What does international - specialty — 5 mean?

This metric represents the combined ratio for the International Specialty segment, which is the sum of the loss ratio and the expense ratio. It provides a comprehensive view of the segment's underwriting profitability, where a value below 100% indicates an underwriting profit. It is the definitive metric for assessing the overall financial health of the segment's core business operations.

Hamilton Insurance Group, Ltd. HG International - Specialty — 5

Other product segments

Bermuda - Casualty

11%-8.3%

Bermuda - Specialty

10%+25.0%

International - Casualty

8%+33.3%

International - Property

3%-40.0%

Bermuda - Property

1%—

Similar metrics at other companies

RDNSpecialty Segment Operating — Combined Ratio

85.3%—

RDNSpecialty Segment Operating — Loss Ratio

52.5%—

THGSpecialty Lines — Operating Income

$84M+30.0%

PRASpecialty P&C — Segment Profit (Loss)

-$9.13M+34.1%

ORISpecialty Insurance Group — Combined Ratio

94.8%+5.0pp

SIGInternational segment — Total segment operating income (loss)

-$6.6M+5.7%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5?: Hamilton Insurance Group, Ltd. (HG) reported international - specialty — 5 of 7% in Q4 2025.
What does international - specialty — 5 mean?: This metric represents the combined ratio for the International Specialty segment, which is the sum of the loss ratio and the expense ratio. It provides a comprehensive view of the segment's underwriting profitability, where a value below 100% indicates an underwriting profit. It is the definitive metric for assessing the overall financial health of the segment's core business operations.