Hamilton Insurance Group, Ltd. (HG) AI Stock Analysis

Hamilton Insurance Group, Ltd. operates globally through its subsidiaries, focusing on underwriting specialized insurance and reinsurance risks. The company provides casualty reinsurance solutions including general liability, healthcare, and worker's compensation, alongside property treaty reinsurance and specialty coverage in aviation and marine insurance. It also offers a range of specialty insurance products covering cyber security, environmental liability, fine art and specie, and political risk, as well as management liability, medical professionals' insurance, and small business casualty plans. Headquartered in Pembroke, Bermuda, Hamilton maintains an international presence with strategic offices in Dublin, London, Miami, New York, and Glen Allen, Virginia.

Hamilton demonstrated significant expansion as annual revenue grew from $1.34B in FY2021 to $2.74B in FY2025, reflecting a 5-year revenue CAGR of 30.0%. After reporting an operating margin of -2.1% and a net loss of -$98.0M in FY2022, operating profitability rebounded to 15.8% in FY2023, 26.1% in FY2024, and 30.1% in FY2025, when net income reached $576.7M. Gross margin also reached 54.1% in FY2025 with operating cash flow of $842.4M. For the latest quarter ended June 30, 2026, revenue increased 13.0% year-over-year, while quarterly earnings declined 20.7% compared to the prior-year period.

As of June 30, 2026, Hamilton held $4.19B in cash and short-term investments against total debt of $149.8M, resulting in net cash of $4.04B. The debt-to-equity ratio stood at 0.05, supported by shareholders' equity of $2.85B and total assets of $10.26B. Free cash flow was $842.4M in FY2025, matching operating cash flow. In FY2025, capital allocation included $112.5M spent on share buybacks, contributing to a 5-year share count change of -2.4%.

At its last close of $36.21 on October 16, 2026, HG traded at a trailing P/E of 6.3x and a price-to-sales ratio of 1.2x. Both multiples trade at a discount to the median of its US-listed Financial Services peers, which stood at a trailing P/E of 12.1x and a price-to-sales ratio of 3.2x. The enterprise value of $2.73B translates to an EV-to-revenue ratio of 0.9x. Over the past year, HG generated a return of 64.7%, outperforming the S&P 500 ETF (SPY) return of 16.8%.

Wall Street analyst coverage consists of 1 Strong Buy, 3 Buy, and 3 Hold ratings. The mean price target of $38.14 represents an upside of 5.3% over the last close of $36.21. For the fiscal year ending December 31, 2026, analysts estimate EPS of $5.09 on revenue of $3.03B. For the subsequent fiscal year, 7 analysts project EPS of $4.78 and revenue of $3.10B. The company beat EPS estimates in 4 of the last 4 quarters, with its next earnings date set for October 29, 2026.

This page is an AI-written research summary of Hamilton Insurance Group, Ltd. (HG). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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