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Hamilton Insurance Group (HG) investor relations material
Hamilton Insurance Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Net income for Q3 2025 reached $136 million, with annualized ROAE of 21% and strong underwriting and investment results driving performance.
Gross premiums written rose 26% year-over-year to $698.8 million, led by growth in casualty, specialty, and property lines across International and Bermuda segments.
Combined ratio improved to 87.8% from 93.6% year-over-year, reflecting disciplined risk selection and lower catastrophe losses.
Book value per share increased 17.9% to $27.06 as of September 30, 2025, supported by strong earnings and share repurchases.
Management highlighted key leadership appointments and a culture focused on collaboration and entrepreneurship.
Financial highlights
Net income was $136 million ($1.32 per diluted share) for Q3 2025; year-to-date net income reached $404.5 million, with diluted EPS of $3.88.
Gross premiums written for Q3 2025 were $698.8 million, up 26.3% year-over-year; net premiums earned rose 17% to $523.0 million.
Underwriting income for Q3 2025 was $64 million, more than double the prior year.
Book value per share rose 17.9% to $27.06 at September 30, 2025.
Investment income totaled $98 million in Q3, with strong contributions from fixed income and the Two Sigma Hamilton Fund.
Outlook and guidance
Management expects continued growth in insurance and reinsurance, especially in U.S. E&S and specialty lines, with disciplined underwriting and portfolio diversification.
Market conditions remain attractive, though some reinsurance classes are experiencing flatter dynamics and increased competition.
No near-term plans to pay cash dividends on Class B common shares.
How will portfolio composition evolve by 2026?
Two Sigma Fund's future contribution to earnings?
Impact of growth strategy on expense ratio?
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Next Hamilton Insurance Group earnings date
Q4 202526 Feb, 2026
Next Hamilton Insurance Group earnings date
Q4 202526 Feb, 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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