What does international - specialty — 4 mean?

This metric represents the loss ratio for the International Specialty segment, calculated as incurred losses and loss adjustment expenses divided by net earned premiums. It is the primary measure of underwriting discipline and the quality of risks assumed. A lower loss ratio indicates that the segment is successfully pricing its products relative to the underlying risk.

Hamilton Insurance Group, Ltd. HG International - Specialty — 4

Other product segments

International - Casualty

16%0.0%

Bermuda - Casualty

15%-6.3%

Bermuda - Specialty

13%0.0%

International - Property

11%-8.3%

Bermuda - Property

10%-9.1%

Similar metrics at other companies

RDNSpecialty Segment Operating — Loss Ratio

52.5%—

AIGInternational Commercial — Losses and Loss Expenses Incurred

$1.2B+7.1%

THGSpecialty Lines — Underwriting Income Loss

$56.1M+36.2%

THGSpecialty Lines — Operating Income

$84M+30.0%

ACGLSpecialty — Incurred losses and allocated loss adjustment expenses, net of reinsurance

856,400,000,000%+686,800,000,000pp

WTMSpecialty — 8

1.8%0.0pp

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: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 international - specialty — 4?: Hamilton Insurance Group, Ltd. (HG) reported international - specialty — 4 of 14% in Q4 2025.
What does international - specialty — 4 mean?: This metric represents the loss ratio for the International Specialty segment, calculated as incurred losses and loss adjustment expenses divided by net earned premiums. It is the primary measure of underwriting discipline and the quality of risks assumed. A lower loss ratio indicates that the segment is successfully pricing its products relative to the underlying risk.