Discounted Cash Flow

Hamilton Insurance Group, Ltd.

HG · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $540.8b $23.8b $89.0b 4.4% $0.66
2017 $643.4b (19.0%) $41.7b (74.8%) $200.9b (125.8%) 6.5% (46.9%) $1.13 (71.2%)
2018 $627.4b (-2.5%) $13.9b (-66.6%) $13.9b (-93.1%) 2.2% (-65.7%) $0.39 (-65.5%)
2019 $729.5b (16.3%) $-351.5k (-100.0%) $-71.8m (-100.5%) -0.0% (-100.0%) $-0.00 (-100.3%)
2020 $805.0b (10.4%) $-627.9k (-78.6%) $-57.0m (20.7%) -0.0% (-61.8%) $-0.00 (0.0%)
2021 $1.3b (-99.8%) $61.7m (9920.5%) $-114.5m (-101.0%) 4.6% (5928693.6%) $1.83 (183100.0%)
2022 $1.2b (-7.5%) $68.1m (10.4%) $-172.1m (-50.3%) 5.5% (19.4%) $-0.95 (-151.9%)
2023 $1.6b (27.4%) $21.6m (-68.3%) $21.6m (112.5%) 1.4% (-75.1%) $2.47 (360.0%)
2024 $2.3b (48.3%) $212.7m (886.7%) $759.3m (3421.8%) 9.1% (565.3%) $3.81 (54.3%)
2025 $2.9b (24.7%) $263.4m (23.8%) $842.4m (10.9%) 9.1% (-0.7%) $5.75 (50.9%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Values abbreviated: b = billions, m = millions, k = thousands.

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model