Hartford Financial Services Group, Inc.

  • Earnings Score
  • Moat Score
  • Safety Score
  • Final Score
  • Market Cap $36.35B
  • PE 12
  • Debt $4.37B
  • Cash $216.00M
  • EV $40.50B
  • FCF $5.66B

Earnings

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Sales & Net Margins

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Earnings$2.97B
EBIT$3.72B
ROE18%
ROA5%
FCF$5.66B
Equity$16.84B
Growth Stability88%
PE12.25
PEG1.04
PB2.16
P/FCF6.42
P/S1.35
Price/Cash0.01
Debt/Equity0.26
Debt/FCF0.77
Net Margins9%
Op. Margins14%
Earnings CAGR12%
Sales Growth YoY6%
Sales Growth QoQ-1%
Sales CAGR5%
FCF CAGR13%
Equity CAGR-1%
Earnings Stability0.6
Earnings Growth YoY-16%
Earnings Growth QoQ-26%
Earnings CAGR 5Y12%
Sales CAGR 5Y6%
FCF CAGR 5Y8%
Equity CAGR 5Y-3%
Earnings CAGR 3Y8%
Sales CAGR 3Y8%
FCF CAGR 3Y19%
Equity CAGR 3Y9%
Market Cap$36.35B
Revenue$26.93B
Dividend Yield2%
Payout Ratio19%
Assets$82.31B
Total Debt$4.37B
Cash$216.00M
Shares Outstanding286.6M
EV40.5B
Earnings Score84%
Moat Score79%
Safety Score96%
Final Score86%
Shares Growth 3y-5%
Equity Growth QoQ2%
Equity Growth YoY9%

Assets & ROA

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Stockholders Equity & ROE

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The Hartford Financial Services Group Inc offers a diverse range of property and casualty insurance, group benefits, and mutual fund services to a customer base of individuals and corporations. It operates in five segments: Commercial Lines, Personal Lines, Property & Casualty Other Operations, Group Benefits, and Hartford Funds, as well as a Corporate category.

SEC Filings

Direct access to Hartford Financial Services Group, Inc. (HIG) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2025
    • 10-Q Mar 31
  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Hartford Financial Services Group, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Hartford Financial Services Group, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 12%
Stability 60%
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Hartford Financial Services Group, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Hartford Financial Services Group, Inc..

= $139B
012345678910TV
fcf$5.7B$6.4B$7.2B$8.2B$9.2B$10B$12B$13B$15B$17B$19B$191B
DCF$5.8B$6B$6.1B$6.3B$6.5B$6.6B$6.8B$7B$7.2B$7.4B$74B
Value$139B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins9%5%-18%10%10%8%10%8%10%12%9%
ROA-1%0%3%4%3%4%3%4%5%5%
ROE-5%-23%14%13%9%13%13%16%19%18%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF-2.742.581.721.431.161.251.141.090.760.77
Debt over Equity0.30.30.370.360.30.230.280.320.280.270.26
Growth Stability-----100%100%88%100%100%88%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth--0%-7%12%9%-1%9%-0%10%8%6%
Earnings YoY growth--47%-449%-158%15%-17%37%-23%38%24%12%
Equity YoY growth--4%-20%-3%24%14%-4%-24%12%7%-3%
FCF YoY growth--25%5%41%24%11%5%-3%4%44%8%