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GBDC vs HG

GBDC
Golub Capital BDC, Inc.
BEARISH
Price
$12.58
Market Cap
$3.31B
Sector
Financial Services
AI Confidence
85%
HG
Hamilton Insurance Group, Ltd.
BULLISH
Price
$32.50
Market Cap
$3.23B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
GBDC
10.06
HG
5.86
Forward P/E
GBDC
9.71
HG
6.8
P/B Ratio
GBDC
0.85
HG
1.14
P/S Ratio
GBDC
3.86
HG
1.11
EV/EBITDA
GBDC
--
HG
2.44

Profitability

Gross Margin
GBDC
100.0%
HG
39.35%
Operating Margin
GBDC
78.29%
HG
26.88%
Profit Margin
GBDC
38.57%
HG
19.81%
ROE
GBDC
8.34%
HG
32.62%
ROA
GBDC
4.7%
HG
6.12%

Growth

Revenue Growth
GBDC
-6.2%
HG
29.4%
Earnings Growth
GBDC
-41.2%
HG
433.3%

Financial Health

Debt/Equity
GBDC
1.25
HG
0.06
Current Ratio
GBDC
2.4
HG
2.01
Quick Ratio
GBDC
1.64
HG
1.15

Dividends

Dividend Yield
GBDC
11.92%
HG
--
Payout Ratio
GBDC
124.8%
HG
0.0%

AI Verdict

GBDC BEARISH

GBDC presents as a classic value trap, characterized by a stable Piotroski F-Score of 4/9 but severely compromised by fundamental decay. While the stock trades at a discount to book value (P/B 0.85) and below its Graham Number ($20.43), these metrics are offset by a catastrophic earnings collapse (-41.20% YoY) and an unsustainable dividend payout ratio of 124.80%. The technical trend is completely bearish (0/100), and the company has failed to beat earnings estimates in the last four consecutive quarters, suggesting a systemic decline in portfolio performance.

Strengths
Trading at a discount to book value (P/B 0.85)
Strong operating margins (78.29%)
High current ratio (2.40) indicating short-term liquidity
Risks
Unsustainable payout ratio (124.80%) indicating dividend is not covered by earnings
Severe earnings contraction (-41.20% YoY)
Negative revenue growth (-6.20% YoY and -38.36% Q/Q)
HG BULLISH

HG exhibits a stable Piotroski F-Score of 4/9 and is significantly undervalued relative to its Graham Number ($59.65) and Intrinsic Value ($163.72). The company is delivering explosive earnings growth (433% YoY) and maintains a superior ROE of 32.62%, far outpacing sector averages. While the technical trend is currently bearish (10/100), the fundamental disconnect between the low P/E (5.86) and high growth suggests a strong value opportunity. The balance sheet is exceptionally clean with a Debt/Equity ratio of 0.06.

Strengths
Explosive earnings growth (433.30% YoY) and consistent EPS beats
Extremely low valuation (P/E 5.86) relative to sector average (37.31)
High profitability with an ROE of 32.62%
Risks
Strongly bearish technical trend (10/100) suggesting short-term price pressure
Lack of dividend payments for income-focused investors
High volatility inherent in the reinsurance industry

Compare Another Pair

GBDC vs HG: Head-to-Head Comparison

This page compares Golub Capital BDC, Inc. (GBDC) and Hamilton Insurance Group, Ltd. (HG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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