Hamilton Insurance Group Financials
This page shows Hamilton Insurance Group (HG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Hamilton Insurance Group passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Hamilton Insurance Group generates $1.00 in operating cash flow ($842.4M OCF vs $840.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Hamilton Insurance Group generated $2.9B in revenue in fiscal year 2025. This represents an increase of 24.7% from the prior year.
Hamilton Insurance Group reported $840.0M in net income in fiscal year 2025. This represents an increase of 37.0% from the prior year.
Hamilton Insurance Group earned $5.55 per diluted share (EPS) in fiscal year 2025. This represents an increase of 51.2% from the prior year.
Cash & Balance Sheet
Hamilton Insurance Group held $1.1B in cash against $149.7M in long-term debt as of fiscal year 2025.
Hamilton Insurance Group had 99M shares outstanding in fiscal year 2025. This represents a decrease of 2.4% from the prior year.
Margins & Returns
Hamilton Insurance Group's net profit margin was 28.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.
Hamilton Insurance Group's ROE was 29.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.4 percentage points from the prior year.
Capital Allocation
Hamilton Insurance Group spent $112.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 25.1% from the prior year.
HG Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $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 |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $73.1M-1.6% | $74.3M+8.0% | $68.8M+9.8% | $62.7M-29.5% | $89.0M+42.6% | $62.4M-3.9% | $64.9M+18.3% | $54.9M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $4.9M-0.2% | $4.9M+4.3% | $4.7M-15.6% | $5.6M+1.4% | $5.5M+3.3% | $5.4M-11.3% | $6.0M+5.7% | $5.7M |
| Income Tax | -$24.9M-743.3% | $3.9M+44.5% | $2.7M-16.6% | $3.2M+40.3% | $2.3M-24.6% | $3.0M+21.4% | $2.5M+321.6% | $592K |
| Net Income | $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 |
| EPS (Diluted) | N/A | $1.32-26.3% | $1.79+132.5% | $0.77 | N/A | $0.74-38.3% | $1.20-13.0% | $1.38 |
HG Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.6B+3.9% | $9.2B+3.4% | $8.9B+6.8% | $8.3B+7.0% | $7.8B-0.4% | $7.8B+2.7% | $7.6B+3.7% | $7.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $1.1B+11.2% | $955.1M-3.1% | $985.6M+17.5% | $838.5M-15.9% | $996.5M+4.1% | $957.4M-5.8% | $1.0B-6.3% | $1.1B |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | $0 | N/A | N/A | N/A |
| Total Liabilities | $6.7B+4.3% | $6.5B+2.9% | $6.3B+6.4% | $5.9B+8.0% | $5.5B+0.3% | $5.5B+2.7% | $5.3B+4.4% | $5.1B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $149.7M0.0% | $149.7M0.0% | $149.7M-0.2% | $150.0M0.0% | $149.9M0.0% | $149.9M0.0% | $149.9M0.0% | $149.9M |
| Total Equity | $2.8B+6.0% | $2.7B+4.0% | $2.6B+6.6% | $2.4B+3.0% | $2.3B+0.7% | $2.3B+3.4% | $2.2B+1.3% | $2.2B |
| Retained Earnings | $1.7B+10.5% | $1.5B+8.2% | $1.4B+13.8% | $1.2B+6.3% | $1.2B+2.1% | $1.1B+6.9% | $1.1B+11.8% | $957.8M |
HG Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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 |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$42.7M+81.5% | -$230.6M-2462.7% | $9.8M+106.5% | -$150.6M-69.4% | -$88.9M+60.5% | -$225.2M-250.7% | -$64.2M-133.1% | $194.1M |
| Financing Cash Flow | -$143.6M-108.7% | -$68.8M+19.6% | -$85.5M-9.3% | -$78.3M+38.6% | -$127.4M-1172.6% | -$10.0M+93.6% | -$156.9M-129.5% | -$68.4M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $20.2M-50.1% | $40.5M+15.6% | $35.0M+107.3% | $16.9M-37.4% | $27.0M+169.3% | $10.0M-90.9% | $110.2M+3333.3% | $3.2M |
HG Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 29.5%+3.0pp | 26.4%-9.7pp | 36.1%+12.6pp | 23.6%+10.5pp | 13.0%+1.1pp | 11.9%-22.2pp | 34.1%-8.0pp | 42.1% |
| Return on Equity | 7.6%+1.0pp | 6.6%-3.8pp | 10.5%+2.9pp | 7.5%+4.3pp | 3.2%+0.6pp | 2.6%-6.3pp | 8.9%-3.6pp | 12.6% |
| Return on Assets | 2.2%+0.3pp | 1.9%-1.1pp | 3.0%+0.8pp | 2.2%+1.2pp | 0.9%+0.2pp | 0.8%-1.9pp | 2.6%-1.1pp | 3.8% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.050.0 | 0.060.0 | 0.060.0 | 0.060.0 | 0.060.0 | 0.060.0 | 0.070.0 | 0.07 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is Hamilton Insurance Group's annual revenue?
Hamilton Insurance Group (HG) reported $2.9B in total revenue for fiscal year 2025. This represents a 24.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Hamilton Insurance Group's revenue growing?
Hamilton Insurance Group (HG) revenue grew by 24.7% year-over-year, from $2.3B to $2.9B in fiscal year 2025.
Is Hamilton Insurance Group profitable?
Yes, Hamilton Insurance Group (HG) reported a net income of $840.0M in fiscal year 2025, with a net profit margin of 28.9%.
How much debt does Hamilton Insurance Group have?
As of fiscal year 2025, Hamilton Insurance Group (HG) had $1.1B in cash and equivalents against $149.7M in long-term debt.
What is Hamilton Insurance Group's net profit margin?
Hamilton Insurance Group (HG) had a net profit margin of 28.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Hamilton Insurance Group's return on equity (ROE)?
Hamilton Insurance Group (HG) has a return on equity of 29.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Hamilton Insurance Group's operating cash flow?
Hamilton Insurance Group (HG) generated $842.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Hamilton Insurance Group's total assets?
Hamilton Insurance Group (HG) had $9.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Hamilton Insurance Group's debt-to-equity ratio?
Hamilton Insurance Group (HG) had a debt-to-equity ratio of 0.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Hamilton Insurance Group's return on assets (ROA)?
Hamilton Insurance Group (HG) had a return on assets of 8.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Hamilton Insurance Group's Piotroski F-Score?
Hamilton Insurance Group (HG) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Hamilton Insurance Group's earnings high quality?
Hamilton Insurance Group (HG) has an earnings quality ratio of 1.00x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.