HG

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Hamilton Reports 2026 Third Quarter Results

Net Income of $81 million; Annualized Return on Average Equity of 11%

Operating Income of $180 million; Annualized Operating Return on Average Equity of 25%

PEMBROKE, Bermuda, October 29, 2026 – Hamilton Insurance Group, Ltd. (NYSE: HG; “Hamilton” or the “Company”) today announced financial results for the third quarter ended September 30, 2026.

Commenting on the results, Pina Albo, CEO of Hamilton, said:

“Hamilton delivered exceptional third quarter results, with operating income of $180 million, representing an annualized operating return on average equity of 25%. Gross premiums written increased 17%, reflecting our ability to find attractive opportunities that contribute to the bottom line.

Despite a transitioning market and ongoing geopolitical tensions, Hamilton continues to deliver consistent performance, reflecting the benefits of our diversified platform and our team's ability to navigate the current dynamic market conditions.”

Consolidated Highlights – Third Quarter

•Net income of $81.5 million, or $0.81 per diluted share and operating income of $179.9 million, or $1.78 per diluted share;

•Annualized return on average equity of 11.3% and annualized operating return on average equity of 24.9%;

•Gross premiums written of $819.7 million, an increase of 17.3% compared to the third quarter of 2025;

•Net premiums earned of $591.3 million, an increase of 13.1% compared to the third quarter of 2025;

•Combined ratio of 97.3%;

•Underwriting income of $15.5 million;

•Net investment income of $88.4 million, comprised of Two Sigma Hamilton Fund returns of $144.7 million, and a fixed income, short term and cash and cash equivalents loss of $56.3 million; and

•Repurchased common shares of $3.1 million in the third quarter of 2026.

Consolidated Highlights – Year to Date

•Net income of $358.8 million, or $3.54 per diluted share and operating income of $504.9 million, or $4.98 per diluted share;

•Annualized return on average equity of 16.6% and annualized operating return on average equity of 23.4%;

•Gross premiums written of $2.6 billion, an increase of 14.9% compared to the same period in 2025;

•Net premiums earned of $1.7 billion, an increase of 14.0% compared to the same period in 2025;

•Combined ratio of 94.1%;

•Underwriting income of $102.2 million;

•Net investment income of $323.3 million, comprised of Two Sigma Hamilton Fund returns of $353.2 million, and a fixed income, short term and cash and cash equivalents loss of $29.9 million;

•On February 18, 2026, the Company’s Board of Directors declared a special dividend of $2.00 per share, or $205.8 million. The dividend was paid on March 30, 2026, to common shareholders of record as of March 6, 2026;

•Book value per share of $29.80, an increase of 4.6% compared to December 31, 2025;

•Book value per common share plus accumulated dividends of $31.80, an increase of 11.6% compared to December 31, 2025; and

•Repurchased common shares of $44.9 million in 2026.

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Consolidated Results – Third Quarter

For the Three Months Ended

($ in thousands, except for per share amounts and percentages)September 30, 2026September 30, 2025Change

Gross premiums written$819,702$698,845$120,857

Net premiums written626,722578,98147,741

Net premiums earned591,274522,99968,275

Underwriting income (loss)$15,527$64,089$(48,562)

Combined ratio97.3%87.8%9.5 pts

Net income (loss) attributable to common shareholders$81,456$136,200$(54,744)

Income (loss) per share attributable to common shareholders - diluted$0.81$1.32

Book value per common share$29.80$27.06

Accumulated dividends$2.00$—

Book value per common share plus accumulated dividends$31.80$27.06

Return on average common equity - annualized11.3%20.9%

For the Three Months Ended

Key RatiosSeptember 30, 2026September 30, 2025Change

Attritional loss ratio - current year57.5%55.4%2.1 pts

Attritional loss ratio - prior year(4.6%)(2.1%)(2.5 pts)

Catastrophe loss ratio - current year1.1%0.0%1.1 pts

Catastrophe loss ratio - prior year8.0%0.0%8.0 pts

Loss and loss adjustment expense ratio62.0%53.3%8.7 pts

Acquisition cost ratio25.5%24.0%1.5 pts

Other underwriting expense ratio9.8%10.5%(0.7 pts)

Combined ratio97.3%87.8%9.5 pts

•Gross premiums written increased by $120.9 million, or 17.3%, to $819.7 million, with an increase of $76.4 million, or 20.1%, in the International Segment, and $44.5 million, or 13.9%, in the Bermuda Segment.

•Net premiums written increased by $47.7 million, or 8.2%, to $626.7 million, with an increase of $44.8 million, or 14.7%, in the International Segment, and $2.9 million, or 1.1%, in the Bermuda Segment.

•Net premiums earned increased by $68.3 million, or 13.1%, to $591.3 million, with an increase of $57.0 million, or 22.6%, in the International Segment, and $11.3 million, or 4.2%, in the Bermuda Segment.

•The attritional loss ratio (current year), net of reinsurance, wa

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Hamilton Reports 2026 First Quarter Results

Net Income of $134 million; Annualized Return on Average Equity of 19%

Operating Income of $167 million; Operating Return on Average Equity of 24%

PEMBROKE, Bermuda, April 30, 2026 – Hamilton Insurance Group, Ltd. (NYSE: HG; “Hamilton” or the “Company”) today announced financial results for the first quarter ended March 31, 2026.

Commenting on the results, Pina Albo, CEO of Hamilton, said:

“Hamilton reported strong first quarter 2026 results, generating net income of $134 million and operating income of $167 million, an annualized return on average equity of 19% and operating return on average equity of 24%. This was supported by a 89.8% combined ratio and strong investment income. Gross premiums written increased 11% year over year as the company maintained underwriting discipline, writing business that met return thresholds and stepping away where that was not the case.

In a more complex and volatile environment and amid competitive market conditions, Hamilton emphasized continued focus on margin quality and prudent capital deployment to support sustainable profitability."

Consolidated Highlights – First Quarter

•Net income of $133.5 million, or $1.31 per diluted share and operating income of $166.7 million, or $1.64 per diluted share;

•Annualized return on average equity of 19.3% and annualized operating return on average equity of 24.1%;

•Gross premiums written of $940.1 million, an increase of 11.5% compared to the first quarter of 2025;

•Net premiums earned of $570.5 million, an increase of 14.3% compared to the first quarter of 2025;

•Combined ratio of 89.8%;

•Underwriting income of $57.6 million;

•Net investment income of $93.6 million, comprised of Two Sigma Hamilton Fund returns of $93.1 million, and fixed income, short term and cash and cash equivalents returns of $0.5 million;

•On February 18, 2026, the Company’s Board of Directors declared a special dividend of $2.00 per share, or $205.8 million. The dividend was paid on March 30, 2026, to common shareholders of record as of March 6, 2026;

•Book value per share of $27.42, a decrease of 3.8% compared to December 31, 2025;

•Book value per share plus accumulated dividends, of $29.42, an increase of 3.2% compared to December 31, 2025; and

•Repurchased common shares of $19.7 million in the first quarter of 2026.

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Consolidated Results – First Quarter

For the Three Months Ended

($ in thousands, except for per share amounts and percentages)March 31, 2026March 31, 2025Change

Gross premiums written$940,110$843,306$96,804

Net premiums written653,659603,87549,784

Net premiums earned570,515498,92871,587

Underwriting income (loss)$57,581$(58,259)$115,840

Combined ratio89.8%111.6%(21.8 pts)

Net income (loss) attributable to common shareholders$133,538$80,872$52,666

Income (loss) per share attributable to common shareholders - diluted$1.31$0.77

Book value per common share$27.42$23.59

Accumulated dividends$2.00$—

Book value per common share plus accumulated dividends$29.42$23.59

Change in book value per common share plus accumulated dividends3.2%2.8%

Return on average common equity - annualized19.3%13.7%

For the Three Months Ended

Key RatiosMarch 31, 2026March 31, 2025Change

Attritional loss ratio - current year54.5%51.9%2.6 pts

Attritional loss ratio - prior year2.4%(2.9%)5.3 pts

Catastrophe loss ratio - current year0.0%32.0%(32.0 pts)

Catastrophe loss ratio - prior year0.0%(1.8%)1.8 pts

Loss and loss adjustment expense ratio56.9%79.2%(22.3 pts)

Acquisition cost ratio25.3%23.4%1.9 pts

Other underwriting expense ratio7.6%9.0%(1.4 pts)

Combined ratio89.8%111.6%(21.8 pts)

•Gross premiums written increased by $96.8 million, or 11.5%, to $940.1 million with an increase of $72.9 million, or 19.7%, in the International Segment, and $23.9 million, or 5.0%, in the Bermuda Segment.

•Net premiums written increased by $49.8 million, or 8.2%, to $653.7 million with an increase of $58.5 million, or 25.5%, in the International Segment, and a decrease of $8.7 million, or 2.3%, in the Bermuda Segment.

•Net premiums earned increased by $71.6 million, or 14.3%, to $570.5 million with an increase of $50.2 million, or 20.9%, in the International Segment, and $21.4 million, or 8.3%, in the Bermuda Segment.

•The attritional loss ratio (current year), net of reinsurance, was 54.5%. The increase of 2.6 points was primarily driven by a change in business mix, including an increase in casualty reinsurance and specialty insurance business.

•Net unfavorable attritional prior year reserve development, net of reinsurance, was $13.9 million, primarily driven by additional loss information in relation to the Baltimore Bridge collapse.

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•Catastrophe losses (current and prior year), net of reinsurance, were $Nil compared to $150.5 million in the same period in 2025.

•The acquisition cost ratio increased by 1.9 points compared to the same period