HG
Hamilton Insurance Group, Ltd.
Financials • CIK: 0001593275
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Market Cap
$2.80B
P/E (TTM)
4.9x
Rev Growth (TTM)
+24.7%
Net Margin (TTM)
28.9%
FCF Yield (TTM)
30.1%
FCF Margin (TTM)
29.0%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$842M
Q4 '25
$293M-1%
Q3 '25
$296M+35%
FCF Margin
TTM29.0%
Q4 '2540.3%-9%
Sector: 22.2%Above Avg
OCF Margin29.0%
OCF/NI1.00x
CapEx Coverage–
FCF Yield30.1%
FCF Growth (2Y)–
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldTTM
TTM4.0%
Div Yield0.0%
+Buyback (TTM)4.0%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$842.4M
Stock Repurchases (TTM)$112.5M
Capital Return / FCF13.4%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.33x
8Q: 0.31x
Leverage (1+D/E)
1.00x
D/E: 0.00x
Asset & CapEx Efficiency
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $2.9B | $728.3M↑9.1% | $667.6M↓9.9% | $740.8M↓3.6% | $768.8M↑34.8% | $570.5M↑11.2% | $512.8M↓12.8% | $587.9M↓10.7% | $658.6M |
Operating Income | $824.9M | $189.7M↑5.2% | $180.3M↓33.3% | $270.5M↑46.6% | $184.5M↑140.5% | $76.7M↑19.7% | $64.1M↓68.4% | $202.9M↓27.0% | $277.9M |
Net Income | $840.0M | $214.6M↑21.6% | $176.4M↓34.1% | $267.8M↑47.7% | $181.3M↑143.6% | $74.4M↑21.9% | $61.0M↓69.5% | $200.4M↓27.7% | $277.3M |
Operating Cash Flow | $842.4M | $293.4M↓0.7% | $295.6M↑35.3% | $218.4M↑525.8% | $34.9M↓87.7% | $284.1M↑76.9% | $160.6M↑2.6% | $156.4M↓1.1% | $158.2M |
Free Cash Flow | $842.4M | $293.4M↓0.7% | $295.6M↑35.3% | $218.4M↑525.8% | $34.9M↓87.7% | $284.1M↑76.9% | $160.6M↑2.6% | $156.4M↓1.1% | $158.2M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
4.9x
Volatile
8Q: 17.1x+0%
Valuation Lenses
Earnings
4.9x
vs – sector
Cash Flow
2.1x
EV/FCF vs –
Growth-Adj
0.1xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
–
Buyback
4.0%
Total Yield
4.0%
Market Cap$2.80B
EV$1.75B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
100/100
Exceptional
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Top 10%
33.0%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.00x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
70/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
24.7%
OpInc Growth YoY
147.3%
EPS Growth YoY
51.6%
FCF 3Y CAGR
N/A
Margin Quality & Sustainability
High Quality
Profitability Cascade
Gross
—
Operating
—
Net
28.9%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+0.1 pts
FCF: 29.0% | Net: 28.9%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $1.17B
Interest Coverage
–
+Net cash position: $1.17B
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis