(HIG) Hartford Financial - Ratings and Ratios
Insurance, Financial Services, Investment, Mutual Funds, Reinsurance
HIG EPS (Earnings per Share)
HIG Revenue
Description: HIG Hartford Financial
The Hartford Financial Services Group (NYSE:HIG) is a multi-line insurance provider offering a diverse range of insurance and financial services to individuals and businesses across the United States, the United Kingdom, and internationally. The companys operations are segmented into Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds.
The Business Insurance segment is a significant contributor, providing various insurance coverages such as workers compensation, property, and liability insurance through multiple distribution channels. The Personal Insurance segment offers automobile, homeowners, and personal umbrella coverages, leveraging both direct-to-consumer channels and independent agents. The Employee Benefits segment is also noteworthy, providing group life, disability, and other coverages to employer groups and associations, with a notable presence in the reinsurance market.
From a financial perspective, Hartford Financial Services Group has demonstrated a reasonable return on equity (RoE) of 18.11%, indicating a decent level of profitability. The companys price-to-earnings (P/E) ratio stands at 12.47, with a forward P/E of 10.95, suggesting that the stock may be undervalued relative to its earnings potential. Additionally, the companys market capitalization is approximately $35.51 billion, indicating a substantial presence in the insurance industry.
Some key performance indicators (KPIs) to monitor for Hartford Financial Services Group include the combined ratio, which measures the companys underwriting profitability, and the investment yield, which reflects the returns on its investment portfolio. The companys loss ratio and expense ratio are also important metrics, as they impact the overall profitability of its insurance operations. Furthermore, the growth rate of its Employee Benefits segment and the assets under management (AUM) in its Hartford Funds segment are crucial indicators of the companys diversification and ability to generate revenue beyond traditional insurance products.
HIG Stock Overview
| Market Cap in USD | 37,438m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | 1995-12-20 |
HIG Stock Ratings
| Growth Rating | 86.2% |
| Fundamental | 87.3% |
| Dividend Rating | 68.2% |
| Return 12m vs S&P 500 | -4.80% |
| Analyst Rating | 3.74 of 5 |
HIG Dividends
| Dividend Yield 12m | 1.68% |
| Yield on Cost 5y | 6.21% |
| Annual Growth 5y | 8.22% |
| Payout Consistency | 95.2% |
| Payout Ratio | 18.8% |
HIG Growth Ratios
| Growth Correlation 3m | 74.5% |
| Growth Correlation 12m | 75.7% |
| Growth Correlation 5y | 94.9% |
| CAGR 5y | 28.73% |
| CAGR/Max DD 3y | 1.72 |
| CAGR/Mean DD 3y | 8.82 |
| Sharpe Ratio 12m | 1.14 |
| Alpha | 0.01 |
| Beta | 0.839 |
| Volatility | 19.47% |
| Current Volume | 2206.2k |
| Average Volume 20d | 1265.2k |
| Stop Loss | 125.7 (-3%) |
| Signal | -1.48 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (3.25b TTM) > 0 and > 6% of Revenue (6% = 1.64b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA -0.85pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 36.30% (prev 45.73%; Δ -9.43pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 5.83b > Net Income 3.25b (YES >=105%, WARN >=100%) |
| Net Debt (4.20b) to EBITDA (4.41b) ratio: 0.95 <= 3.0 (WARN <= 3.5) |
| Current Ratio 17.18 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (287.7m) change vs 12m ago -4.07% (target <= -2.0% for YES) |
| Gross Margin 15.23% (prev 14.55%; Δ 0.68pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 35.05% (prev 35.14%; Δ -0.09pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 20.38 (EBITDA TTM 4.41b / Interest Expense TTM 199.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.34
| (A) 0.12 = (Total Current Assets 10.51b - Total Current Liabilities 612.0m) / Total Assets 83.64b |
| (B) 0.27 = Retained Earnings (Balance) 22.85b / Total Assets 83.64b |
| (C) 0.05 = EBIT TTM 4.05b / Avg Total Assets 77.81b |
| (D) 0.31 = Book Value of Equity 20.47b / Total Liabilities 66.12b |
| Total Rating: 2.34 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 87.29
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 15.05% = 5.0 |
| 3. FCF Margin 20.96% = 5.24 |
| 4. Debt/Equity 0.25 = 2.47 |
| 5. Debt/Ebitda 0.99 = 1.78 |
| 6. ROIC - WACC (= 7.36)% = 9.20 |
| 7. RoE 19.14% = 1.59 |
| 8. Rev. Trend 97.65% = 7.32 |
| 9. EPS Trend 73.59% = 3.68 |
What is the price of HIG shares?
