WallStSmart

Hamilton Insurance Group, Ltd. (HG)vsOxbridge Re Holdings Ltd (OXBR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hamilton Insurance Group, Ltd. generates 120061% more annual revenue ($2.91B vs $2.42M). HG leads profitability with a 19.8% profit margin vs -109.7%. HG earns a higher WallStSmart Score of 77/100 (B+).

HG

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 8.5Value: 8.3Quality: 4.8
Piotroski: 3/9

OXBR

Avoid

31

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 5.8
Piotroski: 4/9Altman Z: -5.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HGUndervalued (+88.3%)

Margin of Safety

+88.3%

Fair Value

$259.74

Current Price

$29.06

$230.68 discount

UndervaluedFair: $259.74Overvalued

Intrinsic value data unavailable for OXBR.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HG6 strengths · Avg: 9.3/10
P/E RatioValuation
5.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Return on EquityProfitability
32.6%10/10

Every $100 of equity generates 33 in profit

EPS GrowthGrowth
433.3%10/10

Earnings expanding 433.3% YoY

Operating MarginProfitability
26.9%8/10

Strong operational efficiency at 26.9%

Revenue GrowthGrowth
29.4%8/10

Revenue surging 29.4% year-over-year

OXBR2 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

Areas to Watch

HG1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

OXBR4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
2.1%4/10

2.1% revenue growth

Market CapQuality
$7.08M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-56.3%2/10

ROE of -56.3% — below average capital efficiency

EPS GrowthGrowth
-56.5%2/10

Earnings declined 56.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : HG

The strongest argument for HG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 19.8% and operating margin at 26.9%. Revenue growth of 29.4% demonstrates continued momentum.

Bull Case : OXBR

The strongest argument for OXBR centers on Price/Book, Debt/Equity.

Bear Case : HG

The primary concerns for HG are Piotroski F-Score.

Bear Case : OXBR

The primary concerns for OXBR are Revenue Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

HG profiles as a growth stock while OXBR is a turnaround play — different risk/reward profiles.

OXBR carries more volatility with a beta of 2.34 — expect wider price swings.

HG is growing revenue faster at 29.4% — sustainability is the question.

HG generates stronger free cash flow (293M), providing more financial flexibility.

Bottom Line

HG scores higher overall (77/100 vs 31/100), backed by strong 19.8% margins and 29.4% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Hamilton Insurance Group, Ltd.

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

Hamilton Insurance Group, Ltd., engages in underwriting specialty insurance and reinsurance risks in Bermuda and internationally. The company is headquartered in Pembroke, Bermuda with additional locations in Dublin, Ireland; London, United Kingdom; Miami, Florida; New York, New York; and Glen Allen, Virginia.

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Oxbridge Re Holdings Ltd

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

Oxbridge Re Holdings Limited, provides specialized P&C reinsurance solutions. The company is headquartered in George Town, the Cayman Islands.

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