Hamilton Insurance GroupHG +0.74%61 Interest Coverage is 46.92 as of Mar. 2026, which is 99% above its 10-year median of 23.54. GuruFocus rates HG with a GF Score™ of 61/100 and a GF Value™ of $27.18 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 351 Insurance companies, Hamilton Insurance Group ranks better than 69.8% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Hamilton Insurance Group's
EBIT
for the
three
months ended in Mar. 2026 was $224 Mil. Hamilton Insurance Group's Interest Expense for the
three
months ended in Mar. 2026 was $-5 Mil.
Hamilton Insurance Group's interest coverage for the quarter that ended in Mar. 2026 was 46.92.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Hamilton Insurance Group's Interest Coverage or its related term are showing as below:
HG'
s Interest Coverage Range Over the Past 10 Years
Min: 12.91 Med: 23.54 Max: 45.4
Current: 45.4
HG's Interest Coverage is ranked better than 69.8% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs HG: 45.40
Hamilton Insurance Group (NYSE:HG) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Hamilton Insurance Group Interest Coverage Related Terms
Hamilton Insurance Group Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
HG vs SPNT, GLRE, KG: Interest Coverage Comparison
For the Insurance - Reinsurance subindustry, Hamilton Insurance Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Hamilton Insurance Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Hamilton Insurance Group's Interest Coverage falls into.
Hamilton Insurance Group Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (HG) has a Interest Coverage of 46.92 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Hamilton Insurance Group and its competitors. This is 99% above median its historical median of 23.54. Over the past decade, Hamilton Insurance Group's Interest Coverage has ranged from 12.91 to 45.40. According to the industry distribution chart, Hamilton Insurance Group ranks #106 out of 351 companies in the Insurance industry, placing it in the top 30.2%.
Is Hamilton Insurance Group's Interest Coverage too high?
Hamilton Insurance Group's current Interest Coverage of 46.92 is 99% above median its 10-year median of 23.54. Over the past 10 years, this metric has ranged from a low of 12.91 to a high of 45.40. The Insurance industry median Interest Coverage is 16.23. Hamilton Insurance Group's value of 46.92 is 189.1% above this industry median. Based on the distribution chart, Hamilton Insurance Group ranks #106 out of 351 companies in the Insurance industry, which is above the industry midpoint. Overall, Hamilton Insurance Group has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hamilton Insurance Group's Interest Coverage compare to SPNT and GLRE?
According to the Insurance industry distribution chart, Hamilton Insurance Group ranks #106 out of 351 companies for Interest Coverage. This puts Hamilton Insurance Group in the upper half of its industry. The industry median Interest Coverage is 16.23. Hamilton Insurance Group's value of 46.92 is 189.1% above this benchmark. Historically, Hamilton Insurance Group's own Interest Coverage has ranged from 12.91 to 45.40 over the past decade. While the company's 10-year median is 23.54 vs. the industry median of 16.23, Hamilton Insurance Group has consistently been above 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hamilton Insurance Group's current Interest Coverage of 46.92 is 189.1% above 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Hamilton Insurance Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamilton Insurance Group's current Interest Coverage is 46.92, which is 99% above median its own 10-year median of 23.54. 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 (HG) is currently considered Modestly Overvalued. The stock's GF Value™ is $27.18, compared to a current price of $32.61 — trading 20% above its estimated fair value. The current Interest Coverage is 46.92, which is 99% above median its 10-year median of 23.54 and 189.1% above the Insurance industry median of 16.23. Hamilton Insurance Group's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Hamilton Insurance Group (HG), the current Interest Coverage is 46.92 as of Mar. 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 (HG) Overvalued in 2026?
Based on GuruFocus' analysis, Hamilton Insurance Group stock appears to be overvalued.
The current stock price of $32.61 is trading 20% above its estimated GF Value™ of $27.18.
GuruFocus considers Hamilton Insurance Group to be Modestly Overvalued.
Key valuation signals for HG:
Interest Coverage: 46.92 (99% above median its 10-year median of 23.54)
GF Value™: $27.18 vs. price of $32.61 (20% above fair value)
Industry Position: 189.1% above the Insurance median (#106 of 351)
No single metric tells the full story. See the HG 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.
61GF Score
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