HIG
HARTFORD INSURANCE GROUP, INC.
Financials • CIK: 0000874766
Loading...
Market Cap
$38.04B
P/E (TTM)
10.7x
Rev Growth (TTM)
+7.1%
Net Margin (TTM)
12.7%
FCF Yield (TTM)
15.5%
FCF Margin (TTM)
21.1%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$5.9B
Q3 '25
$1.8B+43%
Q2 '25
$1.3B+32%
FCF Margin
TTM21.1%
Q3 '2524.8%+38%
Sector: 21.9%Below Avg
OCF Margin21.5%
OCF/NI1.69x
CapEx Coverage61.7x
FCF Yield15.5%
FCF Growth (2Y)+14%
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldTTM
TTM5.8%
Div Yield1.6%
+Buyback (TTM)4.3%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)1.6%
FCF Payout Ratio10.1%
Free Cash Flow (TTM)$5.9B
Stock Repurchases (TTM)$1.6B
Capital Return / FCF37.7%
Est. Dividends Paid (TTM)$593.1M
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.34x
8Q: 0.34x
Leverage (1+D/E)
1.00x
D/E: 0.00x
Asset & CapEx Efficiency
Fixed Asset Turn
31.00x
8Q:30.56x
+275.5%
CapEx/Depreciation
0.28x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $27.9B | $7.2B↑3.5% | $7.0B↑2.6% | $6.8B↓1.0% | $6.9B↑1.9% | $6.8B↑4.1% | $6.5B↑1.0% | $6.4B↑0.3% | $6.4B |
Operating Income | $4.4B | $1.3B↑5.8% | $1.2B↑59.1% | $783.0M↓27.1% | $1.1B↑12.8% | $952.0M↑4.4% | $912.0M↑0.1% | $911.0M↓4.1% | $950.0M |
Net Income | $3.5B | $1.1B↑8.5% | $990.0M↑58.4% | $625.0M↓26.3% | $848.0M↑11.4% | $761.0M↑3.8% | $733.0M↓2.0% | $748.0M↓2.3% | $766.0M |
Operating Cash Flow | $6.0B | $1.8B↑42.4% | $1.3B↑31.1% | $985.0M↓47.4% | $1.9B↑11.7% | $1.7B↑33.2% | $1.3B↑14.9% | $1.1B↓32.6% | $1.6B |
Free Cash Flow | $5.9B | $1.8B↑43.3% | $1.3B↑32.1% | $947.0M↓50.2% | $1.9B↑17.4% | $1.6B↑34.9% | $1.2B↑14.5% | $1.0B↓33.0% | $1.6B |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
10.7x
Volatile
8Q: 39.0x+336%
Valuation Lenses
Earnings
10.7x
vs – sector
Cash Flow
6.0x
EV/FCF vs –
Growth-Adj
0.5xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
1.6%
Buyback
4.3%
Total Yield
5.8%
Market Cap$38.04B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
100/100
Exceptional
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Top 10%
20.6%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.69x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
64/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
7.1%
OpInc Growth YoY
38.4%
EPS Growth YoY
22.9%
FCF 3Y CAGR
14.1%
Growth Quality Analysis
✓Efficient Growth: Free cash flow growing faster than revenue
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
—
Operating
—
Net
12.7%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+8.4 pts
FCF: 21.1% | Net: 12.7%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $206.00M
Interest Coverage
–
+Net cash position: $206.00M
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis