What does international - specialty — 3 mean?

This metric represents the underwriting expense ratio for the International Specialty segment, measuring the cost of acquiring and administering policies relative to net earned premiums. It reflects the operational efficiency of the segment's underwriting platform. Lower ratios indicate a more cost-effective operation and better management of overheads.

Hamilton Insurance Group, Ltd. HG International - Specialty — 3

Other product segments

International - Property

19%0.0%

Bermuda - Specialty

14%0.0%

Bermuda - Property

13%0.0%

International - Casualty

13%+8.3%

Bermuda - Casualty

12%+9.1%

Similar metrics at other companies

CNAInternational — Insurance related administrative expenses

$43M+7.5%

ALH

ALHInternational — Other segment items

$9.8M-1.4%

CRIInternational — Other segment items

$7.99M+4.3%

PZZAInternational — Other segment expenses

$5.14M+0.8%

CLXInternational — Other segment items

$72M+2.9%

LWInternational — Other segment items

$511.3M+16.2%

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 →

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Questions, answered.

What is Hamilton Insurance Group, Ltd.'s international - specialty — 3?: Hamilton Insurance Group, Ltd. (HG) reported international - specialty — 3 of 23% in Q4 2025.
What does international - specialty — 3 mean?: This metric represents the underwriting expense ratio for the International Specialty segment, measuring the cost of acquiring and administering policies relative to net earned premiums. It reflects the operational efficiency of the segment's underwriting platform. Lower ratios indicate a more cost-effective operation and better management of overheads.