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Dec 31, 2025
Hamilton Insurance Group Ltd Q4 2025 Earnings Report
Hamilton Insurance Group Ltd reported strong fourth quarter 2025 results with significant growth in net income and underwriting profitability compared to the prior year period.
Key Takeaways
For Q4 2025, Hamilton reported net income attributable to common shareholders of 172185000, up from 33920000 in the prior year period, driven by higher underwriting income and investment gains. Gross premiums written increased to 668968000, while the combined ratio improved to 87.0%.
Net income attributable to common shareholders rose to 172185000 from 33920000 year over year.
Gross premiums written increased 23.0% to 668968000.
Underwriting income improved to 75536000 compared to 22444000 in Q4 2024.
Combined ratio improved to 87.0% from 95.4% in the prior year quarter.
Revenue by Segment
Forward Guidance
The company highlighted confidence in navigating a transitioning market environment from a position of strength, supported by strong underwriting performance and capital position.
Positive Outlook
- Strong underwriting profitability with a combined ratio of 87.0%.
- Significant growth in book value per share year over year.
- Robust gross premium growth across Bermuda and International segments.
- Solid investment income contribution during the quarter.
- Declared a special dividend of 2.00 per common share.
Challenges Ahead
- Exposure to catastrophe losses including California wildfires and hailstorms.
- Potential volatility from investment market fluctuations.
- Foreign exchange exposure impacting earnings.
- Competitive and cyclical insurance market conditions.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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