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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 lower than
98% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 583.69 vs. HIG: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
HIG' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.25 Max: 0.45
Current: 0.09
0.07
0.45
Equity to Asset 0.08
HIG's Equity to Asset is ranked lower than
82% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. HIG: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
HIG' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.05 Max: 0.08
Current: 0.08
0.03
0.08
Interest Coverage 4.52
HIG's Interest Coverage is ranked lower than
91% of the 115 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. HIG: 4.52 )
Ranked among companies with meaningful Interest Coverage only.
HIG' s 10-Year Interest Coverage Range
Min: 0.59  Med: 7.79 Max: 15.23
Current: 4.52
0.59
15.23
F-Score: 6
WACC vs ROIC
10.00%
8.12%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 10.89
HIG's Operating margin (%) is ranked higher than
52% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.25 vs. HIG: 10.89 )
Ranked among companies with meaningful Operating margin (%) only.
HIG' s 10-Year Operating margin (%) Range
Min: -49.8  Med: 9.13 Max: 15.45
Current: 10.89
-49.8
15.45
Net-margin (%) 8.83
HIG's Net-margin (%) is ranked higher than
57% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.08 vs. HIG: 8.83 )
Ranked among companies with meaningful Net-margin (%) only.
HIG' s 10-Year Net-margin (%) Range
Min: -29.82  Med: 5.36 Max: 11.38
Current: 8.83
-29.82
11.38
ROE (%) 8.75
HIG's ROE (%) is ranked lower than
55% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.17 vs. HIG: 8.75 )
Ranked among companies with meaningful ROE (%) only.
HIG' s 10-Year ROE (%) Range
Min: -19.37  Med: 6.15 Max: 25.12
Current: 8.75
-19.37
25.12
ROA (%) 0.67
HIG's ROA (%) is ranked lower than
71% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.92 vs. HIG: 0.67 )
Ranked among companies with meaningful ROA (%) only.
HIG' s 10-Year ROA (%) Range
Min: -0.85  Med: 0.52 Max: 1.11
Current: 0.67
-0.85
1.11
Revenue Growth (3Y)(%) -4.00
HIG's Revenue Growth (3Y)(%) is ranked lower than
77% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.20 vs. HIG: -4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HIG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.3  Med: 2.00 Max: 15
Current: -4
-30.3
15
EBITDA Growth (3Y)(%) 18.30
HIG's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 89 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. HIG: 18.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HIG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -23.80 Max: 38.8
Current: 18.3
0
38.8
EPS Growth (3Y)(%) 33.90
HIG's EPS Growth (3Y)(%) is ranked higher than
81% of the 84 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.00 vs. HIG: 33.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HIG' s 10-Year EPS Growth (3Y)(%) Range
Min: -52.2  Med: 1.60 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

Q3 2014

HIG Guru Trades in Q3 2014

Ray Dalio 9,256 sh (New)
Dodge & Cox 7,510 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%)
Bruce Berkowitz 52,000 sh (unchged)
First Eagle Investment 200 sh (unchged)
Pioneer Investments 2,153,748 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
George Soros Sold Out
Bruce Berkowitz Sold Out
Louis Moore Bacon Sold Out
John Paulson 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
Q2 2015

