10 Year Financial Data of Hartford Financial Services Group Inc (HIG)

30.24 (1y: +71%)

Market Cap	13.86 B	P/E(ttm)
Enterprise Value	14.54 B	P/B	0.60

HIG- NYSE (USA)
Hartford Financial Services Group Inc

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$30.24

3 Severe Warning Signs 2 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-5.6	10	25.9
EBITDA Growth (%)	0	0	-242.4
Free Cash Flow Growth (%)	-9.4	-18.6	-40.7
Book Value Growth (%)	-0.9	11.5	5.7

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	68.77	76.41	88.62	83.89	81.22	30.06	71.33	46.49	45.73	60.34	62.56	16.33	10.44	13.35	17.73	21.04
EBITDA per Share	-1.22	10.26	12.43	14.20	15.86	-13.79	-3.63	5.94	1.88	-0.14	-1.41	0.21	-0.22	1.30	-1.58	-0.91
Free Cashflow per Share	13.98	8.26	11.52	17.23	17.91	12.75	8.59	6.87	4.76	6.13	3.75	2.43	0.22	2.02	1.08	0.43
Earnings per Share ($)	-0.33	7.12	7.44	8.69	9.24	-8.99	-2.93	2.49	1.30	-0.18	-1.03	0.18	-0.26	0.83	-1.02	-0.58
Dividends Per Share	1.09	1.13	1.17	1.70	2.03	1.91	0.20	0.20	0.40	0.40	0.40	0.10	0.10	0.10	0.10	0.10
Book Value per Share	42.73	47.94	50.15	59.75	60.18	30.22	43.04	41.03	46.77	50.01	46.67	44.17	48.85	47.26	50.19	46.67
Month End Stock Price	59.03	69.31	85.89	93.31	87.19	16.42	23.26	26.49	16.25	22.44	25.80	21.08	17.63	19.44	22.44	25.80
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	-0.80	14.90	14.80	14.50	15.40	-29.70	-5.00	8.30	2.90	-0.20	-4.80	2.00	-2.00	6.80	-7.60	-4.80
Return on Assets %	--	0.80	0.80	0.80	0.80	-1.00	-0.30	0.50	0.20	--	-0.40	--	--	0.40	-0.40	-0.40
Return on Capital - Joel Greenblatt %	-93.50	2,391	2,509	1,732	376	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.49	0.35	0.31	0.23	0.28	0.67	0.39	0.34	0.29	0.33	0.01	0.31	0.34	0.31	0.33	0.01

Operating Margin %	-2.90	12.20	12.00	14.60	16.50	-49.80	-7.00	10.10	1.10	-2.00	-4.90	--	-5.40	7.90	-10.20	-4.90
Net Margin %	-0.50	9.30	8.40	10.40	11.40	-29.80	-3.60	7.50	3.00	-0.10	-2.60	1.30	-2.20	6.20	-5.60	-2.60

Debt to Revenue	0.30	0.22	0.18	0.17	0.21	0.68	0.28	0.31	0.30	0.28	0.01	0.85	1.61	1.14	0.94	0.01
Interest Exp. to Revenue %	--	-1.11	-0.93	-1.05	-1.02	-3.72	-1.93	-2.27	-2.32	-1.73	-1.17	-1.62	-2.51	-1.69	-1.41	-1.17

Asset Turnover	0.08	0.09	0.10	0.08	0.07	0.03	0.08	0.07	0.07	0.09	0.03	0.03	0.02	0.02	0.03	0.03
Buyback Ratio	1,277	-19.40	--	--	-6.30	--	100.00	-95.20	-1.50	36.80	--	4.20	5.00	-2.20	0.90	--
Dividend Payout Ratio	--	0.16	0.16	0.20	0.22	--	--	0.06	0.29	--	--	0.49	--	0.12	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Total Premiums Earned	11,891	13,566	14,359	15,023	15,619	15,503	14,424	14,055	14,088	13,631	13,441	3,442	3,400	3,401	3,388	3,252
Net Investment Income	3,233	5,162	8,231	6,515	5,359	-6,005	7,219	3,618	2,913	8,802	8,422	3,936	-590	1,740	3,716	3,556
Fees and Other Income	3,609	3,965	4,493	4,962	4,938	-279	3,058	4,710	4,858	3,979	6,066	283	1,764	1,301	631	2,370
Revenue	18,733	22,693	27,083	26,500	25,916	9,219	24,701	22,383	21,859	26,412	27,929	7,661	4,574	6,442	7,735	9,178

