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Hamilton Insurance Group
Hamilton Insurance Group (HG) investor relations material
Hamilton Insurance Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Feb, 2026
Executive summary
Achieved record net income of $577 million in 2025, a 44% increase year-over-year, with a 22% return on average equity and 24%–25% growth in book value per share.
Gross premiums written rose to $2.9 billion, up 21% year-over-year, with strong growth across all underwriting platforms.
Maintained disciplined underwriting and cycle management, focusing on attractive pricing and pulling back from less profitable lines.
Board declared a special dividend of $2.00 per share, totaling $206 million, and repurchased $93.4 million in common shares during 2025.
Maintained strong financial strength ratings: A (Stable) from AM Best, A (Stable) from KBRA, and A- (Stable) from Fitch.
Financial highlights
Q4 2025 net income was $172 million ($1.69 per diluted share), with an annualized ROAE of 25%.
Full-year operating income was $502.5 million ($4.84 per diluted share); Q4 operating income was $168 million ($1.65 per diluted share).
Combined ratio for 2025 was 91.3%–92.9%; Q4 combined ratio improved to 87.0% from 95.4% in Q4 2024.
Net investment income reached $511.8 million for the year, with $300.9 million from the Two Sigma Hamilton Fund.
Book value per share increased to $28.50, up 24% year-over-year.
Outlook and guidance
Market expected to remain competitive in 2026, with pricing in targeted lines remaining risk adequate.
Growth anticipated to be more measured, prioritizing profitability over top-line expansion.
Attritional loss ratio guidance for 2026 is 55%, reflecting a raised catastrophe loss threshold.
Other underwriting expense ratio expected to decrease incrementally; corporate expenses guided at $45–$50 million.
Focus on sustainable profitability and significant shareholder value creation.
Two Sigma Fund's investment strategy impact?
Business mix shift's underwriting implications?
Bermuda tax credits: sustainable benefit?
Impact of special dividend on 2026 buybacks?
Growth strategy for property vs. casualty lines?
Future expense ratio impact from AI & tax credit?
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Next Hamilton Insurance Group earnings date
Q1 20267 May, 2026
Hamilton Insurance Group
Next Hamilton Insurance Group earnings date
Q1 20267 May, 2026
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Frequently asked questions
Hamilton Insurance Group Ltd. is a global specialty insurance and reinsurance company, with a strategic focus on leveraging data and technology. The company operates through wholly owned subsidiaries, offering a diversified portfolio of products across its three main underwriting platforms: Hamilton Global Specialty, Hamilton Re, and Hamilton Select. The company prides itself on being data-driven, collaborative, and inclusive, aiming to deliver substantial value to its shareholders, employees, and clients through its advanced approach to risk management and insurance solutions. The company is headquartered in Pembroke, Bermuda, and its shares are listed on the NYSE.
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