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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.07
HIG's Cash-to-Debt is ranked lower than
97% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. HIG: 0.07 )
Ranked among companies with meaningful Cash-to-Debt only.
HIG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.23 Max: N/A
Current: 0.07
Equity-to-Asset 0.08
HIG's Equity-to-Asset is ranked lower than
85% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. HIG: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
HIG' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.05 Max: 0.08
Current: 0.08
0.03
0.08
Interest Coverage 2.71
HIG's Interest Coverage is ranked lower than
92% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. HIG: 2.71 )
Ranked among companies with meaningful Interest Coverage only.
HIG' s Interest Coverage Range Over the Past 10 Years
Min: 0.39  Med: 4.47 Max: 15.23
Current: 2.71
0.39
15.23
Beneish M-Score: -2.48
WACC vs ROIC
6.79%
4.85%
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 : 3/10

vs
industry
vs
history
Operating Margin % 4.90
HIG's Operating Margin % is ranked lower than
68% of the 189 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.08 vs. HIG: 4.90 )
Ranked among companies with meaningful Operating Margin % only.
HIG' s Operating Margin % Range Over the Past 10 Years
Min: -49.8  Med: 5.76 Max: 15.45
Current: 4.9
-49.8
15.45
Net Margin % 5.12
HIG's Net Margin % is ranked lower than
64% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.05 vs. HIG: 5.12 )
Ranked among companies with meaningful Net Margin % only.
HIG' s Net Margin % Range Over the Past 10 Years
Min: -29.82  Med: 3.79 Max: 11.38
Current: 5.12
-29.82
11.38
ROE % 5.33
HIG's ROE % is ranked lower than
77% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.04 vs. HIG: 5.33 )
Ranked among companies with meaningful ROE % only.
HIG' s ROE % Range Over the Past 10 Years
Min: -19.37  Med: 3.73 Max: 15.49
Current: 5.33
-19.37
15.49
ROA % 0.42
HIG's ROA % is ranked lower than
80% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.47 vs. HIG: 0.42 )
Ranked among companies with meaningful ROA % only.
HIG' s ROA % Range Over the Past 10 Years
Min: -0.85  Med: 0.27 Max: 0.86
Current: 0.42
-0.85
0.86
3-Year Revenue Growth Rate 3.20
HIG's 3-Year Revenue Growth Rate is ranked lower than
59% of the 164 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.80 vs. HIG: 3.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HIG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -30.3  Med: 2 Max: 14.8
Current: 3.2
-30.3
14.8
3-Year EBITDA Growth Rate -2.40
HIG's 3-Year EBITDA Growth Rate is ranked lower than
59% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 vs. HIG: -2.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HIG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.55 Max: 79.9
Current: -2.4
0
79.9
3-Year EPS without NRI Growth Rate -3.20
HIG's 3-Year EPS without NRI Growth Rate is ranked lower than
65% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.60 vs. HIG: -3.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HIG' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -35.1  Med: 5.15 Max: 117.9
Current: -3.2
-35.1
117.9
GuruFocus has detected 2 Warning Signs with The Hartford Financial Services Group Inc $HIG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HIG's 30-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Insurance » Insurance - Diversified    NAICS: 524126    SIC: 6331
Compare:NYSE:AIZ, NYSE:ORI, NYSE:KMPR, NYSE:GNW, NYSE:HMN, LSE:GBGI, OTCPK:SUND, NYSE:AIG, NYSE:BRK.A, NYSE:BRK.B » details
Traded in other countries:HFF.Germany,
Headquarter Location:USA
Hartford Financial Services Group Inc is an insurance & financial services company. Its segments are Commercial Lines, Personal Lines, Property & Casualty Other Operations, Group Benefits, Mutual Funds & Talcott Resolution and Corporate category.

Founded in 1810, Hartford Financial Services offers a diverse range of property and casualty insurance, group benefits, and mutual fund services to a customer base of individuals and corporations. While once a leader in annuity products, the line is now in runoff via the Talcott Resolution. Products are distributed via financial institutions, direct Internet sales, affinity groups, and a vast network of independent agents.