Selling, General, &Admin. Expense	--	--	--	--	--	--	3,749	4,663	4,398	5,237	4,957	1,312	1,309	1,275	1,341	1,032
Policyholder Benefits & Claims	27,096	27,280	33,552	30,084	28,128	6,707	17,019	13,799	13,266	17,814	17,277	5,902	1,935	3,981	5,996	5,365
Policy Acquisition Expense	2,411	2,828	3,169	3,558	2,989	--	--	--	--	1,988	1,336	--	--	--	--	1,336
Earnings Before DDA	-331	3,048	3,798	4,485	5,062	-4,230	-1,258	2,860	898	-60.00	-557	100.00	-97.00	627	-690	-397

Depreciation, Depletion and Amortization	219	274	561	606	794	361	470	596	668	467	421	98.00	152	116	101	52.00

Operating Income	-550	2,774	3,237	3,879	4,268	-4,591	-1,728	2,264	230	-527	-978	2.00	-249	511	-791	-449
Net Income	-91.00	2,115	2,274	2,745	2,949	-2,749	-887	1,680	662	-38.00	-375	96.00	-101	401	-434	-241

Preferred dividends	--	--	--	--	--	--	127	515	42.00	42.00	42.00	10.00	11.00	10.00	11.00	10.00
Earnings per Share ($)	-0.33	7.12	7.44	8.69	9.24	-8.99	-2.93	2.49	1.30	-0.18	-1.03	0.18	-0.26	0.83	-1.02	-0.58
Total Shares Outstanding	272	297	306	316	319	307	346	482	478	438	436	469	438	483	436	436
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Fixed Maturity Investment	61,263	75,100	76,440	80,755	80,055	65,112	71,153	78,469	83,137	87,009	70,649	84,448	86,392	88,081	87,009	70,649
Equity Investments	565	14,466	25,495	31,132	38,777	32,278	33,542	33,793	31,420	29,823	28,961	31,660	30,066	30,858	29,823	28,961
Short-term investments	1,507	2,180	1,253	1,917	4,783	10,022	10,357	8,528	7,736	33,514	4,412	5,256	5,154	4,787	33,514	4,412
Net Loan	2,512	2,180	2,984	3,318	5,410	8,677	8,112	6,670	7,729	8,708	6,650	8,245	8,831	8,863	8,708	6,650
Cash and cash equivalents	462	1,148	1,273	1,424	2,011	1,811	2,142	2,062	2,581	2,421	1,985	2,059	2,338	2,705	2,421	1,985
Accounts Receivable	9,043	9,413	10,094	5,571	8,831	3,604	3,404	3,273	3,446	3,542	3,584	3,565	3,537	3,646	3,542	3,584
Deferred Policy Acquisition Costs	7,599	8,509	9,702	10,268	11,742	13,248	10,686	9,857	8,744	5,725	2,431	6,577	6,336	5,947	5,725	2,431
Property, Plant and Equipment	--	643	683	791	972	1,075	1,026	1,150	1,029	977	921	1,017	1,001	979	977	921
Intangible Assets	1,720	1,720	1,720	1,717	1,726	1,060	1,204	1,051	1,006	654	498	1,006	1,006	1,006	654	498
Total Assets	225,853	259,735	285,557	326,710	360,361	287,583	307,717	318,346	304,064	298,513	297,021	310,548	303,977	308,918	298,513	297,021

Unpaid Loss & Loss Reserve	59,302	33,575	99,705	71,311	37,484	--	--	--	--	--	--	--	--	--	--	--
Unearned Premiums	4,423	4,807	5,566	5,620	5,545	5,379	5,221	5,176	5,222	5,145	5,307	5,325	5,278	5,370	5,145	5,307
Future Policy Benefits	26,185	33,575	35,253	36,007	37,484	38,680	39,631	--	--	40,992	41,681	40,532	40,980	40,992	40,992	41,681
Policyholder Funds	--	52,833	64,452	71,311	80,342	84,552	78,148	77,343	76,073	70,901	69,132	74,757	73,188	73,024	70,901	69,132
Current Portion of Long-Term Debt	1,050	621	719	857	2,174	398	343	400	--	320	--	--	--	320	320	--
Other liabilities	118,641	62,945	60,489	119,224	94,644	112,684	159,877	208,527	193,329	151,741	159,849	162,130	155,191	158,846	151,741	159,849
Long-Term Debt	4,613	4,308	4,048	3,504	3,142	5,823	6,632	6,589	6,530	6,967	132	6,530	7,379	6,996	6,967	132
Total Liabilities	214,214	245,497	270,232	307,834	341,157	278,315	289,852	298,035	281,154	276,066	276,101	289,274	282,016	285,548	276,066	276,101

