Hamilton Insurance GroupHG +0.74%61 ROE % is 19.27% as of Mar. 2026, which is 38% above its 10-year median of 13.94. 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 504 Insurance companies, Hamilton Insurance Group ranks better than 85.91% on this metric.
The historical rank and industry rank for Hamilton Insurance Group's ROE % or its related term are showing as below:
HG'
s ROE % Range Over the Past 10 Years
Min: -5.68 Med: 13.94 Max: 23.9
Current: 23.9
During the past 6 years, Hamilton Insurance Group's highest ROE % was 23.90%. The lowest was -5.68%. And the median was 13.94%.
HG's ROE % is ranked better than 85.91% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs HG: 23.90
Hamilton Insurance Group (NYSE:HG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Hamilton Insurance Group's ROE % distribution charts can be found below:
* The bar in red indicates where Hamilton Insurance Group's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Hamilton Insurance Group (HG) has a ROE % of 19.27% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hamilton Insurance Group and its competitors. This is 38% above median its historical median of 13.94. According to the industry distribution chart, Hamilton Insurance Group ranks #71 out of 504 companies in the Insurance industry, placing it in the top 14.1%.
Is Hamilton Insurance Group's ROE % too high?
Hamilton Insurance Group's current ROE % of 19.27% is 38% above median its 10-year median of 13.94. The Insurance industry median ROE % is 11.68. Hamilton Insurance Group's value of 19.27% is 65.1% above this industry median. Based on the distribution chart, Hamilton Insurance Group ranks #71 out of 504 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 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hamilton Insurance Group's ROE % compare to SPNT and GLRE?
According to the Insurance industry distribution chart, Hamilton Insurance Group ranks #71 out of 504 companies for ROE %. This places Hamilton Insurance Group in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. Hamilton Insurance Group's value of 19.27% is 65.1% above this benchmark. While the company's 10-year median is 13.94 vs. the industry median of 11.68, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hamilton Insurance Group's current ROE % of 19.27% is 65.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hamilton Insurance Group and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamilton Insurance Group's current ROE % is 19.27%, which is 38% above median its own 10-year median of 13.94. 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 ROE % is 19.27%, which is 38% above median its 10-year median of 13.94 and 65.1% above the Insurance industry median of 11.68. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Hamilton Insurance Group (HG), the current ROE % is 19.27% 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:
ROE %: 19.27% (38% above median its 10-year median of 13.94)
GF Value™: $27.18 vs. price of $32.61 (20% above fair value)
Industry Position: 65.1% above the Insurance median (#71 of 504)
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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