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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.09
HIG's Cash to Debt is ranked higher than
52% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.29 vs. HIG: 0.09 )
HIG' s 10-Year Cash to Debt Range
Min: 0.07   Max: 0.45
Current: 0.09

0.07
0.45
Equity to Asset 0.08
HIG's Equity to Asset is ranked higher than
60% of the 246 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.11 vs. HIG: 0.08 )
HIG' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.08
Current: 0.08

0.03
0.08
Interest Coverage 4.52
HIG's Interest Coverage is ranked higher than
55% of the 211 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.28 vs. HIG: 4.52 )
HIG' s 10-Year Interest Coverage Range
Min: 0.59   Max: 15.23
Current: 4.52

0.59
15.23
F-Score: 5
Z-Score: 0.22
WACC vs ROIC
11.55%
6.74%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 9.21
HIG's Operating margin (%) is ranked higher than
76% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.36 vs. HIG: 9.21 )
HIG' s 10-Year Operating margin (%) Range
Min: -49.8   Max: 15.45
Current: 9.21

-49.8
15.45
Net-margin (%) 4.14
HIG's Net-margin (%) is ranked higher than
68% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.47 vs. HIG: 4.14 )
HIG' s 10-Year Net-margin (%) Range
Min: -29.82   Max: 11.38
Current: 4.14

-29.82
11.38
ROE (%) 4.02
HIG's ROE (%) is ranked higher than
61% of the 251 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.51 vs. HIG: 4.02 )
HIG' s 10-Year ROE (%) Range
Min: -19.31   Max: 25.12
Current: 4.02

-19.31
25.12
ROA (%) 0.30
HIG's ROA (%) is ranked higher than
59% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.93 vs. HIG: 0.30 )
HIG' s 10-Year ROA (%) Range
Min: -0.85   Max: 1.11
Current: 0.3

-0.85
1.11
ROC (Joel Greenblatt) (%) 205.54
HIG's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 228 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 219.12 vs. HIG: 205.54 )
HIG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -448.56   Max: 35450
Current: 205.54

-448.56
35450
Revenue Growth (3Y)(%) -4.00
HIG's Revenue Growth (3Y)(%) is ranked higher than
65% of the 208 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.50 vs. HIG: -4.00 )
HIG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.3   Max: 15
Current: -4

-30.3
15
EBITDA Growth (3Y)(%) 18.30
HIG's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 180 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 15.00 vs. HIG: 18.30 )
HIG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 38.8
Current: 18.3

0
38.8
EPS Growth (3Y)(%) 33.90
HIG's EPS Growth (3Y)(%) is ranked higher than
91% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.50 vs. HIG: 33.90 )
HIG' s 10-Year EPS Growth (3Y)(%) Range
Min: -52.2   Max: 47.6
Current: 33.9

-52.2
47.6
» HIG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

HIG Guru Trades in Q2 2014

Jim Simons 171,111 sh (New)
George Soros 65,000 sh (New)
Richard Pzena 1,640,026 sh (+9.53%)
Richard Snow 2,500,364 sh (+8.18%)
Pioneer Investments 2,074,653 sh (+7.60%)
Mario Gabelli 444,300 sh (+6.55%)
First Eagle Investment 200 sh (unchged)
Bruce Berkowitz 52,000 sh (unchged)
Ray Dalio Sold Out
Caxton Associates Sold Out
Chuck Akre 314,982 sh (-0.91%)
Arnold Schneider 576,952 sh (-2.95%)
David Dreman 69,666 sh (-20.18%)
John Paulson 4,468,670 sh (-25.07%)
NWQ Managers 7,574,297 sh (-28.72%)
Louis Moore Bacon 2,100,000 sh (-35.38%)
Jeremy Grantham 126,680 sh (-57.69%)
» More
Q3 2014

HIG Guru Trades in Q3 2014

Dodge & Cox 7,510 sh (New)
Ray Dalio 9,256 sh (New)
Steven Cohen 848,900 sh (New)
George Soros 550,000 sh (+746.15%)
Arnold Schneider 719,097 sh (+24.64%)
Jeremy Grantham 136,515 sh (+7.76%)
Richard Pzena 1,739,776 sh (+6.08%)
Richard Snow 2,602,766 sh (+4.10%)
First Eagle Investment 200 sh (unchged)
Pioneer Investments 2,153,748 sh (unchged)
Bruce Berkowitz 52,000 sh (unchged)
Jim Simons Sold Out
David Dreman 69,497 sh (-0.24%)
Mario Gabelli 438,500 sh (-1.31%)
Chuck Akre 306,101 sh (-2.82%)
NWQ Managers 5,548,924 sh (-26.74%)
John Paulson 3,208,116 sh (-28.21%)
Louis Moore Bacon 670,000 sh (-68.10%)
» More
Q4 2014