Common Stock	3.00	3.00	3.00	3.00	3.00	3.00	4.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00
Preferred Stock	--	--	--	--	--	--	2,960	556	556	556	556	556	556	556	556	556
Retained Earnings	6,499	8,283	10,207	12,421	14,686	11,336	11,164	12,077	12,519	10,745	10,449	11,042	10,887	11,235	10,745	10,449
Additional Paid-In Capital	3,929	4,567	5,067	6,321	6,627	7,569	8,985	10,448	10,391	10,038	9,993	10,031	10,037	10,032	10,038	9,993
Treasury Stock	-38.00	-40.00	-42.00	-47.00	-1,254	-2,120	-1,936	-1,774	-1,718	-1,740	-1,732	-1,688	-1,780	-1,753	-1,740	-1,732
Total Equity	11,639	14,238	15,325	18,876	19,204	9,268	17,865	20,311	22,910	22,447	20,920	21,274	21,961	23,370	22,447	20,920
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	-91.00	2,115	2,274	2,745	2,949	-2,749	-887	1,680	662	-38.00	-375	96.00	-101	401	-434	-241
Depreciation, Depletion and Amortization	219	274	561	606	794	361	470	596	668	467	421	98.00	152	116	101	52.00
Cash Flow from Others	3,768	245	897	2,287	2,248	6,580	3,391	1,033	944	2,252	1,681	946	45.00	459	802	375
Cash Flow from Operations	3,896	2,634	3,732	5,638	5,991	4,192	2,974	3,309	2,274	2,681	1,727	1,140	96.00	976	469	186

Investment for Property, Plant & Equipement	-89.00	-180	-211	-195	-275	-282	--	--	--	--	--	--	--	--	--	--
Cash Flow from Acquisitions	-431	-58.00	8.00	-767	--	--	391	241	-269	-637	107	-276	-228	-100.00	-33.00	468
Cash Flow from Investing	-8,387	-2,401	-4,860	-7,410	-6,176	-8,827	-3,123	-434	-1,182	-2,557	-883	-1,367	-184	-311	-695	307

Net Issuance of Stock	1,162	411	--	--	-1,193	--	887	1,600	-36.00	-440	-431	-52.00	-401	9.00	4.00	-43.00
Net Issuance of Preferred Stock	--	--	--	--	--	--	3,400	-2,844	--	--	--	--	--	--	--	--
Net Issuance of Debt	1,270	-730	-150	-598	821	3,078	-24.00	-14,074	-473	-12,510	-12,489	-3,749	-3,357	-2,995	-2,409	-3,728
Cash Flow for Dividends	-291	-325	-345	-460	-636	-660	-222	-170	-195	-217	-217	-55.00	-55.00	-54.00	-53.00	-55.00
Other Financing	2,467	1,121	1,775	2,973	1,507	1,856	-3,518	12,533	95.00	12,939	12,290	3,623	4,155	2,714	2,447	2,974
Cash Flow from Financing	4,608	477	1,280	1,915	499	4,274	523	-2,955	-609	-228	-847	-233	342	-326	-11.00	-852

Net Change in Cash	85.00	686	125	151	587	-200	331	-80.00	519	-160	-74.00	-522	279	367	-284	-436

Free Cash Flow	3,807	2,454	3,521	5,443	5,716	3,910	2,974	3,309	2,274	2,681	1,727	1,140	96.00	976	469	186
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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HIG Quarterly/Annuals Reports

HIG: 10-Q - HARTFORD FINANCIAL SERVICES GROUP INC/DE (0000874766) (Filer): (10-Q) - 2012-11-01
HIG: 10-Q - HARTFORD FINANCIAL SERVICES GROUP INC/DE (0000874766) (Filer): (10-Q) - 2012-05-02
HIG: 10-K - HARTFORD FINANCIAL SERVICES GROUP INC/DE (0000874766) (Filer): (10-K) - 2012-02-24
HIG: 10-Q - HARTFORD FINANCIAL SERVICES GROUP INC/DE (0000874766) (Filer): (10-Q) - 2011-11-02
HIG: 10-Q - HARTFORD FINANCIAL SERVICES GROUP INC/DE (0000874766) (Filer): (10-Q) - 2011-08-03

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