The Hartford Financial Services Group, Inc.

The Hartford Financial Services Group, Inc.

HIGยทNYSE

$125.94

-0.97%
Financial ServicesInsurance - Property & Casualty

The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

At a Glance

Live Snapshot
Market Cap$34.52B
EPS13.5100
P/E Ratio9.32
Earnings Date07/27/2026
The Hartford Financial Services Group, Inc.

The Hartford Financial Services Group, Inc. Fair Value Envelope

HIG ยท NYSE

Our analysis suggests that HIG has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $125.94, this represents a potential HIDDEN relative to our calculated worth for The Hartford Financial Services Group, Inc..

Intrinsic Value
Current Price: $125.94

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$84.6B
+ Cash & Equivalents$133.0M
Firm Value$84.8B
- Debt$4.4B
Equity Value$80.4B
/ Shares Outstanding278,650,292B
DCF Value$289
UNDERVALUED BY 129%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$5.9B
$5.9B
$5.9B
$5.9B
$5.9B
$5.9B
$5.8B
$5.8B
$5.8B
$5.8B
Maintenance CapEx
-$33.7M
-$33.7M
-$33.6M
-$33.5M
-$33.5M
-$33.4M
-$33.4M
-$33.3M
-$33.2M
-$33.2M
Owner Earnings
$5.9B
$5.9B
$5.9B
$5.8B
$5.8B
$5.8B
$5.8B
$5.8B
$5.8B
$5.8B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$5.4B
$5.0B
$4.6B
$4.3B
$4.0B
$3.7B
$3.4B
$3.1B
$2.9B
$2.7B
Terminal Value represents 53.7% of Enterprise Value