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Hamilton Insurance GroupSTU:QN0 -1.32%64 EV-to-FCF is 3.10 as of Jul. 23, 2026, which is 27% above its 10-year median of 2.44. GuruFocus rates STU:QN0 with a GF Score™ of 64/100 and a GF Value™ of €23.39 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 394 Insurance companies, Hamilton Insurance Group ranks better than 82.99% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Hamilton Insurance Group's Enterprise Value is €2,418 Mil.
Hamilton Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €779 Mil. Therefore, Hamilton Insurance Group's EV-to-FCF for today is 3.10.
The historical rank and industry rank for Hamilton Insurance Group's EV-to-FCF or its related term are showing as below:
STU:QN0'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.37 Med: 2.44 Max: 4.33
Current: 3.07
During the past 6 years, the highest EV-to-FCF of Hamilton Insurance Group was 4.33. The lowest was 1.37. And the median was 2.44.
STU:QN0's EV-to-FCF is ranked better than 82.99% of 394
companies
in the Insurance industry
Industry Median: 9.755
vs STU:QN0: 3.07
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hamilton Insurance Group (STU:QN0) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hamilton Insurance Group's PE Ratio (TTM) for today is calculated as:
Hamilton Insurance Group's share price for today is €30.00.
Hamilton Insurance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €5.253.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Hamilton Insurance Group EV-to-FCF Related Terms
Hamilton Insurance Group EV-to-FCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Reinsurance subindustry, Hamilton Insurance Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hamilton Insurance Group EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Hamilton Insurance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Hamilton Insurance Group's EV-to-FCF falls into.
Hamilton Insurance Group's current Enterprise Value is €2,418 Mil.
Hamilton Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €779 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hamilton Insurance Group (STU:QN0) has a EV-to-FCF of 3.10 as of Jul. 23, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hamilton Insurance Group and its competitors. This is 27% above median its historical median of 2.44. Over the past decade, Hamilton Insurance Group's EV-to-FCF has ranged from 1.37 to 4.33. According to the industry distribution chart, Hamilton Insurance Group ranks #67 out of 394 companies in the Insurance industry, placing it in the top 17%.
Is Hamilton Insurance Group's EV-to-FCF too high?
Hamilton Insurance Group's current EV-to-FCF of 3.10 is 27% above median its 10-year median of 2.44. Over the past 10 years, this metric has ranged from a low of 1.37 to a high of 4.33. The Insurance industry median EV-to-FCF is 9.76. Hamilton Insurance Group's value of 3.10 is 68.2% below this industry median. Based on the distribution chart, Hamilton Insurance Group ranks #67 out of 394 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Hamilton Insurance Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hamilton Insurance Group's EV-to-FCF compare to SPNT and GLRE?
According to the Insurance industry distribution chart, Hamilton Insurance Group ranks #67 out of 394 companies for EV-to-FCF. This places Hamilton Insurance Group in the top 17% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.76. Hamilton Insurance Group's value of 3.10 is 68.2% below this benchmark. Historically, Hamilton Insurance Group's own EV-to-FCF has ranged from 1.37 to 4.33 over the past decade. While the company's 10-year median is 2.44 vs. the industry median of 9.76, Hamilton Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.76, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hamilton Insurance Group's current EV-to-FCF of 3.10 is 68.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Hamilton Insurance Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamilton Insurance Group's current EV-to-FCF is 3.10, which is 27% above median its own 10-year median of 2.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamilton Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Hamilton Insurance Group (STU:QN0) is currently considered Modestly Overvalued. The stock's GF Value™ is €23.39, compared to a current price of €30.00 — trading 28.3% above its estimated fair value. The current EV-to-FCF is 3.10, which is 27% above median its 10-year median of 2.44 and 68.2% below the Insurance industry median of 9.76. Hamilton Insurance Group's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Hamilton Insurance Group (STU:QN0), the current EV-to-FCF is 3.10 as of Jul. 23, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hamilton Insurance Group (STU:QN0) Overvalued in 2026?
Based on GuruFocus' analysis, Hamilton Insurance Group stock appears to be overvalued.
The current stock price of €30.00 is trading 28.3% above its estimated GF Value™ of €23.39.
GuruFocus considers Hamilton Insurance Group to be Modestly Overvalued.
Key valuation signals for STU:QN0:
EV-to-FCF: 3.10 (27% above median its 10-year median of 2.44)
GF Value™: €23.39 vs. price of €30.00 (28.3% above fair value)
Industry Position: 68.2% below the Insurance median (#67 of 394)
No single metric tells the full story. See the STU:QN0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamilton Insurance Group Ltd is a specialty insurance and reinsurance company. It operates globally, with underwriting operations in London, Dublin, Bermuda, and the United States. It operates three principal underwriting platforms (Hamilton Global Specialty, Hamilton Select, and Hamilton Re) that are categorized into two reporting business segments: International and Bermuda.
64GF Score
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