Latest news with #HG
Bloomberg
5 days ago
- Business
- Bloomberg
Indonesia Names Two Lawmakers as First Suspects in BI Graft Case
The Indonesian anti-graft agency has identified two lawmakers as the first suspects in an alleged corruption case involving the central bank and the country's financial services regulator. The agency in a media briefing late Thursday identified lawmakers with the initials HG and ST as suspects in a case related to the use of corporate social responsibility funds from Bank Indonesia and the Financial Services Authority. Both lawmakers served on the parliament's finance commission from 2019 to 2024, the agency said.
Scotsman
5 days ago
- Health
- Scotsman
Tragic loss inspires fundraiser for Pregnancy Sickness Support
A determined fundraiser is set to take on The Edinburgh Kiltwalk's Mighty Stride in aid of Pregnancy Sickness Support, a charity dedicated to helping those suffering from severe pregnancy sickness and hyperemesis gravidarum. The challenge, scheduled for the 14th of September 2025, aims to raise vital funds and awareness for those experiencing debilitating sickness during pregnancy. Sign up to our daily newsletter Sign up Thank you for signing up! Did you know with a Digital Subscription to Edinburgh News, you can get unlimited access to the website including our premium content, as well as benefiting from fewer ads, loyalty rewards and much more. Learn More Sorry, there seem to be some issues. Please try again later. Submitting... 'HG is not just morning sickness. It is a misunderstood and under-recognised condition that leaves sufferers fighting not only for care but often for their lives. Many healthcare professionals have little or no training in HG, and as a result, too many women are left to advocate for themselves while being critically unwell. I know this all too well. Having had three HG pregnancies and losing all three to this devastating condition. Advertisement Hide Ad Advertisement Hide Ad During my pregnancies I was bedbound, vomiting over 50 times a day, and completely unable to eat or drink. Oral medications wouldn't stay down, and I was repeatedly hospitalised, often for weeks at a time. I was given five intramuscular injections every day just to try to manage the relentless nausea. These injections left me black and blue with bruises, and often in so much pain that I couldn't sit down without crying. I was also on the maximum dose of IV steroids, just to keep me stable. Every time I was discharged and sent home with oral medication, I would rapidly deteriorate, and within 24 hours I was usually back in hospital, severely dehydrated, too weak to stand, and uncontrollably vomiting. Lauren, alongside her fundraiser, is giving back to the charity that saved her life by volunteering as a peer supporter, supporting others facing HG. This condition didn't just affect me, it also devastated my partner, Kieran. He watched helplessly as I suffered, often having to carry me to the car, help me shower, he would wash and dry my hair, and do basic things I couldn't manage alone. We were terrified. We genuinely both thought I was going to die.' Lauren went on to receive peer support through Pregnancy Sickness Support, a person who had been through HG herself. 'I could text her whenever I needed, and she truly understood what I was going through. After my pregnancy ended, the charity provided me with counselling sessions, which I hand on heart believe saved my life. At a time when I felt completely isolated, suicidal, and heartbroken, those sessions gave me hope and a path forward. My counsellor was so patient with me, she let me sit in silence, she let me cry, she just let me be what I needed to be in that moment, and after eight weeks I began to see a light at the end of the tunnel.' Unfortunately, Lauren's story isn't an isolated incident. "Pregnancy sickness is often misunderstood, and we hear from sufferers every day, almost 3000 in 2024, reporting similar experiences. We hope this challenge will not only raise much-needed funds but also increase awareness of the impact it has on those affected"said Jasmine Ross, Support & Fundraising Coordinator at Pregnancy Sickness Support. Advertisement Hide Ad Advertisement Hide Ad Lauren hopes to raise £1000 through donations and sponsorships, all of which will go directly to Pregnancy Sickness Support to aid their crucial work. This sum could provide 3 HG sufferers with the specialist counselling Lauren received in the weeks after her pregnancy.
