HG (Hamilton Insurance Group) Moat Score: 5/10 (As of Jun. 30, 2026)


HG Hamilton Insurance Group Ltd HG
64 GF Score
Price $34.13
GF Value $27.18
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Hamilton Insurance Group Moat Score?

Hamilton Insurance Group HG +1.73% 64 Moat Score is 5 as of Jun. 30, 2026. GuruFocus rates HG with a GF Score™ of 64/100 and a GF Value™ of $27.18 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 601 Insurance companies, Hamilton Insurance Group ranks better than 88.85% on this metric.

Hamilton Insurance Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Hamilton Insurance Group has Narrow Moat: Hamilton Insurance Group benefits from strong brand recognition and customer loyalty in the insurance sector. It has some pricing power and regulatory barriers, but lacks significant intellectual property or network effects.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hamilton Insurance Group might have Narrow Moat - Solid narrow moat.

Hamilton Insurance Group  (NYSE:HG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hamilton Insurance Group Moat Score Related Terms

HG vs SPNT, GLRE, KG: Moat Score Comparison

For the Insurance - Reinsurance subindustry, Hamilton Insurance Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Hamilton Insurance Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Hamilton Insurance Group's Moat Score falls into.


HG
64GF Score
Hamilton Insurance Group Ltd HG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Hamilton Insurance Group (HG) has a Moat Score of 5 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Hamilton Insurance Group ranks #67 out of 601 companies in the Insurance industry, placing it in the top 11.1%.
Is Hamilton Insurance Group's Moat Score too high?
Hamilton Insurance Group's current Moat Score is 5. Based on the distribution chart, Hamilton Insurance Group ranks #67 out of 601 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 Moat Score compare to SPNT and GLRE?
According to the Insurance industry distribution chart, Hamilton Insurance Group ranks #67 out of 601 companies for Moat Score. This places Hamilton Insurance Group in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Hamilton Insurance Group's current Moat Score is 5. 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 $34.13 — trading 25.6% above its estimated fair value. The current Moat Score is 5. Hamilton Insurance Group's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Hamilton Insurance Group (HG), the current Moat Score is 5 as of Jun. 30, 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 $34.13 is trading 25.6% above its estimated GF Value™ of $27.18. GuruFocus considers Hamilton Insurance Group to be Modestly Overvalued.

Key valuation signals for HG:

  • Moat Score: 5
  • GF Value™: $27.18 vs. price of $34.13 (25.6% above fair value)
  • GF Score™: 64/100 with 5 warning signs

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 Business Description

Other Exchanges QN0:Germany
Address 90 Pitts Bay Road, Wellesley House North, 1st Floor, Pembroke, BMU, HM 08
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.13
Price
$27.18
GF Value