Bull Rankings model

Hamilton Insurance Group, Ltd. (HG) stock analysis

Insurance - Reinsurance. Scored on the same transparent model behind the daily rankings.

★
HG
Hamilton Insurance Group, Ltd. · Insurance - Reinsurance
75.5Financial strength
$34.92Oct 13 close$3.4B
1Y Target$38.29Analyst consensus · 7 analysts
5Y Target$56.05Compound horizon
10Y Target$83.15Long-dated conviction
Rev+24.4%
A-
Revenue +24.4% — strong growth, well above S&P median (~7%)
P/E6.1x
A
P/E 6.1 — cheapest decile in Financial Services (≈10th pctile)
ROE31.1%
A
ROE 31.1% — world-class capital efficiency
P/B1.21
B+
P/B 1.21 — reasonable for a quality bank
Yield0.0%
C
No dividend / yield n/a

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 75.5 / 100
Profitability100.0
Value (P/B)76.8
Income30.0

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
6% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Reinsurance · market cap $3.4b. 6% off the 52-week high of $37.31. Revenue growing +24%, comfortably above the S&P median. 7 sell-side analysts rate this a Buy with a mean 1-yr target of $38.29 (implying +10% upside).
Moat
Net margin 20% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 31% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $38.29 (7-analyst consensus) — fundamentals + valuation re-rating. 5 yr $56.05 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $83.15 if current growth sustains into durable earnings power.

Not enough history yet — the model records HG's score after each daily run, and the chart appears once a few days have accumulated.

HG at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY100VALUE77COVERED INCOME3075.5/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+44%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$34.9LOW $22.7HIGH $37.3Trading at the 84th percentile of its 52-week range ($22.7–$37.3).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.5%
90-day change+2.1%
Forward EPS estimate$4.76

Over the last 90 days, what analysts expect HG to earn is drifting higher (+2.1%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
57
Position size
$1,990
4.0% of portfolio
Stop price
$26.19
25% below $34.92
$ at risk if stopped
$497.61
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Hamilton Insurance Group, Ltd. (HG): score, valuation & FAQ

Hamilton Insurance Group, Ltd. (HG) is an Insurance - Reinsurance company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A), ROE (A) and Rev (A-).

Is HG a good stock to buy?

Bull Rankings grades HG on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A), ROE (A) and Rev (A-). A score is a quantitative screen of Hamilton Insurance Group, Ltd.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade HG?

As a bank, insurer or REIT, HG isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A), ROE (A) and Rev (A-).

Is HG overvalued or undervalued?

We don't publish a discounted-cash-flow value for HG, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. HG is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in HG?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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