Taking everything into account, HIG scores 4 out of 10 in our fundamental rating. HIG was compared to 147 industry peers in the Insurance industry. There are concerns on the financial health of HIG while its profitability can be described as average. HIG has a valuation in line with the averages, but it does not seem to be growing.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

HIG had positive earnings in the past year.
In the past year HIG had a positive cash flow from operations.
HIG had positive earnings in 4 of the past 5 years.
HIG had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 4.16%, HIG is doing good in the industry, outperforming 77.55% of the companies in the same industry.
With an excellent Return On Equity value of 19.17%, HIG belongs to the best of the industry, outperforming 84.35% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	4.16%
ROE	19.17%
ROIC	N/A

ROA(3y)3.17%

ROA(5y)2.98%

ROE(3y)16.04%

ROE(5y)14.1%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

HIG's Profit Margin of 12.69% is fine compared to the rest of the industry. HIG outperforms 69.39% of its industry peers.
In the last couple of years the Profit Margin of HIG has grown nicely.
HIG has a Operating Margin of 16.46%. This is in the better half of the industry: HIG outperforms 63.27% of its industry peers.
HIG's Operating Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	16.46%
PM (TTM)	12.69%
GM	N/A

OM growth 3Y2.24%

OM growth 5Y0.62%

PM growth 3Y3.61%

PM growth 5Y3.2%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HIG does not have a ROIC to compare to the WACC, probably because it is not profitable.
HIG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

The Debt to FCF ratio of HIG is 0.74, which is an excellent value as it means it would take HIG, only 0.74 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.74, HIG is in the better half of the industry, outperforming 77.55% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that HIG is not too dependend on debt financing.
The Debt to Equity ratio of HIG (0.24) is better than 64.63% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.24
Debt/FCF	0.74
Altman-Z	N/A

ROIC/WACCN/A

WACC8.39%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

HIG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.46%, which is quite impressive.
HIG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.40% yearly.

EPS 1Y (TTM)30.46%

EPS 3Y21.17%

EPS 5Y18.4%

EPS Q2Q%38.1%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%-24.18%

3.2 Future

Based on estimates for the next years, HIG will show a small growth in Earnings Per Share. The EPS will grow by 4.29% on average per year.
HIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.02% yearly.

EPS Next Y-0.22%

EPS Next 2Y3.84%

EPS Next 3Y4.29%

EPS Next 5YN/A

Revenue Next Year5.65%

Revenue Next 2Y5.02%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.20, which indicates a very decent valuation of HIG.
HIG's Price/Earnings ratio is a bit cheaper when compared to the industry. HIG is cheaper than 61.90% of the companies in the same industry.
HIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.41.
With a Price/Forward Earnings ratio of 10.22, the valuation of HIG can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HIG is on the same level as its industry peers.
HIG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.64.

		Industry Rank	Sector Rank
PE	10.2
Fwd PE	10.22

4.2 Price Multiples

73.47% of the companies in the same industry are more expensive than HIG, based on the Enterprise Value to EBITDA ratio.
62.59% of the companies in the same industry are more expensive than HIG, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	6.49
EV/EBITDA	5.68

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.55

EPS Next 2Y3.84%

EPS Next 3Y4.29%

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5. Dividend

5.1 Amount

HIG has a Yearly Dividend Yield of 1.78%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.19, HIG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.83, HIG has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.78%

5.2 History

The dividend of HIG is nicely growing with an annual growth rate of 9.29%!
HIG has paid a dividend for at least 10 years, which is a reliable track record.
HIG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)9.29%

Div Incr Years12

Div Non Decr Years15

5.3 Sustainability

17.08% of the earnings are spent on dividend by HIG. This is a low number and sustainable payout ratio.
HIG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP17.08%

EPS Next 2Y3.84%

EPS Next 3Y4.29%

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HARTFORD INSURANCE GROUP INC / HIG FAQ

What is the ChartMill fundamental rating of HARTFORD INSURANCE GROUP INC (HIG) stock?

ChartMill assigns a fundamental rating of 4 / 10 to HIG.

What is the valuation status of HARTFORD INSURANCE GROUP INC (HIG) stock?

ChartMill assigns a valuation rating of 5 / 10 to HARTFORD INSURANCE GROUP INC (HIG). This can be considered as Fairly Valued.

What is the profitability of HIG stock?

HARTFORD INSURANCE GROUP INC (HIG) has a profitability rating of 5 / 10.

What are the PE and PB ratios of HARTFORD INSURANCE GROUP INC (HIG) stock?

The Price/Earnings (PE) ratio for HARTFORD INSURANCE GROUP INC (HIG) is 10.2 and the Price/Book (PB) ratio is 2.07.

Can you provide the financial health for HIG stock?

The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 3 / 10.