Hamilton Insurance GroupHG -0.64%62 3-Year ROIIC % is 24.64 as of Dec. 2025, which is 36% above its 10-year median of 18.12. GuruFocus rates HG with a GF Score™ of 62/100 and a GF Value™ of $27.16 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 336 Insurance companies, Hamilton Insurance Group ranks better than 80.36% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Hamilton Insurance Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 24.64%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Hamilton Insurance Group's 3-Year ROIIC % or its related term are showing as below:
HG's 3-Year ROIIC % is ranked better than 80.36% of 336
companies
in the Insurance industry
Industry Median: 5.16
vs HG: 24.64
Hamilton Insurance Group (NYSE:HG) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Hamilton Insurance Group 3-Year ROIIC % Related Terms
Hamilton Insurance Group 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Hamilton Insurance Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Hamilton Insurance Group's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Hamilton Insurance Group (HG) has a 3-Year ROIIC % of 24.64 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Hamilton Insurance Group and its competitors. This is 36% above median its historical median of 18.12. Over the past decade, Hamilton Insurance Group's 3-Year ROIIC % has ranged from 8.01 to 24.64. According to the industry distribution chart, Hamilton Insurance Group ranks #66 out of 336 companies in the Insurance industry, placing it in the top 19.6%.
Is Hamilton Insurance Group's 3-Year ROIIC % too high?
Hamilton Insurance Group's current 3-Year ROIIC % of 24.64 is 36% above median its 10-year median of 18.12. Over the past 10 years, this metric has ranged from a low of 8.01 to a high of 24.64. The Insurance industry median 3-Year ROIIC % is 5.16. Hamilton Insurance Group's value of 24.64 is 377.5% above this industry median. Based on the distribution chart, Hamilton Insurance Group ranks #66 out of 336 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 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hamilton Insurance Group's 3-Year ROIIC % compare to SPNT and GLRE?
According to the Insurance industry distribution chart, Hamilton Insurance Group ranks #66 out of 336 companies for 3-Year ROIIC %. This places Hamilton Insurance Group in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.16. Hamilton Insurance Group's value of 24.64 is 377.5% above this benchmark. Historically, Hamilton Insurance Group's own 3-Year ROIIC % has ranged from 8.01 to 24.64 over the past decade. While the company's 10-year median is 18.12 vs. the industry median of 5.16, 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.16, based on 336 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hamilton Insurance Group's current 3-Year ROIIC % of 24.64 is 377.5% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Hamilton Insurance Group and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamilton Insurance Group's current 3-Year ROIIC % is 24.64, which is 36% above median its own 10-year median of 18.12. 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 $27.16, compared to a current price of $34.27 — trading 26.2% above its estimated fair value. The current 3-Year ROIIC % is 24.64, which is 36% above median its 10-year median of 18.12 and 377.5% above the Insurance industry median of 5.16. Hamilton Insurance Group's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Hamilton Insurance Group (HG), the current 3-Year ROIIC % is 24.64 as of Dec. 2025. 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 $34.27 is trading 26.2% above its estimated GF Value™ of $27.16.
GuruFocus considers Hamilton Insurance Group to be Modestly Overvalued.
Key valuation signals for HG:
3-Year ROIIC %: 24.64 (36% above median its 10-year median of 18.12)
GF Value™: $27.16 vs. price of $34.27 (26.2% above fair value)
Industry Position: 377.5% above the Insurance median (#66 of 336)
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.
62GF Score
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