Hamilton Insurance Group, Ltd. (HG)vsReinsurance Group of America (RGA)
HG
Hamilton Insurance Group, Ltd.
$29.06
-1.36%
FINANCIAL SERVICES · Cap: $2.92B
RGA
Reinsurance Group of America
$204.52
+0.55%
FINANCIAL SERVICES · Cap: $13.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Reinsurance Group of America generates 714% more annual revenue ($23.70B vs $2.91B). HG leads profitability with a 19.8% profit margin vs 5.0%. HG trades at a lower P/E of 5.3x. HG earns a higher WallStSmart Score of 77/100 (B+).
HG
Strong Buy77
out of 100
Grade: B+
RGA
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.3%
Fair Value
$259.74
Current Price
$29.06
$230.68 discount
Margin of Safety
+73.4%
Fair Value
$828.36
Current Price
$204.52
$623.84 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 33 in profit
Earnings expanding 433.3% YoY
Strong operational efficiency at 26.9%
Revenue surging 29.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 26.6% year-over-year
Areas to Watch
Weak financial health signals
2.2% earnings growth
5.0% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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 : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 26.6% 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 Piotroski F-Score.
Bear Case : RGA
The primary concerns for RGA are EPS Growth, Profit Margin. Thin 5.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
HG carries more volatility with a beta of 0.55 — expect wider price swings.
HG is growing revenue faster at 29.4% — sustainability is the question.
RGA generates stronger free cash flow (852M), providing more financial flexibility.
Monitor INSURANCE - REINSURANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HG scores higher overall (77/100 vs 72/100), backed by strong 19.8% margins and 29.4% revenue growth. RGA offers better value entry with a 73.4% margin of safety. 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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