What is Hamilton Insurance Group, Ltd.'s bermuda - property — 3?

Hamilton Insurance Group, Ltd. (HG) reported bermuda - property — 3 of 13% in Q4 2025.

What does bermuda - property — 3 mean?

This metric represents the underwriting expense ratio for the Bermuda property segment, measuring the efficiency of the segment in managing its operating and acquisition costs relative to net earned premiums. A lower ratio indicates superior operational efficiency and cost control in the underwriting process. It is a critical benchmark for assessing the segment's ability to generate profit from its core insurance operations.

Hamilton Insurance Group, Ltd. HG Bermuda - Property — 3

Other product segments

International - Specialty

23%-4.2%

International - Property

19%0.0%

Bermuda - Specialty

14%0.0%

International - Casualty

13%+8.3%

Bermuda - Casualty

12%+9.1%

Similar metrics at other companies

RNRProperty — Underwriting expense ratio

24.8%+6.2pp

FRHCProperty Damage — 4

22%-6.3pp

FRHCProperty Damage — 3

30%-2.6pp

CINFCommercial Property Segment — 1

59.5%-0.1pp

ESN

ESNTReinsurance — Expense ratio

35.7%+18.7pp

RNRProperty — Loss Ratio

9.3%-121pp

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

See full

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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

Ask your AI about Hamilton Insurance Group, Ltd.'s bermuda - property — 3.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Hamilton Insurance Group, Ltd.'s bermuda - property — 3?: Hamilton Insurance Group, Ltd. (HG) reported bermuda - property — 3 of 13% in Q4 2025.
What does bermuda - property — 3 mean?: This metric represents the underwriting expense ratio for the Bermuda property segment, measuring the efficiency of the segment in managing its operating and acquisition costs relative to net earned premiums. A lower ratio indicates superior operational efficiency and cost control in the underwriting process. It is a critical benchmark for assessing the segment's ability to generate profit from its core insurance operations.