Educational research only—not investment advice or a recommendation. Scores and estimates may use delayed, incomplete, restated, or corrected market and filing data. Independently verify information before making an investment decision.

Hamilton Insurance Group, Ltd.

HGNYSE
Wall Street Score · overall investment80/100
$34.52USD$-0.58 (-1.65%)
Company website www.hamiltongroup.com
HeadquartersWellesley House North, Pembroke, HM, HM 08, BM
Financial statement currencyUSD · no FX conversion applied
Financial Services · Insurance - Reinsurance
Price updated todayFinancials updated Oct 1, 2026

HG · Price history

Price at last available close

$34.52

−$0.33 (-0.95%) 1M

2026-10-09

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Company & revenue

About Hamilton Insurance Group, Ltd.

Who they are

Hamilton Insurance Group Ltd. is a holding company, which provides insurance and reinsurance services. It operates through the International and Bermuda segments. The International segment comprises of property, specialty, and casualty insurance and reinsurance classes of business originating from the company's London, Dublin, and Hamilton Select operations.

Detailed revenue, brand and relationship research has not yet been completed for HG.

Wall Street Score

Overall investment score · Quality, value, risk and opportunity

80

Strong

PoorElite

View category scores →

Company Quality

How good is the actual business—regardless of today’s stock price?

80

Strong

Financial Strength

65

Business Quality / Moat

100

Management

100

Growth Quality

60

Risk / Durability

67

Great Company · Attractive Price

Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.

Opportunity

Opportunity Score · How does the current price compare with estimated value?

67

Fully Valued

Based on current valuation, company quality, recent trends, and available market signals.

View score details →

Model Outlook

12-month model · What does the model think happens next?

67/100

Building Historical Record

Model Score 67/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.

Probability unavailable — the model has not produced a calibrated probability yet.

Click for full breakdown →

WSS View

The quick read

The overall Wall Street Score is strong across its combined quality, valuation and risk inputs. Review Company Quality separately to assess the business without its share price.

At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.

The model outlook is currently moderate.

What we like
  • •Strong overall Wall Street Score
  • •Asset quality scores strongly
  • •Valuation scores attractively
  • •Recent buyback activity is present
What to watch

No material warning is currently being highlighted from the available summary data.

Company-specific research

Questions worth answering for HG

Research inputs 100% complete

These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.

  • •Can HG maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
  • •Is HG's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
  • •How is HG likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
  • •Is HG's valuation discount tied to a temporary concern or to a longer-term business risk?
Business analysis: 37 days ago · Fresh

Essential Investment Snapshot

Wall Street Score

80

0–100 · Excellent

Opportunity Score

67

0–100 · Fair

Market Cap

$3.44B

P/E Ratio

5.6

EPS

$5.88

52-Week High

$37.31

52-Week Low

$22.66

Beta

0.42

Intrinsic Value

$226.38

Analyst Target

$37.00

Shares Outstanding

101.5M

Total Revenue

$2.99B

Total Debt

$149.8M

Dividend

No current dividend

View dividend history

Liquidation Value / Share

$28.82

Estimated net asset value per share

Momentum & Volatility Signals

Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.

0–100 market signals
Momentum
52/ 100
+9 pts / 5d

Neutral / mixed momentum

5D +1.1% · 20D -0.9% · RSI 59 · Price vs 20D avg +1.1%
Volatility
12/ 100
+0 pts / 5d

Low movement

20D realized vol 18.9% · 60D 21.3% · Acceleration 0.89x
Momentum = Where is it going?

A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.

Volatility = How violently is it moving?

A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.

Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.

Notices for HG

Detected from reported data — verify before acting.

Historical repurchase activity

Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.

Community Sentiment

0 active · 0 total calls
0% Bullish (0) 0% Bearish (0)

No personal call yet on HG.

Potential upside factors

  • +Positive free cash flow may provide capacity to invest in growth.

Potential downside factors

No strong bearish data point is currently available.

These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.

Create a free account to make a call.

Scores

Click any score for full breakdown
Wall Street Score
Strong80/ 100
Weak (0–50)Fair (51–71)Strong (72+)

Strong

80

Tap for breakdown →

Fair

50

Debt Cost13.5%
Debt Reduction YoY0.1%
Debt / Equity0.05x

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Fair

61

Revenue YoY9.0%
Revenue CAGR30.2%
Net Margin19.6%

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Elite

90

Asset Growth YoY22.8%
Liquidation/Share$28.82
Net Assets/MCap3.07x

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Fair

65

Earnings Yield17.8%
Buyback Yield2.0%
Debt Cost13.5%

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Elite

100

ROIC36.1%
ROE20.5%
ROA5.7%

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Elite

100

EPS Growth54.8%
FCF/Share Growth98.6%
Rev/Share Growth25.9%

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Elite

100

Intrinsic Value$226.38
Value Reference$135.83
MOS84.8%

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Strong

78

Revenue61
Moat100
Valuation100

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Elite

100

MOS %84.8%
Value Reference$135.83
Deep Discount Reference$90.55

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Fair

53

Interest Coverage40.9x
ROIC36.1%
FCF Yield25.6%

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Strong

72

Financial53
Valuation100
Debt50

Tap for breakdown →

Strong

76

Survival Years2.6 yrs
Current Ratio0.63x
FCF Margin30.7%

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Score Changes

4 historical score records available

Previous Score

80

Sep 28, 2026

Change

+0.1

points

Current Score

80

Oct 1, 2026

Category Changes

Revenue+0.1
Debt0
Assets0
Capital+1.0
Management0
Moat0
Valuation0
Buffett0

HG increased 0.1 points because overall fundamentals improved.

