Hamilton Insurance Group, Ltd. (HG)vsRoyal Bank of Canada (RY)
HG
Hamilton Insurance Group, Ltd.
$30.49
+4.70%
FINANCIAL SERVICES · Cap: $3.17B
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2170% more annual revenue ($65.72B vs $2.89B). RY leads profitability with a 33.7% profit margin vs 21.7%. HG trades at a lower P/E of 5.2x. HG earns a higher WallStSmart Score of 71/100 (B).
HG
Strong Buy71
out of 100
Grade: B
RY
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 70.1% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 23 in profit
Keeps 22 of every $100 in revenue as profit
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 37.3B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
Revenue declined 2.2%
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HG
The strongest argument for HG centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 21.7% and operating margin at 29.1%.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : HG
The primary concerns for HG are Revenue Growth, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
HG profiles as a declining stock while RY is a growth play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
HG scores higher overall (71/100 vs 70/100), backed by strong 21.7% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hamilton Insurance Group, Ltd.
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Hamilton Insurance Group, Ltd., engages in underwriting specialty insurance and reinsurance risks in Bermuda and internationally. The company is headquartered in Pembroke, Bermuda with additional locations in Dublin, Ireland; London, United Kingdom; Miami, Florida; New York, New York; and Glen Allen, Virginia.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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