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Upturn AI Summary - About
Hamilton Insurance Group, Ltd.(HG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HG
10/28/2026: HG (3-star) is a REGULAR-BUY. BUY for 8 days. Simulated Profits (-3.77%). Updated daily EoD!
Hamilton Insurance Group, Ltd. is a Bermuda-based specialty insurance and reinsurance company that operates globally through its three core platforms: Hamilton Re, Hamilton Global Specialty, and Hamilton Select. The company has demonstrated a disciplined underwriting approach, consistently generating high returns on equity and solid book value growth since its 2023 IPO. Its primary growth opportunity lies in expanding its U.S. domestic E&S footprint and leveraging itsLloyd's presence to capture niche market share. Investors should monitor risks related to its exposure to catastrophic events and competition from larger incumbents. It is suited for investors seeking exposure to the specialty insurance cycle who are comfortable with the inherent volatility of catastrophe underwriting.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company is in an active expansion phase with strong premium growth and high return on equity. |
| Momentum investor | Strong fit while signal remains positive | Positive earnings surprises and strong price action support momentum-based interest. |
| Value investor | Mixed fit | The stock trades at a reasonable multiple to book value but requires continued underwriting performance to justify valuations. |
| Dividend investor | Mixed fit | While not a pure dividend play, the company has demonstrated capacity for special dividends based on strong years. |
| Low-risk investor | Weak fit | As a specialty insurer, the company's business model is subject to catastrophe-related volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock can experience sharp moves based on seasonal catastrophe events. |
| Valuation risk | Medium | Performance is closely tied to book value growth and underwriting margins. |
| Competition risk (specialty insurance) | High | The sector is highly competitive with larger, better-capitalized incumbents. |
| Business quality | Medium | The franchise is strong but still developing its global brand compared to historic peers. |
| Dividend income | Low | Dividends are opportunistic rather than a guaranteed consistent yield. |
| Execution risk | Medium | Success relies heavily on maintaining low combined ratios across disparate geographies. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 12.01% | Avg. Invested days 40 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.50B USD | Price to earnings Ratio 6.2 | 1Y Target Price 38.14 |
Price to earnings Ratio 6.2 | 1Y Target Price 38.14 | ||
Volume (30-day avg) 386.4K shares | Beta 0.47 | 52 Weeks Range 21.18 - 37.31 | Updated Date 10/28/2026 |
52 Weeks Range 21.18 - 37.31 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.72 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| International Segment | Includes Lloyd's Syndicate 4000 and Hamilton Select E&S carrier. | Profit earned from underwriting specialized commercial risks in London and the US. |
| Bermuda Segment | Hamilton Re platform writing global reinsurance. | Profit from providing global catastrophe and risk capacity. |
| Investment Income | Returns on invested float. | Investment returns on premiums held before claims are paid. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 0.67 | Actual - |
Profitability
Profit Margin 19.58% | Operating Margin (TTM) 31.43% |
Management Effectiveness
Return on Assets (TTM) 5.63% | Return on Equity (TTM) 31.08% |
Valuation
Trailing PE 6.2 | Forward PE - | Enterprise Value 3.01B | Price to Sales(TTM) 1.17 |
Enterprise Value 3.01B | Price to Sales(TTM) 1.17 | ||
Enterprise Value to Revenue 0.99 | Enterprise Value to EBITDA - | Shares Outstanding 65.89M | Shares Floating 47.45M |
Shares Outstanding 65.89M | Shares Floating 47.45M | ||
Percent Insiders 4.78 | Percent Institutions 85.32 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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