HIG Guru Trades in Q2 2015

Jim Simons 314,800 sh (New)
Steven Cohen 249,700 sh (+359.01%)
Paul Tudor Jones 35,227 sh (+27.97%)
Joel Greenblatt 7,055 sh (+18.39%)
First Eagle Investment 200 sh (unchged)
Dodge & Cox 8,050 sh (unchged)
Richard Pzena 977,801 sh (unchged)
NWQ Managers Sold Out
Andreas Halvorsen Sold Out
Richard Snow 2,388,926 sh (-5.01%)
Arnold Schneider 611,632 sh (-6.85%)
Mario Gabelli 261,850 sh (-8.17%)
Pioneer Investments 2,810,342 sh (-12.44%)
David Dreman 62,017 sh (-14.84%)
Jeremy Grantham 95,000 sh (-19.97%)
» 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 (NYSE:BLK), Hartford Financial Services Group Inc (NYSE:HIG), Perrigo Co PLC (NYSE:PRGO) and Nike Inc. (NYSE:NKE) have all reached their 52-week highs. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 12.49
HIG's P/E(ttm) is ranked higher than
52% of the 118 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.80 vs. HIG: 12.49 )
Ranked among companies with meaningful P/E(ttm) only.
HIG' s 10-Year P/E(ttm) Range
Min: 5.03  Med: 11.18 Max: 1285.22
Current: 12.49
5.03
1285.22
Forward P/E 10.50
HIG's Forward P/E is ranked lower than
54% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.60 vs. HIG: 10.50 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.70
HIG's PE(NRI) is ranked higher than
51% of the 118 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.70 vs. HIG: 12.70 )
Ranked among companies with meaningful PE(NRI) only.
HIG' s 10-Year PE(NRI) Range
Min: 5.39  Med: 11.30 Max: 1478
Current: 12.7
5.39
1478
P/B 1.06
HIG's P/B is ranked higher than
55% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. HIG: 1.06 )
Ranked among companies with meaningful P/B only.
HIG' s 10-Year P/B Range
Min: 0.12  Med: 0.82 Max: 1.81
Current: 1.06
0.12
1.81
P/S 1.10
HIG's P/S is ranked lower than
52% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.08 vs. HIG: 1.10 )
Ranked among companies with meaningful P/S only.
HIG' s 10-Year P/S Range
Min: 0.09  Med: 0.84 Max: 1.39
Current: 1.1
0.09
1.39
PFCF 9.05
HIG's PFCF is ranked higher than
51% of the 86 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.11 vs. HIG: 9.05 )
Ranked among companies with meaningful PFCF only.
HIG' s 10-Year PFCF Range
Min: 0.45  Med: 6.18 Max: 54.5
Current: 9.05
0.45
54.5
POCF 8.25
HIG's POCF is ranked lower than
54% of the 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.62 vs. HIG: 8.25 )
Ranked among companies with meaningful POCF only.
HIG' s 10-Year POCF Range
Min: 0.24  Med: 4.85 Max: 15.84
Current: 8.25
0.24
15.84
EV-to-EBIT 8.83
HIG's EV-to-EBIT is ranked lower than
63% of the 113 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.82 vs. HIG: 8.83 )
Ranked among companies with meaningful EV-to-EBIT only.
HIG' s 10-Year EV-to-EBIT Range
Min: -1220.1  Med: 7.50 Max: 26.5
Current: 8.83
-1220.1
26.5
Shiller P/E 34.52
HIG's Shiller P/E is ranked lower than
90% of the 60 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.80 vs. HIG: 34.52 )
Ranked among companies with meaningful Shiller P/E only.
HIG' s 10-Year Shiller P/E Range
Min: 0.8  Med: 15.80 Max: 630.25
Current: 34.52
0.8
630.25
Days Sales Outstanding 70.08
HIG's Days Sales Outstanding is ranked lower than
68% of the 22 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 51.53 vs. HIG: 70.08 )
Ranked among companies with meaningful Days Sales Outstanding only.
HIG' s 10-Year Days Sales Outstanding Range
Min: 16.11  Med: 56.43 Max: 165.49
Current: 70.08
16.11
165.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.55
HIG's Dividend Yield is ranked lower than
99% of the 223 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.96 vs. HIG: 1.55 )
Ranked among companies with meaningful Dividend Yield only.
HIG' s 10-Year Dividend Yield Range
Min: 0.65  Med: 1.68 Max: 42.83
Current: 1.55
0.65
42.83
Dividend Payout 0.20
HIG's Dividend Payout is ranked higher than
89% of the 113 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.45 vs. HIG: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
HIG' s 10-Year Dividend Payout Range
Min: 0.04  Med: 0.22 Max: 10
Current: 0.2
0.04
10
Dividend growth (3y) 18.20
HIG's Dividend growth (3y) is ranked higher than
76% of the 45 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.60 vs. HIG: 18.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
HIG' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 4.80 Max: 35.7
Current: 18.2
0
35.7
Yield on cost (5-Year) 5.39
HIG's Yield on cost (5-Year) is ranked higher than
69% of the 223 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.22 vs. HIG: 5.39 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HIG' s 10-Year Yield on cost (5-Year) Range
Min: 2.26  Med: 5.84 Max: 148.9
Current: 5.39
2.26
148.9
Share Buyback Rate 1.30
HIG's Share Buyback Rate is ranked higher than
76% of the 63 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 vs. HIG: 1.30 )
Ranked among companies with meaningful Share Buyback Rate only.
HIG' s 10-Year Share Buyback Rate Range
Min: 2  Med: -3.10 Max: -15.9
Current: 1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
HIG's Price/Tangible Book is ranked higher than
66% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.38 vs. HIG: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
HIG' s 10-Year Price/Tangible Book Range
Min: 0.34  Med: 1.57 Max: 2.55
Current: 1.1
0.34
2.55
Price/Projected FCF 1.06
HIG's Price/Projected FCF is ranked lower than
75% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.68 vs. HIG: 1.06 )
Ranked among companies with meaningful Price/Projected FCF only.
HIG' s 10-Year Price/Projected FCF Range
Min: 0.06  Med: 0.58 Max: 1.04
Current: 1.06
0.06
1.04
Price/Median PS Value 1.31
HIG's Price/Median PS Value is ranked lower than
83% of the 121 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.98 vs. HIG: 1.31 )
Ranked among companies with meaningful Price/Median PS Value only.
HIG' s 10-Year Price/Median PS Value Range
Min: 0.23  Med: 1.05 Max: 1.42
Current: 1.31
0.23
1.42
Price/Graham Number 0.77
HIG's Price/Graham Number is ranked higher than
56% of the 106 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. HIG: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
HIG' s 10-Year Price/Graham Number Range
Min: 0.32  Med: 0.86 Max: 9.04
Current: 0.77
0.32
9.04
Earnings Yield (Greenblatt) (%) 11.34
HIG's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 132 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.00 vs. HIG: 11.34 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HIG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.8  Med: 11.60 Max: 6174
Current: 11.34
3.8
6174

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 18,787 19,152 19,601
EPS($) 3.87 4.40 5.00
EPS without NRI($) 3.87 4.40 5.00

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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