Hamilton Insurance Group, Ltd. (HG)vsRoyal Bank of Canada (RY)
HG
Hamilton Insurance Group, Ltd.
$34.85
-0.14%
FINANCIAL SERVICES · Cap: $3.39B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2145% more annual revenue ($67.15B vs $2.99B). RY leads profitability with a 33.9% profit margin vs 19.6%. HG trades at a lower P/E of 6.0x. HG earns a higher WallStSmart Score of 67/100 (B-).
HG
Strong Buy67
out of 100
Grade: B-
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.4%
Conservative balance sheet, low leverage
Every $100 of equity generates 23 in profit
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Earnings declined 20.7%
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : HG
The strongest argument for HG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 19.6% and operating margin at 31.4%. Revenue growth of 13.0% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : HG
The primary concerns for HG are EPS Growth, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
HG is growing revenue faster at 13.0% — sustainability is the question.
HG generates stronger free cash flow (125M), providing more financial flexibility.
Monitor INSURANCE - REINSURANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HG scores higher overall (67/100 vs 63/100), backed by strong 19.6% margins and 13.0% revenue growth. Both earn "Strong Buy" and "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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