What is Hamilton Insurance Group, Ltd.'s bermuda - casualty — 4?

Hamilton Insurance Group, Ltd. (HG) reported bermuda - casualty — 4 of 15% in Q4 2025.

What does bermuda - casualty — 4 mean?

This metric measures the fourth year of loss reserve development for the Bermuda Casualty segment, indicating the finality of claim settlements for specific cohorts. It is used to validate the long-term accuracy of actuarial models and the adequacy of capital allocated to the segment. It provides a clear view of the ultimate cost of underwriting casualty risks.

Hamilton Insurance Group, Ltd. HG Bermuda - Casualty — 4

Other product segments

International - Casualty

16%0.0%

International - Specialty

14%+16.7%

Bermuda - Specialty

13%0.0%

International - Property

11%-8.3%

Bermuda - Property

10%-9.1%

Similar metrics at other companies

EGCasualty Insurance — Year four

25.9%—

SPNTCasualty — Year 4

28%-0.5pp

SPNTCasualty — Year 3

23.4%+1.3pp

RLICasualty — Shortduration Insurance Contracts Historical Claims Duration Year Four

18%+0.9pp

ACGLCasualty — Year Four

12.1%+0.2pp

SPNTCasualty — Year 2

25.9%-2.6pp

Other financials

Income statement

See full

Revenue$758.9M-1.3%

Net income$217.0M+19.7%

EPS (diluted)$1.31+70.1%

Balance sheet

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Cash & equivalents$955.5M+4.6%

Total debt$149.8M-0.1%

Total equity$2.7B+13.5%

Total assets$9.9B+18.2%

Cash flow

See full

Operating cash flow$100.8M+189%

Valuation

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Market cap$3.24B+50.7%

Enterprise value$2.43B+75.6%

P/E3.7×-0.5×

P/S1.1×+0.2×

Profitability

See full

Net margin30.2%+9.1pp

Returns & leverage

See full

Return on equity34.2%+11.8pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by Hamilton Insurance Group, Ltd. in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The official record: Hamilton Insurance Group, Ltd.’s 10-K, filed February 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Hamilton Insurance Group, Ltd.'s bermuda - casualty — 4?: Hamilton Insurance Group, Ltd. (HG) reported bermuda - casualty — 4 of 15% in Q4 2025.
What does bermuda - casualty — 4 mean?: This metric measures the fourth year of loss reserve development for the Bermuda Casualty segment, indicating the finality of claim settlements for specific cohorts. It is used to validate the long-term accuracy of actuarial models and the adequacy of capital allocated to the segment. It provides a clear view of the ultimate cost of underwriting casualty risks.