Edinburgh Reporter
5 days ago
- Health
- Edinburgh Reporter
Fundraiser inspired by personal loss
A determined fundraiser is set to take on The Edinburgh Kiltwalk's Mighty Stride in aid of Pregnancy Sickness Support, a charity dedicated to helping those suffering from severe pregnancy sickness and hyperemesis gravidarum. The challenge, scheduled for the 14th of September 2025, aims to raise vital funds and awareness for those experiencing debilitating sickness during pregnancy. Pregnancy Sickness Support provides essential services, including a helpline, peer support network, and medical guidance for those suffering from hyperemesis gravidarum (HG), a condition that affects around 1-3% of pregnant women and can lead to severe dehydration, weight loss, and hospitalisation. Lauren said: 'HG is not just morning sickness. It is a misunderstood and under-recognised condition that leaves sufferers fighting not only for care but often for their lives. Many healthcare professionals have little or no training in HG, and as a result, too many women are left to advocate for themselves while being critically unwell. 'I know this all too well. Having had three HG pregnancies and losing all three to this devastating condition. 'During my pregnancies I was bedbound, vomiting over 50 times a day, and completely unable to eat or drink. Oral medications wouldn't stay down, and I was repeatedly hospitalised, often for weeks at a time. I was given five intramuscular injections every day just to try to manage the relentless nausea. These injections left me black and blue with bruises, and often in so much pain that I couldn't sit down without crying. I was also on the maximum dose of IV steroids, just to keep me stable. Every time I was discharged and sent home with oral medication, I would rapidly deteriorate, and within 24 hours I was usually back in hospital, severely dehydrated, too weak to stand, and uncontrollably vomiting. 'This condition didn't just affect me, it also devastated my partner, Kieran. He watched helplessly as I suffered, often having to carry me to the car, help me shower, he would wash and dry my hair, and do basic things I couldn't manage alone. We were terrified. We genuinely both thought I was going to die.' Lauren went on to receive peer support through Pregnancy Sickness Support, from someone who had been through HG herself. 'I could text her whenever I needed, and she truly understood what I was going through. After my pregnancy ended, the charity provided me with counselling sessions, which I hand on heart believe saved my life. At a time when I felt completely isolated, suicidal, and heartbroken, those sessions gave me hope and a path forward. My counsellor was so patient with me, she let me sit in silence, she let me cry, she just let me be what I needed to be in that moment, and after eight weeks I began to see a light at the end of the tunnel.' Unfortunately, Lauren explains hers is not an uncommon story. Jasmine Ross, Support and Fundraising Coordinator at Pregnancy Sickness Support. 'Pregnancy sickness is often misunderstood, and we hear from sufferers every day, almost 3000 in 2024, reporting similar experiences. We hope this challenge will not only raise much-needed funds but also increase awareness of the impact it has on those affected.' Lauren hopes to raise £1,000 through donations and sponsorships, all of which will go directly to Pregnancy Sickness Support to aid their crucial work. This sum could provide three HG sufferers with the specialist counselling Lauren received in the weeks after her pregnancy. Supporters can donate or learn more about the challenge by visiting: Pregnancy Sickness Support: Lauren's Fundraiser – Help Me Support Women Suffering from Hyperemesis Gravidarum Like this: Like Related
Globe and Mail
6 days ago
- Business
- Globe and Mail
Hamilton (HG) Q2 EPS Jumps 46%
Key Points EPS (non-GAAP) of $1.55 far exceeded analyst estimates of $1.06, representing a 46.2% non-GAAP beat. The company's combined ratio increased to 86.8%, reflecting a slight uptick in loss and acquisition costs as Hamilton further leans into casualty and reinsurance lines. These 10 stocks could mint the next wave of millionaires › Hamilton Insurance Group (NYSE:HG), a specialty insurer and reinsurer with a focus on data-driven underwriting and diversified investments, delivered its second quarter 2025 results on August 6, 2025. The most important news was a significant earnings beat, with Non-GAAP earnings per share (EPS) coming in at $1.55, far above the $1.06 analyst consensus (non-GAAP), exceeding the $709.25 million GAAP revenue estimate and marking strong growth from the $603.3 million in gross premiums written posted in Q2 2024. Although underwriting income and growth momentum were robust, the company's combined ratio increased to 86.8% compared to 84.4% in Q2 2024, signaling a shift in the business mix and an uptick