📊 HG Key Takeaways
Is HG a Good Investment? Thesis Analysis
Hamilton Insurance demonstrates exceptional fundamental strength with 28.9% net margins, 29.8% ROE, and outstanding capital efficiency evidenced by 0.05x debt/equity and 40.9x interest coverage. Net income growing 37% YoY while revenue grows 24.7% reveals strong operational leverage; combined with $842.4M free cash flow and fortress balance sheet, the company is positioned to create sustained shareholder value across insurance cycles.
Why Buy HG? Key Strengths
- Exceptional profitability: 28.9% net margin, 28.4% operating margin, 29.8% ROE indicating superior capital allocation
- Fortress balance sheet: 0.05x debt/equity ratio, 40.9x interest coverage ratio, $1.1B cash provide substantial financial flexibility
- Strong growth with positive operational leverage: 37% net income growth exceeds 24.7% revenue growth; 51.2% EPS growth indicates margin expansion
- Excellent cash generation: $842.4M operating cash flow with 29% FCF margin demonstrates converting growth into shareholder distributions
HG Investment Risks to Consider
- Insurance underwriting cyclicality: pricing and profitability margins compress during soft markets or competitive pressure periods
- Catastrophic exposure: severe natural disasters or unexpected claim severity could materially impact underwriting results
- Growth sustainability: current elevated growth rates (24.7% revenue, 37% net income) may not persist; regression to normative levels likely
- Investment portfolio duration risk: large investment portfolio sensitivity to interest rate movements affects total returns
Key Metrics to Watch
- Combined ratio trend: critical insurance metric measuring underwriting profitability and pricing adequacy relative to claims and expenses
- Gross written premiums and policy retention rates: indicate market demand, competitive positioning, and customer loyalty
- Loss ratio and loss frequency/severity trends: measure actual claims experience and reserve adequacy
HG Financial Metrics
💡 AI Analyst Insight
The 29.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
HG Profitability Ratios
HG vs Finance Sector
How Hamilton Insurance Group, Ltd. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is HG Overvalued or Undervalued?
Based on fundamental analysis, Hamilton Insurance Group, Ltd. appears fundamentally strong 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.
HG Balance Sheet & Liquidity
HG 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
HG Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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.
HG Capital Allocation
HG SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for Hamilton Insurance Group, Ltd. (CIK: 0001593275)
📋 Recent SEC Filings
❓ Frequently Asked Questions about HG
What is the AI rating for HG?
Hamilton Insurance Group, Ltd. (HG) has an AI rating of STRONG BUY with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are HG's key strengths?
Claude: Exceptional profitability: 28.9% net margin, 28.4% operating margin, 29.8% ROE indicating superior capital allocation. Fortress balance sheet: 0.05x debt/equity ratio, 40.9x interest coverage ratio, $1.1B cash provide substantial financial flexibility.
What are the risks of investing in HG?
Claude: Insurance underwriting cyclicality: pricing and profitability margins compress during soft markets or competitive pressure periods. Catastrophic exposure: severe natural disasters or unexpected claim severity could materially impact underwriting results.
What is HG's revenue and growth?
Hamilton Insurance Group, Ltd. reported revenue of $2.9B.
Does HG pay dividends?
Hamilton Insurance Group, Ltd. does not currently pay dividends.
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 $5.55.
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 April 2026, Hamilton Insurance Group, Ltd. has a STRONG BUY rating with 85% 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 29.8% (sector avg: 12%), net margin of 28.9% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy HG stock in 2026?
Our dual AI analysis gives Hamilton Insurance Group, Ltd. a combined STRONG 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 $842.4M, with capital expenditures of N/A. FCF margin is 29.0%.
How does HG compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.9% (avg: 25%), ROE 29.8% (avg: 12%), current ratio N/A (avg: 1.2).