WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hamilton Insurance Group, Ltd. generates 115313% more annual revenue ($2.89B vs $2.51M). HG leads profitability with a 21.7% profit margin vs -76.5%. HG earns a higher WallStSmart Score of 71/100 (B).

HG

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.7Quality: 5.8
Piotroski: 5/9Altman Z: 0.77

OXBR

Avoid

23

out of 100

Grade: F

Growth: 4.7Profit: 3.0Value: 5.0Quality: 5.8
Piotroski: 4/9Altman Z: -3.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HG6 strengths · Avg: 9.7/10
P/E RatioValuation
5.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
70.1%10/10

Earnings expanding 70.1% YoY

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Return on EquityProfitability
23.1%9/10

Every $100 of equity generates 23 in profit

Profit MarginProfitability
21.7%9/10

Keeps 22 of every $100 in revenue as profit

OXBR2 strengths · Avg: 9.5/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Areas to Watch

HG2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-2.2%2/10

Revenue declined 2.2%

Altman Z-ScoreHealth
0.772/10

Distress zone — elevated risk

OXBR4 concerns · Avg: 2.3/10
Market CapQuality
$7.74M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-54.3%2/10

ROE of -54.3% — below average capital efficiency

Revenue GrowthGrowth
-10.0%2/10

Revenue declined 10.0%

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, EPS Growth. Profitability is solid with margins at 21.7% and operating margin at 29.1%.

Bull Case : OXBR

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

Bear Case : HG

The primary concerns for HG are Revenue Growth, Altman Z-Score.

Bear Case : OXBR

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

Key Dynamics to Monitor

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

OXBR carries more volatility with a beta of 2.02 — expect wider price swings.

HG is growing revenue faster at -2.2% — sustainability is the question.

HG generates stronger free cash flow (101M), providing more financial flexibility.

Bottom Line

HG scores higher overall (71/100 vs 23/100), backed by strong 21.7% margins. 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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