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Ratios

vs
industry
vs
history
PE Ratio 20.83
HIG's PE Ratio is ranked lower than
77% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.33 vs. HIG: 20.83 )
Ranked among companies with meaningful PE Ratio only.
HIG' s PE Ratio Range Over the Past 10 Years
Min: 4.82  Med: 12.34 Max: 138
Current: 20.83
4.82
138
Forward PE Ratio 12.35
HIG's Forward PE Ratio is ranked lower than
59% of the 22 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.42 vs. HIG: 12.35 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 20.83
HIG's PE Ratio without NRI is ranked lower than
77% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.33 vs. HIG: 20.83 )
Ranked among companies with meaningful PE Ratio without NRI only.
HIG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.16  Med: 12.41 Max: 129.64
Current: 20.83
5.16
129.64
Price-to-Owner-Earnings 15.91
HIG's Price-to-Owner-Earnings is ranked lower than
71% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.43 vs. HIG: 15.91 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HIG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.02  Med: 7.85 Max: 276.69
Current: 15.91
3.02
276.69
PB Ratio 1.12
HIG's PB Ratio is ranked higher than
58% of the 193 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. HIG: 1.12 )
Ranked among companies with meaningful PB Ratio only.
HIG' s PB Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.83 Max: 1.77
Current: 1.12
0.12
1.77
PS Ratio 1.07
HIG's PS Ratio is ranked higher than
50% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.09 vs. HIG: 1.07 )
Ranked among companies with meaningful PS Ratio only.
HIG' s PS Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.88 Max: 1.39
Current: 1.07
0.09
1.39
Price-to-Free-Cash-Flow 11.67
HIG's Price-to-Free-Cash-Flow is ranked lower than
62% of the 107 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.28 vs. HIG: 11.67 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HIG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.25  Med: 5.02 Max: 16.6
Current: 11.67
0.25
16.6
Price-to-Operating-Cash-Flow 10.56
HIG's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.13 vs. HIG: 10.56 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HIG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.24  Med: 4.85 Max: 15.81
Current: 10.56
0.24
15.81
EV-to-EBIT 15.33
HIG's EV-to-EBIT is ranked lower than
82% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.59 vs. HIG: 15.33 )
Ranked among companies with meaningful EV-to-EBIT only.
HIG' s EV-to-EBIT Range Over the Past 10 Years
Min: -212.1  Med: 8.1 Max: 80.1
Current: 15.33
-212.1
80.1
EV-to-EBITDA 11.61
HIG's EV-to-EBITDA is ranked lower than
73% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.04 vs. HIG: 11.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
HIG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9.9  Med: 7.2 Max: 40.2
Current: 11.61
-9.9
40.2
PEG Ratio 1.22
HIG's PEG Ratio is ranked higher than
54% of the 69 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.27 vs. HIG: 1.22 )
Ranked among companies with meaningful PEG Ratio only.
HIG' s PEG Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.55 Max: 6.49
Current: 1.22
0.33
6.49
Shiller PE Ratio 73.32
HIG's Shiller PE Ratio is ranked lower than
96% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.40 vs. HIG: 73.32 )
Ranked among companies with meaningful Shiller PE Ratio only.
HIG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.97  Med: 11.97 Max: 74.87
Current: 73.32
0.97
74.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.75
HIG's Dividend Yield % is ranked lower than
94% of the 267 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. HIG: 1.75 )
Ranked among companies with meaningful Dividend Yield % only.
HIG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.65  Med: 1.77 Max: 42.83
Current: 1.75
0.65
42.83
Dividend Payout Ratio 0.35
HIG's Dividend Payout Ratio is ranked higher than
96% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. HIG: 0.35 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HIG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.22 Max: 1.05
Current: 0.35
0.08
1.05
3-Year Dividend Growth Rate 19.80
HIG's 3-Year Dividend Growth Rate is ranked higher than
79% of the 78 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.50 vs. HIG: 19.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
HIG' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.9 Max: 35.7
Current: 19.8
0
35.7
Forward Dividend Yield % 1.78
HIG's Forward Dividend Yield % is ranked lower than
91% of the 248 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.02 vs. HIG: 1.78 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.19
HIG's 5-Year Yield-on-Cost % is ranked lower than
63% of the 296 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.17 vs. HIG: 4.19 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HIG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.56  Med: 4.24 Max: 102.64
Current: 4.19
1.56
102.64
3-Year Average Share Buyback Ratio 6.20
HIG's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 96 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.40 vs. HIG: 6.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HIG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13.8  Med: -2.5 Max: 6.2
Current: 6.2
-13.8
6.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.16
HIG's Price-to-Tangible-Book is ranked higher than
62% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.47 vs. HIG: 1.16 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HIG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.34  Med: 1.49 Max: 2.55
Current: 1.16
0.34
2.55
Price-to-Intrinsic-Value-Projected-FCF 0.60
HIG's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
55% of the 71 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.71 vs. HIG: 0.60 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HIG' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.05  Med: 0.49 Max: 0.89
Current: 0.6
0.05
0.89
Price-to-Median-PS-Value 1.23
HIG's Price-to-Median-PS-Value is ranked lower than
75% of the 186 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 vs. HIG: 1.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HIG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.22  Med: 1.02 Max: 1.33
Current: 1.23
0.22
1.33
Price-to-Peter-Lynch-Fair-Value 0.83
HIG's Price-to-Peter-Lynch-Fair-Value is ranked higher than
54% of the 26 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.93 vs. HIG: 0.83 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HIG' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.46  Med: 0.83 Max: 1.32
Current: 0.83
0.46
1.32
Price-to-Graham-Number 1.04
HIG's Price-to-Graham-Number is ranked lower than
62% of the 163 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.86 vs. HIG: 1.04 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HIG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.34  Med: 0.91 Max: 10.19
Current: 1.04
0.34
10.19
Earnings Yield (Greenblatt) % 6.52
HIG's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 189 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.89 vs. HIG: 6.52 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HIG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -10675.5  Med: 11.3 Max: 5712.7
Current: 6.52
-10675.5
5712.7
Forward Rate of Return (Yacktman) % 48.33
HIG's Forward Rate of Return (Yacktman) % is ranked higher than
87% of the 69 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 15.28 vs. HIG: 48.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HIG' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.6  Med: 23.3 Max: 388.6
Current: 48.33
0.6
388.6

More Statistics

Revenue (TTM) (Mil) $18,564.00
EPS (TTM) $ 2.47
Beta0.79
Short Percentage of Float0.81%
52-Week Range $38.92 - 52.66
Shares Outstanding (Mil)367.36

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 11,245 11,428 11,690
EPS ($) 4.17 4.57 5.03
EPS without NRI ($) 4.17 4.57 5.03
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.95 1.03 1.12
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