Company Analysis

Hamilton Insurance Group, Ltd. (HG)

NYSE: HG · Fire, Marine & Casualty Insurance · Pembroke, BM · filing with the SEC since 2013
Grade6.9
◀ Past 5.6● Present 7.8▶ Future 7.8
1 est.

The grade of Hamilton Insurance Group, Ltd.

Nine metrics read from its own filings, by tense
Headline grade
6.9/10
◀ Past5.640% of the headline
● Present7.835% of the headline
▶ Future7.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.6/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 73rd percentile among 60 sector filers · read for itself

From the record

Hamilton Insurance Group, Ltd.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
5.5/10

What has it actually done, year after year?

+21% a year over 5 filed years; profitable in 4 of 5.

weight 22% of this tense · 55th percentile among 56 sector filers · read for its customers

From the record

Hamilton Insurance Group, Ltd.'s 5 filed years say what it did: revenue went from $1.3 billion in fiscal 2021 to $2.9 billion in fiscal 2025, up 21% a year; it rose in 3 of 4 years; the deepest fall was 8% from fiscal 2021 to fiscal 2022; net income was positive in 4 of 5 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span21.0%top 17% of its family
  • the share of years revenue rosebottom 39% of its family
  • the share of filed years with a profitbottom 43% of its family
  • the deepest fall from a revenue peak7.5%top 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.5/10

How has it treated the people who own it?

Share count grew 0.3% a year. 14% of cash flow returned. Insiders: 9 sales, 1 purchases.

weight 45% of this tense · 45th percentile among 49 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Hamilton Insurance Group, Ltd.'s diluted share count grew about 0.3% a year, and dividends and buybacks returned about 14% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 9 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $3 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 47% of its family
  • cash returned against operating cash flowbottom 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.8/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
8.2/10

Is it financially healthy right now?

ROE 30%: 30¢ of profit per shareholder dollar. Leverage 71%: owes 71¢ per asset dollar.

weight 45% of this tense · 82nd percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Hamilton Insurance Group, Ltd. earned about 30 cents of profit for every dollar of shareholders' money. Leverage: it owed about 71 cents per dollar of assets, and net share issuance: its share count shrank 4.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 27% of its family
  • return on equitytop 14% of its family
  • the share count against the year beforetop 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.6/10

How strong is its position in its industry?

top 24% of 60 in its family; net margin 28.9%.

weight 33% of this tense · 76th percentile among 60 sector filers · read for its customers

From the record

Hamilton Insurance Group, Ltd.'s standing among 60 graded names in its industry family: revenue of $2.9 billion in fiscal 2025 ranks in the top 41% by size; a net margin of 28.9% ranks in the top 12%; revenue growth of 33.1% a year over the last 3 filed years ranks in the top 19% (its annual reports).

What it rests on

  • revenue against the family$2.91Btop 41% of its family
  • net margin28.9%top 12% of its family
  • three-year revenue growth33.1%top 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
7.4/10

What are the people in charge doing?

SI estimate 7.4/10, confidence 35 of 100 (one part).

weight 22% of this tense · 74th percentile among 55 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 26% of 55 in its family; the record of its people begins on 2023-11-09 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2023-11-09 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 55 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Hamilton Insurance Group, Ltd.'s leadership is put at 7.4 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 26% of 55 in its family; the record of its people begins on 2023-11-09 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
8.3/10

How much room does it have to grow?

top 17% of 60 in its family for room to expand.

weight 33% of this tense · 83rd percentile among 60 sector filers · read for itself

From the record

Hamilton Insurance Group, Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1.2 billion against debt of $150 million leaves 10.7% of its assets as net cash, top 14% of its family; cash from operations less capital spending is 29% of revenue (top 21%) (its annual report).

What it rests on

  • cash less debt against assets10.7%top 14% of its family
  • cash from operations less capital spending against revenue29.0%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
8.7/10

What could actually drive growth from here?

top 13% of 56 in its family for growth drivers.

weight 33% of this tense · 87th percentile among 56 sector filers · read for its customers

From the record

Hamilton Insurance Group, Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew 33.1% a year over the last three filed years against 21% over all 5, speeding up (top 12% of its family); the newest year grew 24.7% (top 15%) (its annual reports). Hamilton Insurance Group, Ltd. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+12.1 points a yeartop 12% of its family
  • the newest year's revenue growth24.7%top 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
6.4/10

Did its newest year beat what its own record pointed to?

top 36% of 56 in its family for expectations against reality.

weight 33% of this tense · 64th percentile among 56 sector filers · read for its shareholders

From the record

Hamilton Insurance Group, Ltd.'s newest year against its own record: revenue of $2.9 billion in fiscal 2025 came in 9.3% below the $3.2 billion its prior three years' pace pointed to (bottom 33% of its family); net income of $840 million against a prior three-year average of $288 million (top 24%); a net margin of 28.9% against 13.9% before (top 17%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-9.3%bottom 33% of its family
  • net income against the prior three years' average+192%top 24% of its family
  • net margin against its prior average+15.0 pointstop 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton HG · research, not advice