in certain expense ratios. Overall, Hamilton posted strong top- and bottom-line growth, with EPS and book value advancing on the back of both core insurance and investment results. Metric Q2 2025 Q2 2025 Estimate Q2 2024 Y/Y Change EPS (Non-GAAP) $1.55 $1.06 $1.24 25.0% EPS (GAAP) $1.79 N/A N/A Revenue (GAAP) $740.8 million N/A $587.9 million 26.0% Operating Return on Average Equity (Non-GAAP) 26.1% 24.4% 1.7 pp Combined Ratio (GAAP) 86.8% 84.4% 2.4 pp Source: Analyst estimates for the quarter provided by FactSet. Company Overview and Key Success Factors Hamilton Insurance Group is recognized for its global specialty insurance and reinsurance operations. Its business spans two primary platforms: International and Bermuda, offering products such as property, casualty, and specialty insurance, as well as reinsurance solutions in core global markets. The company leverages proprietary technology like the Hamilton Analytics and Risk Platform (HARP) for improved risk modeling and decision making. This enables precise pricing, strong risk selection, and efficiency, all of which drive profitability. Recent focus areas for Hamilton include enhancing its competitive edge in underwriting through disciplined risk selection, deepening technology integration, and maintaining a diversified investment strategy anchored by its partnership with the Two Sigma Hamilton Fund. The company's success hinges on its ability to balance rapid premium growth with prudent risk control, using technology and data analytics to adapt its business mix in the face of evolving market trends, regulatory environments, and emerging industry risks. Quarterly Highlights and Segment Performance For the quarter, Hamilton reported operating EPS of $1.55, which was 46.2% ahead of analyst expectations for non-GAAP EPS with top-line gains seen across both the International and Bermuda segments. The company's annualized return on average equity reached 30.2%, an improvement of 6.6 percentage points from the prior year period, reflecting strong profitability and capital management. Gross premiums written (GAAP) increased to $712.0 million, up 18% from the related period last year. The International Segment contributed $344.8 million in gross premiums written, a 10.6% increase while the Bermuda Segment grew faster, adding $367.2 million in gross premiums written, up 25.9%. Net premiums earned (GAAP) rose 22.1% overall, supported by new casualty and specialty reinsurance business, especially in Bermuda. The International Segment posted net premiums earned of $253.2 million and delivered an underwriting income of $27.1 million. The combined ratio—a key insurance industry measure that compares claims and expenses to premiums, with numbers below 100% typically indicating underwriting profitability—improved to 89.3% from 91.0% in Q2 2024. Conversely, Bermuda's underwriting income was $40.3 million, with its combined ratio increasing to 84.3%. The Bermuda result reflected more exposure to casualty reinsurance, which drove an increase in both loss and acquisition expense ratios. Across the company, the consolidated combined ratio edged up to 86.8%, compared to 84.4% in Q2 2024, pointing to the impact of business mix changes and a modest rise in underlying costs. Investment income continued to play a crucial role in boosting bottom-line results. Net investment income came in at $148.7 million, with the Two Sigma Hamilton Fund delivering $87.1 million and traditional fixed income, short-term, and cash investments adding $61.6 million. This performance reflects effective diversification and continued momentum in both managed and market-based investment assets. Share buybacks also featured, with $35.0 million of shares repurchased. Look Ahead and Management Guidance Hamilton management did not provide updated or explicit quantitative financial guidance for the next quarter or for the remaining fiscal year. The leadership affirmed a focus on maintaining double-digit top-line growth and continuing share repurchases if capital conditions permit, but did not release clear targets for EPS or revenue. Recent trends suggest that investors should monitor shifts in Hamilton's loss and acquisition cost ratios, especially as business grows in higher-risk areas such as casualty and specialty reinsurance. Increased catastrophe losses in Q1 2025 and changes in business mix create potential for volatility in future quarters. HG does not currently pay a dividend. Revenue and net income presented using U.S. generally accepted accounting principles (GAAP) unless otherwise noted. Where to invest $1,000 right now When our analyst team has a stock tip, it can pay to listen. After all, Stock Advisor's total average return is 1,026%* — a market-crushing outperformance compared to 180% for the S&P 500. They just revealed what they believe are the 10 best stocks for investors to buy right now, available when you join Stock Advisor. *Stock Advisor returns as of August 4, 2025
