Hamilton Insurance Group, Ltd. (HG)vsReinsurance Group of America (RGA)
HG
Hamilton Insurance Group, Ltd.
$30.49
+4.70%
FINANCIAL SERVICES · Cap: $2.94B
RGA
Reinsurance Group of America
$204.96
+3.53%
FINANCIAL SERVICES · Cap: $13.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Reinsurance Group of America generates 761% more annual revenue ($24.93B vs $2.89B). HG leads profitability with a 21.7% profit margin vs 4.9%. HG trades at a lower P/E of 4.9x. HG earns a higher WallStSmart Score of 71/100 (B).
HG
Strong Buy71
out of 100
Grade: B
RGA
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 70.1% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 23 in profit
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.5% year-over-year
Generating 2.9B in free cash flow
Areas to Watch
Revenue declined 2.2%
Distress zone — elevated risk
4.9% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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 : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.
Bear Case : HG
The primary concerns for HG are Revenue Growth, Altman Z-Score.
Bear Case : RGA
The primary concerns for RGA are Profit Margin. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
HG profiles as a declining stock while RGA is a growth play — different risk/reward profiles.
HG carries more volatility with a beta of 0.70 — expect wider price swings.
RGA is growing revenue faster at 23.5% — sustainability is the question.
RGA generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HG scores higher overall (71/100 vs 66/100), backed by strong 21.7% margins. Both earn "Strong Buy" and "Strong Buy" 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.
Visit Website →Reinsurance Group of America
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.
Visit Website →Compare with Other INSURANCE - REINSURANCE Stocks
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