(HIG) Hartford Financial - NYSE
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: NYSE (USA) | Market Cap: 35.917m USD | Total Return: 3.5% in 12m
Avg Turnover: 236M
EPS Trend: 96.5%
Qual. Beats: -1
Rev. Trend: 99.9%
Qual. Beats: -1
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
The Hartford Financial Services Group (HIG) is a multi-line insurance and investment entity providing property and casualty coverage, group benefits, and mutual fund management. Founded in 1810, the company operates through a diversified distribution network including independent agents, brokers, and financial advisors across domestic and international markets.
The business model relies on underwriting income and investment returns from its premium float, a standard practice for diversified insurers to offset cyclical claims volatility. As a multi-line provider, HIG mitigates risk by balancing commercial lines, such as workers compensation and professional liability, with personal lines like homeowners and automotive insurance.
Investors should review ValueRay for a deeper look into the companys valuation metrics.
- Commercial lines pricing power and renewal rates drive underwriting margin expansion
- Elevated catastrophe losses and climate volatility impact property and casualty profitability
- Net investment income fluctuates based on interest rate cycles and bond yields
- Group benefits segment performance depends on employment levels and disability claim trends
- Personal auto loss cost inflation pressures margins despite proactive premium rate hikes
| Net Income: 4.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 1.23 > 1.0 |
| NWC/Revenue: 36.53% < 20% (prev 34.63%; Δ 1.90% < -1%) |
| CFO/TA 0.07 > 3% & CFO 5.98b > Net Income 4.06b |
| Net Debt (-17.0m) to EBITDA (5.64b): -0.00 < 3 |
| Current Ratio: 18.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (282.6m) vs 12m ago -2.82% < -2% |
| Gross Margin: 47.02% > 18% (prev 21.72%; Δ 25.30% > 0.5%) |
| Asset Turnover: 34.11% > 50% (prev 32.55%; Δ 1.55% > 0%) |
| Interest Coverage Ratio: 26.30 > 6 (EBIT TTM 5.23b / Interest Expense TTM 199.0m) |
| A: 0.12 (Total Current Assets 11.1b - Total Current Liabilities 612.0m) / Total Assets 86.3b |
| B: 0.29 (Retained Earnings 25.4b / Total Assets 86.3b) |
| C: 0.06 (EBIT TTM 5.23b / Avg Total Assets 84.3b) |
| D: 0.28 (Book Value of Equity 18.9b / Total Liabilities 67.4b) |
| Altman-Z'' = 2.47 = A |
| DSRI: 0.98 (Receivables 6.73b/6.39b, Revenue 28.8b/26.8b) |
| GMI: 0.46 (GM 21.72% / 47.02%) |
| AQI: 0.99 (AQ_t 0.86 / AQ_t-1 0.87) |
| SGI: 1.07 (Revenue 28.8b / 26.8b) |
| TATA: -0.02 (NI 4.06b - CFO 5.98b) / TA 86.3b) |
| Beneish M = -3.48 (Cap -4..+1) = AA |
As of June 20, 2026, the stock is trading at USD 128.25 with a total of 3,929,200 shares traded.
Over the past week, the price has changed by -0.12%,
over one month by -4.56%,
over three months by -1.90% and
over the past year by +3.47%.
Hartford Financial has received a consensus analysts rating of 3.74. Therefore, it is recommended to hold HIG.
- StrongBuy: 4
- Buy: 6
- Hold: 9
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 147.7 | 15.1% |
P/E Trailing = 9.2138
P/E Forward = 9.6525
P/S = 1.2475
P/B = 1.918
P/EG = 0.1186
Revenue TTM = 28.8b USD
EBIT TTM = 5.23b USD
EBITDA TTM = 5.64b USD
Long Term Debt = 4.37b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 4.37b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -17.0m USD (calculated: Debt 4.37b - CCE 4.39b)
Enterprise Value = 35.9b USD (35.9b + Debt 4.37b - CCE 4.39b)
Interest Coverage Ratio = 26.30 (Ebit TTM 5.23b / Interest Expense TTM 199.0m)
EV/FCF = 8.25x (Enterprise Value 35.9b / FCF TTM 4.35b)
FCF Yield = 12.13% (FCF TTM 4.35b / Enterprise Value 35.9b)
FCF Margin = 15.14% (FCF TTM 4.35b / Revenue TTM 28.8b)
Net Margin = 14.13% (Net Income TTM 4.06b / Revenue TTM 28.8b)
Gross Margin = 47.02% ((Revenue TTM 28.8b - Cost of Revenue TTM 15.2b) / Revenue TTM)
Gross Margin QoQ = 44.67% (prev 48.95%)
Tobins Q-Ratio = 0.42 (Enterprise Value 35.9b / Total Assets 86.3b)
Interest Expense / Debt = 4.55% (Interest Expense 199.0m / Debt 4.37b)
Taxrate = 19.31% (972.0m / 5.03b)
NOPAT = 4.22b (EBIT 5.23b * (1 - 19.31%))
Current Ratio = 9.08 (Total Current Assets 11.1b / Total Current Liabilities 1.22b)
Debt / Equity = 0.23 (Debt 4.37b / totalStockholderEquity, last quarter 18.9b)
Debt / EBITDA = -0.00 (Net Debt -17.0m / EBITDA 5.64b)
Debt / FCF = -0.00 (Net Debt -17.0m / FCF TTM 4.35b)
Total Stockholder Equity = 18.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.82% (Net Income 4.06b / Total Assets 86.3b)
RoE = 22.01% (Net Income TTM 4.06b / Total Stockholder Equity 18.5b)
RoCE = 22.92% (EBIT 5.23b / Capital Employed (Equity 18.5b + L.T.Debt 4.37b))
RoIC = 5.01% (NOPAT 4.22b / Invested Capital 84.3b)
WACC = 6.56% (E(35.9b)/V(40.3b) * Re(6.91%) + D(4.37b)/V(40.3b) * Rd(4.55%) * (1-Tc(0.19)))
Discount Rate = 6.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.75 | Cagr: -3.35%
[DCF] Terminal Value 77.97% ; FCFF base≈3.87b ; Y1≈4.43b ; Y5≈6.52b
[DCF] Fair Price = 358.1 (EV 98.2b - Net Debt -17.0m = Equity 98.2b / Shares 274.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.48 | EPS CAGR: 23.17% | SUE: -0.91 | # QB: -1
Revenue Correlation: 99.94 | Revenue CAGR: 7.71% | SUE: -1.75 | # QB: -1
EPS current Quarter (2026-06-30): EPS=3.23 | Chg30d=-2.70% | Revisions=-20% | Analysts=22
EPS next Quarter (2026-09-30): EPS=3.16 | Chg30d=-2.11% | Revisions=-40% | Analysts=22
EPS current Year (2026-12-31): EPS=12.86 | Chg30d=-1.76% | Revisions=-45% | GrowthEPS=-4.1% | GrowthRev=+3.3%
EPS next Year (2027-12-31): EPS=14.15 | Chg30d=-1.86% | Revisions=-50% | GrowthEPS=+10.0% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: -50%