HIG Guru Trades in Q4 2014

Joel Greenblatt 5,265 sh (New)
Andreas Halvorsen 3,822,711 sh (New)
Pioneer Investments 3,313,357 sh (+53.84%)
Dodge & Cox 8,050 sh (+7.19%)
Arnold Schneider 754,762 sh (+4.96%)
Richard Snow 2,666,543 sh (+2.45%)
First Eagle Investment 200 sh (unchged)
Ray Dalio Sold Out
Louis Moore Bacon Sold Out
Bruce Berkowitz Sold Out
John Paulson Sold Out
George Soros Sold Out
Richard Pzena 1,739,251 sh (-0.03%)
David Dreman 66,800 sh (-3.88%)
NWQ Managers 4,632,930 sh (-16.51%)
Jeremy Grantham 111,100 sh (-18.62%)
Mario Gabelli 307,250 sh (-29.93%)
Chuck Akre 50,761 sh (-83.42%)
Steven Cohen 98,200 sh (-88.43%)
» More
Q1 2015

HIG Guru Trades in Q1 2015

Paul Tudor Jones 27,527 sh (New)
Joel Greenblatt 5,959 sh (+13.18%)
David Dreman 72,827 sh (+9.02%)
Jeremy Grantham 118,700 sh (+6.84%)
First Eagle Investment 200 sh (unchged)
Dodge & Cox 8,050 sh (unchged)
Chuck Akre Sold Out
Pioneer Investments 3,209,480 sh (-3.14%)
Richard Snow 2,514,979 sh (-5.68%)
Mario Gabelli 285,150 sh (-7.19%)
Arnold Schneider 656,576 sh (-13.01%)
Andreas Halvorsen 2,828,276 sh (-26.01%)
Richard Pzena 977,801 sh (-43.78%)
Steven Cohen 54,400 sh (-44.60%)
NWQ Managers 1,932,276 sh (-58.29%)
» More
» Details

Insider Trades

Latest Guru Trades with HIG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Hartford Financial Services Group Inc

SymbolPriceYieldDescription
HIGPRA0.057.63

Top Ranked Articles about Hartford Financial Services Group Inc

Weekly 52-Week Highs Highlight: BLK, HIG, PRGO, NKE
According to GuruFocus list of 52-week highs, BlackRock Inc (BLK), Hartford Financial Services Group Inc (HIG), Perrigo Co PLC (PRGO) and Nike Inc. (NKE) have all reached their 52-week highs. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 23.80
HIG's P/E(ttm) is ranked higher than
72% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.70 vs. HIG: 23.80 )
HIG' s 10-Year P/E(ttm) Range
Min: 5.03   Max: 1285.22
Current: 23.8

5.03
1285.22
Forward P/E 9.75
HIG's Forward P/E is ranked higher than
94% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.52 vs. HIG: 9.75 )
N/A
PE(NRI) 13.80
HIG's PE(NRI) is ranked higher than
82% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.70 vs. HIG: 13.80 )
HIG' s 10-Year PE(NRI) Range
Min: 5.39   Max: 1478
Current: 13.8

5.39
1478
P/B 0.92
HIG's P/B is ranked higher than
89% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.40 vs. HIG: 0.92 )
HIG' s 10-Year P/B Range
Min: 0.12   Max: 1.8
Current: 0.92

0.12
1.8
P/S 1.01
HIG's P/S is ranked higher than
79% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.17 vs. HIG: 1.01 )
HIG' s 10-Year P/S Range
Min: 0.09   Max: 1.39
Current: 1.01

0.09
1.39
PFCF 10.14
HIG's PFCF is ranked higher than
85% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 123.42 vs. HIG: 10.14 )
HIG' s 10-Year PFCF Range
Min: 0.45   Max: 64.88
Current: 10.14

0.45
64.88
POCF 9.39
HIG's POCF is ranked higher than
85% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.82 vs. HIG: 9.39 )
HIG' s 10-Year POCF Range
Min: 0.24   Max: 15.84
Current: 9.39

0.24
15.84
EV-to-EBIT 11.22
HIG's EV-to-EBIT is ranked higher than
78% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.77 vs. HIG: 11.22 )
HIG' s 10-Year EV-to-EBIT Range
Min: -1220.1   Max: 26.5
Current: 11.22