Projected Score

Projected Score

73

Projected Change

-7.4 points

Preliminary comparable-period financial changes suggest decline of approximately 7.4 points. This is a projected estimate, not the official WallStreetScore.

Price vs. Value

Review model assumptions

This model estimate is more than three times the share price.

For insurers, earnings can vary sharply with claims and investment gains. Review normalized earnings and book value before relying on this growth-based estimate.

Stored EPS: $5.88 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.

Current Price

$34.52

Model Intrinsic Value

$226.38

Difference

−$191.86

-84.8% vs IV

Margin of Safety

84.8%

Value Reference: $135.83
Deep Discount Reference: $90.55

Financial Charts

Revenue

202020212022202320242025$0$700M$1.4B$2.1B$2.8B

Additional Metrics

Operating Cash Flow

202020212022202320242025$0$250M$500M$750M$1.0B

Total Debt

20212022202320242025$0$40M$80M$120M$160M

Total Assets

20212022202320242025$0$2.5B$5.0B$7.5B$10.0B

Net Margin %

No data
Monetary values in USD. Share counts in raw units.

Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.

Line ItemTTM202520242023202220212020
Revenue$2.99B$2.74B$2.38B$1.62B············
Cost of Revenue$1.42B$1.26B$1.45B$1.07B············
Gross Profit$1.57B$1.48B$930.8M$547.3M············
Research & Development$0.00$0.00$0.00$0.00············
SG&A Expenses$381.5M$278.9M$61.1M$76.7M············
Operating Expenses$725.3M$659.3M$309.3M$292.1M············
EBITDA$881.7M$861.0M$660.6M$289.1M············
Operating Income$846.6M$824.9M$621.6M$255.2M············
Interest Expense$19.4M$20.2M$22.6M$21.4M············
Income Before Tax$846.6M$824.9M$621.6M$255.2M············
Income Tax Expense-$16.2M-$15.1M$8.4M-$25.1M············
Net Income$585.7M$576.7M$400.4M$258.7M············
Basic EPS$5.88$5.68$3.67$2.47············
Basic Shares101M101M101M106M············
Diluted Shares101M101M101M106M············
Upgrade to Premium for up to 10 annual periods, where available.
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Earnings Summary

Estimated earnings date:Nov 3, 2026
Estimated EPS: $0.80Estimated revenue: $693.5M
Jun 30, 2026Q2FY2026

Revenue

$846.9M

Estimate unavailable.

Revenue Beat/Miss

Not available (no estimate stored)

EPS

$1.42

Estimate unavailable.

EPS Beat/Miss

Not available (no estimate stored)

Debt Change

+0.1%

Cash Change

-27.2%

Margin Change

-7.9 pp

Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.

Financial Changes Since Prior Period

What Weakened

  • Margins contracted
  • Cash position declined
  • Debt increased

Potential Score Impact

Positive indicators included revenue growth. Pressure indicators included EPS growth, cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.

Stored Earnings Analysis

Revenue increased 12.2%. EPS declined 20.7%. Cash declined 27.2%. Total debt increased 0.1%. Net income margin declined by 7.9 percentage points.

Earnings-Call Transcript

Earnings-call transcript analysis is not currently available.

These results may influence future scores when the next evaluation is completed.

Upgrade to Premium to unlock all earnings history.View plans
Earnings data: 103 days ago · Stale

Insider Activity

Guru / Smart Money

Guru Score

Smart Money

Number of Gurus

Total Guru Value

Avg Portfolio Weight

Largest Holder

Largest Holder %

New Positions

Increased Positions

Reduced Positions

Exited Positions

Net Guru Sentiment

Short Interest

Government disclosed trading activity is available on the Smart Money directory. Filings may be delayed and may not represent complete current holdings.

Dividend History

Dividend data is not available yet. Missing data does not mean this company pays no dividend.

Conservative Projected Values

3 Years

$———.——

Premium

5 Years

$———.——

Premium

10 Years

$———.——

Premium

Conservative Projection Rate

——%

Premium

Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.

Conservative Projected Values

Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.

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Historical Outperformance Record

Premium unlocks the full historical outperformance record: completed predictions, results chart, win rate, and calibration statistics.

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Historical Trends

4 historical records
Jul 23, 26Aug 14, 26Sep 28, 26Oct 1, 260255075100

Historical Score Chart

3 of 4 records shown
3 historical score records are shown. Start your seven-day free trial to unlock 1 more record and the complete score history.Start Free Trial

Wall Street Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Debt Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Revenue Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Asset Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Capital Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Management Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Moat Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Valuation Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Buffett Score

Aug 14, 26Sep 28, 26Oct 1, 260255075100

Intrinsic Value

Aug 14, 26Sep 28, 26Oct 1, 26$216.00$219.00$222.00$225.00$228.00

Value Reference

Aug 14, 26Sep 28, 26Oct 1, 26$130.00$132.00$134.00$136.00$138.00

Margin of Safety %

Aug 14, 26Sep 28, 26Oct 1, 260.8%0.8%0.8%0.9%0.9%

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News

Rumor Mill · HG

Corporate developments & opportunities

Explore market →

No reviewed developments match this filter.

Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.

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