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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
As of Mar. 2026, Hamilton Insurance Group has a Sloan Ratio of 0.13%, indicating the company is in the safe zone and there is no funny business with accruals.
Hamilton Insurance Group (NYSE:HG) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Mar. 2026, Hamilton Insurance Group has a Sloan Ratio of 0.13%, indicating the company is in the safe zone and there is no funny business with accruals.
Hamilton Insurance Group Sloan Ratio % Related Terms
Hamilton Insurance Group Sloan Ratio % 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 Sloan Ratio %, along with its competitors' market caps and Sloan Ratio % 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 Sloan Ratio % vs Insurance Industry
For the Insurance industry and Financial Services sector, Hamilton Insurance Group's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Hamilton Insurance Group's Sloan Ratio % falls into.
Hamilton Insurance Group Sloan Ratio % Calculation
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Hamilton Insurance Group's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Hamilton Insurance Group's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 187.415 (Jun. 2025 ) + 136.2 (Sep. 2025 ) + 172.184 (Dec. 2025 ) + 133.538 (Mar. 2026 ) = $629 Mil.
Hamilton Insurance Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 218.411 (Jun. 2025 ) + 295.613 (Sep. 2025 ) + 293.425 (Dec. 2025 ) + 100.828 (Mar. 2026 ) = $908 Mil.
Hamilton Insurance Group's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was 9.758 (Jun. 2025 ) + -230.553 (Sep. 2025 ) + -42.708 (Dec. 2025 ) + -27.802 (Mar. 2026 ) = $-291 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 (HG) has a Sloan Ratio % of 0.13% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Hamilton Insurance Group and its competitors.
Is Hamilton Insurance Group's Sloan Ratio % too high?
Hamilton Insurance Group's current Sloan Ratio % is 0.13%. Overall, Hamilton Insurance Group has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hamilton Insurance Group's Sloan Ratio % compare to SPNT and GLRE?
Hamilton Insurance Group's Sloan Ratio % of 0.13% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for an Insurance company?
A good Sloan Ratio % depends on the Insurance industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Hamilton Insurance Group and its competitors. Hamilton Insurance Group's current Sloan Ratio % is 0.13%. 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 $27.13, compared to a current price of $35.22 — trading 29.8% above its estimated fair value. The current Sloan Ratio % is 0.13%. Hamilton Insurance Group's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Hamilton Insurance Group (HG), the current Sloan Ratio % is 0.13% 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 $35.22 is trading 29.8% above its estimated GF Value™ of $27.13.
GuruFocus considers Hamilton Insurance Group to be Modestly Overvalued.
Key valuation signals for HG:
Sloan Ratio %: 0.13%
GF Value™: $27.13 vs. price of $35.22 (29.8% above fair value)
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.
60GF Score
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