-1220.1
26.5
Shiller P/E 35.57
HIG's Shiller P/E is ranked higher than
85% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. HIG: 35.57 )
HIG' s 10-Year Shiller P/E Range
Min: 0.8   Max: 840.33
Current: 35.57

0.8
840.33
Days Sales Outstanding 68.55
HIG's Days Sales Outstanding is ranked higher than
95% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. HIG: 68.55 )
HIG' s 10-Year Days Sales Outstanding Range
Min: 16.11   Max: 165.49
Current: 68.55

16.11
165.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.65
HIG's Dividend Yield is ranked lower than
81% of the 217 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.72 vs. HIG: 1.65 )
HIG' s 10-Year Dividend Yield Range
Min: 0.65   Max: 42.83
Current: 1.65

0.65
42.83
Dividend Payout 0.23
HIG's Dividend Payout is ranked higher than
95% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.91 vs. HIG: 0.23 )
HIG' s 10-Year Dividend Payout Range
Min: 0.04   Max: 10
Current: 0.23

0.04
10
Dividend growth (3y) 18.20
HIG's Dividend growth (3y) is ranked higher than
88% of the 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.50 vs. HIG: 18.20 )
HIG' s 10-Year Dividend growth (3y) Range
Min: -53.8   Max: 35.7
Current: 18.2

-53.8
35.7
Yield on cost (5-Year) 5.56
HIG's Yield on cost (5-Year) is ranked higher than
76% of the 217 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.90 vs. HIG: 5.56 )
HIG' s 10-Year Yield on cost (5-Year) Range
Min: 2.26   Max: 148.9
Current: 5.56

2.26
148.9
Share Buyback Rate 1.30
HIG's Share Buyback Rate is ranked higher than
88% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.20 vs. HIG: 1.30 )
HIG' s 10-Year Share Buyback Rate Range
Min: 2   Max: -15.9
Current: 1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.95
HIG's Price/Tangible Book is ranked higher than
91% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.06 vs. HIG: 0.95 )
HIG' s 10-Year Price/Tangible Book Range
Min: 0.34   Max: 2.54
Current: 0.95

0.34
2.54
Price/DCF (Projected) 0.95
HIG's Price/DCF (Projected) is ranked higher than
89% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. HIG: 0.95 )
HIG' s 10-Year Price/DCF (Projected) Range
Min: 0.06   Max: 1.01
Current: 0.95

0.06
1.01
Price/Median PS Value 1.25
HIG's Price/Median PS Value is ranked higher than
72% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.30 vs. HIG: 1.25 )
HIG' s 10-Year Price/Median PS Value Range
Min: 0.24   Max: 1.45
Current: 1.25

0.24
1.45
Price/Graham Number 0.74
HIG's Price/Graham Number is ranked higher than
89% of the 335 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.30 vs. HIG: 0.74 )
HIG' s 10-Year Price/Graham Number Range
Min: 0.32   Max: 9.02
Current: 0.74

0.32
9.02
Earnings Yield (Greenblatt) 8.90
HIG's Earnings Yield (Greenblatt) is ranked higher than
67% of the 246 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.20 vs. HIG: 8.90 )
HIG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.8   Max: 6174
Current: 8.9

3.8
6174

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, AIZ » details
Traded in other countries:HFF.Germany,
Hartford Financial Services Group Inc is an insurance and financial services company. property and casualty insurance and investment products to both individual and business customers in the United States of America. The Company sells products through multiple distribution channels to consumers and businesses. It has six reporting business segments including Property & Casualty Commercial, Consumer Markets, Property & Casualty Other Operations, Group Benefits, Mutual Funds and Talcott Resolution as well as a Corporate category. The Hartford includes in its Corporate category the Company's debt financing and related interest expense, as well as other capital raising activities; and purchase accounting adjustments related to goodwill and other expenses not allocated to the reporting segments. Property & Casualty Commercial provides businesses with workers' compensation, property, automobile, liability, umbrella and marine coverages under several different products, throughout the United States, within its standard commercial lines, which consists of The Hartford's small commercial and middle market lines of business. The products are marketed nationwide utilizing brokers and independent agents. Additionally the Company offers insurance products to customers of payroll service providers through its relationships with national payroll companies. In the small commercial marketplace, The Hartford competes against a number of large national carriers, as well as regional carriers in certain territories. Competitors include other stock companies, mutual companies and other underwriting organizations. Mutual Funds offers mutual funds for retail and retirement accounts and provides investment-management and administrative services such as product design, implementation and oversight. Insurance companies are subject to comprehensive and detailed regulation and supervision throughout the United States.
» More Articles for HIG

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