Yahoo
6 days ago
- Business
- Yahoo
Hamilton Insurance Group (NYSE:HG) Reports Strong Q2
Specialty insurance company Hamilton Insurance Group (NYSE:HG) reported Q2 CY2025 results exceeding the market's revenue expectations , with sales up 26% year on year to $740.8 million. Its GAAP profit of $1.79 per share was significantly above analysts' consensus estimates. Is now the time to buy Hamilton Insurance Group? Find out in our full research report. Hamilton Insurance Group (HG) Q2 CY2025 Highlights: Net Premiums Earned: $511.2 million vs analyst estimates of $514.5 million (22.1% year-on-year growth, 0.6% miss) Revenue: $740.8 million vs analyst estimates of $606.7 million (26% year-on-year growth, 22.1% beat) Combined Ratio: 86.8% vs analyst estimates of 89.6% (2.8 percentage point beat) EPS (GAAP): $1.79 vs analyst estimates of $0.83 (significant beat) Market Capitalization: $2.19 billion PEMBROKE, Bermuda--(BUSINESS WIRE)--Hamilton Insurance Group, Ltd. (NYSE: HG; 'Hamilton' or the 'Company') today announced financial results for the second quarter ended June 30, 2025. Company Overview Founded in 2013 and operating through three distinct underwriting platforms across four countries, Hamilton Insurance Group (NYSE:HG) operates global specialty insurance and reinsurance platforms across Lloyd's, Ireland, Bermuda, and the United States. Revenue Growth Insurance companies earn revenue from three primary sources: The core insurance business itself, often called underwriting and represented in the income statement as premiums Income from investing the 'float' (premiums collected upfront not yet paid out as claims) in assets such as fixed-income assets and equities Fees from various sources such as policy administration, annuities, or other value-added services Hamilton Insurance Group's annualized revenue growth rate of 49.7% over the last two years was incredible for an insurance business. This quarter, Hamilton Insurance Group reported robust year-on-year revenue growth of 26%, and its $740.8 million of revenue topped Wall Street estimates by 22.1%. Net premiums earned made up 78.4% of the company's total revenue during the last four years, meaning insurance operations are Hamilton Insurance Group's largest source of revenue. While insurers generate revenue from multiple sources, investors view net premiums earned as the cornerstone - its direct link to core operations stands in sharp contrast to the unpredictability of investment returns and fees. Here at StockStory, we certainly understand the potential of thematic investing. Diverse winners from Microsoft (MSFT) to Alphabet (GOOG), Coca-Cola (KO) to Monster Beverage (MNST) could all have been identified as promising growth stories with a megatrend driving the growth. So, in that spirit, we've identified a relatively under-the-radar profitable growth stock benefiting from the rise of AI, available to you FREE via this link. Book Value Per Share (BVPS) Insurers are balance sheet businesses, collecting premiums upfront and paying out claims over time. Premiums collected but not yet paid out, often referred to as the float, are invested and create an asset base supported by a liability structure. Book value per share (BVPS) captures this dynamic by measuring these assets (investment portfolio, cash, reinsurance recoverables) less liabilities (claim reserves, debt, future policy benefits). BVPS is essentially the residual value for shareholders. We therefore consider BVPS very important to track for insurers and a metric that sheds light on business quality. While other (and more commonly known) per-share metrics like EPS can sometimes be lumpy due to reserve releases or one-time items and can be managed or skewed while still following accounting rules, BVPS reflects long-term capital growth and is harder to manipulate. To investors' benefit, Hamilton Insurance Group's BVPS grew at an exceptional 22.8% annual clip over the last two years. Key Takeaways from Hamilton Insurance Group's Q2 Results We were impressed by how significantly Hamilton Insurance Group blew past analysts' EPS expectations this quarter. We were also excited its revenue outperformed Wall Street's estimates by a wide margin. On the other hand, its net premiums earned slightly missed. Zooming out, we think this quarter featured some important positives. The stock traded up 3.3% to $22.25 immediately after reporting. Hamilton Insurance Group had an encouraging quarter, but one earnings result doesn't necessarily make the stock a buy. Let's see if this is a good investment. We think that the latest quarter is just one piece of the longer-term business quality puzzle. Quality, when combined with valuation, can help determine if the stock is a buy. We cover that in our actionable full research report which you can read here, it's free. Sign in to access your portfolio
