)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Hamilton Insurance Group
Hamilton Insurance Group (HG) investor relations material
Hamilton Insurance Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
Q3 net income was $81.5M and adjusted operating income was $179.9M; annualized adjusted operating return on average equity was 24.9%.
Q3 gross premiums written rose 17.3% to $819.7M, while the combined ratio increased to 97.3% from 87.8%.
Book value per share was $29.80, or $31.80 including accumulated dividends; book value per share plus accumulated dividends increased 83% since the IPO.
Financial highlights
Q3 net income was $81.5M, or $0.81 per diluted share, versus $136.2M and $1.32; adjusted operating income was $179.9M, or $1.78 per share, versus $123.1M and $1.20.
Q3 revenue was $828.0M versus $667.7M; net premiums earned rose 13.1% to $591.3M.
9M GPW rose 14.9% to $2.6B and net premiums earned increased 14.0% to $1.7B; underwriting income was $102.2M and the combined ratio was 94.1%.
9M net income attributable to common shareholders was $358.8M versus $404.5M; diluted EPS was $3.54 versus $3.88.
Q3 net investment income was $88M versus $98M; total net investment income and realized and unrealized gains were $235.1M versus $137.9M.
Outlook and guidance
FY 2026 premium growth is expected to remain in the low double digits; profitable underwriting and risk-adjusted returns take precedence over top-line growth.
Underlying loss ratio guidance remained 55% overall, 54.5% International and 56% Bermuda; the annual catastrophe loss ratio plan was 6%–7%.
For Jan. 1, 2027 renewals, property pricing is expected to decline less than at Jan. 1, 2026; rates are expected to remain adequate, with terms and conditions largely intact.
Growth opportunities include reinsurance key accounts, new specialty lines and Hamilton Select, where risk-adjusted returns are attractive.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Hamilton Insurance Group
- Q2 2026: $144M net income, 16.7% premium growth, 95% combined ratio, $2.00/share dividend.HG
Q2 2026 - Record net income, board approvals, and a special dividend marked a strong 2025.HGAGM 2026
- Net income reached $134M with 11.5% premium growth, 89.8% combined ratio, and a $2.00 dividend.HGQ1 2026
- Record net income, 21% premium growth, and a $2.00 special dividend marked strong 2025 results.HGQ4 2025
- Q2 net income jumped 43% on 18% premium growth and strong segment profitability.HGQ2 2025
- Q3 net income surged 80% year-over-year, with book value per share up 22.8% year-to-date.HGQ3 2024
- Q2 net income hit $131.1M with a record low combined ratio and new $150M buyback authorized.HGQ2 2024
- Q1 net income and premiums grew, but catastrophe losses drove combined ratio to 111.6%.HGQ1 2025
- Net income up 55% to $400M, with strong premium growth and robust investment returns.HGQ4 2024
Next Hamilton Insurance Group earnings date
Q4 202619 Feb, 2027
Hamilton Insurance Group
Next Hamilton Insurance Group earnings date
Q4 202619 Feb, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.