Over the past week, the price has changed by -0.91%, over one month by +0.31%, over three months by +3.42% and over the past year by +13.02%.
Is Hartford Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HIG is around 146.28 USD . This means that HIG is currently undervalued and has a potential upside of +12.83% (Margin of Safety).
Is HIG a buy, sell or hold?
- Strong Buy: 4
- Buy: 6
- Hold: 9
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the HIG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 138.8 | 7.1% |
| Analysts Target Price | 138.8 | 7.1% |
| ValueRay Target Price | 162.6 | 25.4% |
Last update: 2025-09-04 20:00
HIG Fundamental Data Overview
CCE Cash And Equivalents = 3.81b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.0936
P/E Forward = 9.6805
P/S = 1.3643
P/B = 2.1584
P/EG = 1.41
Beta = 0.667
Revenue TTM = 27.27b USD
EBIT TTM = 4.05b USD
EBITDA TTM = 4.41b USD
Long Term Debt = 4.37b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 4.37b USD (Calculated: Short Term 0.0 + Long Term 4.37b)
Net Debt = 4.20b USD (from netDebt column, last quarter)
Enterprise Value = 37.99b USD (37.44b + Debt 4.37b - CCE 3.81b)
Interest Coverage Ratio = 20.38 (Ebit TTM 4.05b / Interest Expense TTM 199.0m)
FCF Yield = 15.05% (FCF TTM 5.72b / Enterprise Value 37.99b)
FCF Margin = 20.96% (FCF TTM 5.72b / Revenue TTM 27.27b)
Net Margin = 11.90% (Net Income TTM 3.25b / Revenue TTM 27.27b)
Gross Margin = 15.23% ((Revenue TTM 27.27b - Cost of Revenue TTM 23.12b) / Revenue TTM)
Tobins Q-Ratio = 1.86 (Enterprise Value 37.99b / Book Value Of Equity 20.47b)
Interest Expense / Debt = 1.14% (Interest Expense 50.0m / Debt 4.37b)
Taxrate = 19.17% (738.0m / 3.85b)
NOPAT = 3.28b (EBIT 4.05b * (1 - 19.17%))
Current Ratio = 17.18 (Total Current Assets 10.51b / Total Current Liabilities 612.0m)
Debt / Equity = 0.25 (Debt 4.37b / last Quarter total Stockholder Equity 17.52b)
Debt / EBITDA = 0.99 (Net Debt 4.20b / EBITDA 4.41b)
Debt / FCF = 0.76 (Debt 4.37b / FCF TTM 5.72b)
Total Stockholder Equity = 16.95b (last 4 quarters mean)
RoA = 3.88% (Net Income 3.25b, Total Assets 83.64b )
RoE = 19.14% (Net Income TTM 3.25b / Total Stockholder Equity 16.95b)
RoCE = 19.02% (Ebit 4.05b / (Equity 16.95b + L.T.Debt 4.37b))
RoIC = 15.62% (NOPAT 3.28b / Invested Capital 20.99b)
WACC = 8.25% (E(37.44b)/V(41.81b) * Re(9.11%)) + (D(4.37b)/V(41.81b) * Rd(1.14%) * (1-Tc(0.19)))
Shares Correlation 3-Years: -99.24 | Cagr: -1.14%
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.09% ; FCFE base≈5.64b ; Y1≈5.85b ; Y5≈6.69b
Fair Price DCF = 345.4 (DCF Value 97.13b / Shares Outstanding 281.2m; 5y FCF grow 3.94% → 3.0% )
EPS Correlation: 73.59 | EPS CAGR: 36.82% | SUE: 2.47 | # QB: 1
Revenue Correlation: 97.65 | Revenue CAGR: 8.52% | SUE: N/A | # QB: None
Additional Sources for HIG Stock
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