational efficiency and underwriting discipline
- Fortress balance sheet: Conservative 0.06x debt-to-equity ratio with $842.5M cash position and 45.9x interest coverage provides significant financial flexibility
- High ROE and net margin signaling strong underwriting/investment performance
- Double-digit revenue growth with operating leverage and expanding EPS
- Low leverage, ample liquidity, and excellent interest coverage
HG Stock Risks: Hamilton Insurance Group, Ltd. Investment Risks
- Modest capital efficiency: 8.0% ROE and 2.2% ROA suggest potential overcapitalization despite strong profitability; capital deployment optimization needed
- Cash conversion concerns: Operating cash flow of $100.8M represents only 46% of $217M net income, indicating possible working capital dynamics or underwriting timing issues
- Cyclical industry exposure: Insurance underwriting cycles and catastrophic event risk not fully captured; sustainability of current margins dependent on claims experience
- Catastrophe loss volatility could materially impact earnings
- Adverse reserve development risk from prior accident years
- Margin normalization if pricing softens or investment yields decline
Key Metrics to Watch
- Combined ratio trend (lower is better for insurance profitability)
- Operating cash flow conversion relative to net income
- Premium growth composition and pricing power sustainability
- Combined ratio
- Net investment income yield
Hamilton Insurance Group, Ltd. (HG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
HG Profit Margin, ROE & Profitability Analysis
HG vs Finance Sector: How Hamilton Insurance Group, Ltd. Compares
How Hamilton Insurance Group, Ltd. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Hamilton Insurance Group, Ltd. Stock Overvalued? HG Valuation Analysis 2026
Based on fundamental analysis, Hamilton Insurance Group, Ltd. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Hamilton Insurance Group, Ltd. Balance Sheet: HG Debt, Cash & Liquidity
HG Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Hamilton Insurance Group, Ltd.'s revenue has grown significantly by 85% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.44 reflects profitable operations.
HG Revenue Growth, EPS Growth & YoY Performance
HG Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $758.9M | $181.3M | $0.77 |
| Q3 2025 | $512.8M | $61.0M | $0.74 |
| Q2 2025 | $587.9M | $200.4M | $1.20 |
| Q1 2025 | $658.6M | $181.3M | $0.77 |
| Q3 2024 | $396.3M | $52.6M | $0.41 |
| Q2 2024 | $357.2M | $41.3M | $0.35 |
| Q1 2024 | $322.4M | $53.0M | $0.49 |
| Q3 2023 | $226.9M | $29.1M | $-0.38 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Hamilton Insurance Group, Ltd. Dividends, Buybacks & Capital Allocation
HG SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Hamilton Insurance Group, Ltd. (CIK: 0001593275)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 20, 2026 | 4 | xslF345X06/wk-form4_1779311281.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779231033.xml | View → |
| May 15, 2026 | 4 | xslF345X06/wk-form4_1778893894.xml | View → |
| May 12, 2026 | 4 | xslF345X06/wk-form4_1778623584.xml | View → |
| May 7, 2026 | 4 | xslF345X06/wk-form4_1778194090.xml | View → |
❓ Frequently Asked Questions about HG
What is the AI rating for HG?
Hamilton Insurance Group, Ltd. (HG) has a Combined AI Rating of BUY from Claude (STRONG BUY) and ChatGPT (BUY) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are HG's key strengths?
Claude: Exceptional growth trajectory: 37% YoY net income growth with 24.7% revenue growth and 51.2% EPS growth. Outstanding profitability: 28.9% operating margin and 28.6% net margin indicates superior operational efficiency and underwriting discipline. ChatGPT: High ROE and net margin signaling strong underwriting/investment performance. Double-digit revenue growth with operating leverage and expanding EPS.
What are the risks of investing in HG?
Claude: Modest capital efficiency: 8.0% ROE and 2.2% ROA suggest potential overcapitalization despite strong profitability; capital deployment optimization needed. Cash conversion concerns: Operating cash flow of $100.8M represents only 46% of $217M net income, indicating possible working capital dynamics or underwriting timing issues. ChatGPT: Catastrophe loss volatility could materially impact earnings. Adverse reserve development risk from prior accident years.
What is HG's revenue and growth?
Hamilton Insurance Group, Ltd. reported revenue of $758.9M.
Does HG pay dividends?
Hamilton Insurance Group, Ltd. pays dividends, with $199.4M distributed to shareholders in the trailing twelve months.
Where can I find HG SEC filings?
Official SEC filings for Hamilton Insurance Group, Ltd. (CIK: 0001593275) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is HG's EPS?
Hamilton Insurance Group, Ltd. has a diluted EPS of $1.31.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is HG a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Hamilton Insurance Group, Ltd. has a BUY rating with 80% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is HG stock overvalued or undervalued?
Valuation metrics for HG: ROE of 8.0% (sector avg: 12%), net margin of 28.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy HG stock in 2026?
Our dual AI analysis gives Hamilton Insurance Group, Ltd. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is HG's free cash flow?
Hamilton Insurance Group, Ltd.'s operating cash flow is $100.8M, with capital expenditures of N/A. FCF margin is 13.3%.
How does HG compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.6% (avg: 25%), ROE 8.0% (avg: 12%), current ratio N/A (avg: 1.2).