The Hartford Insurance Group (MEX:HIG) Cyclically Adjusted FCF per Share: MXN128.94 (As of Mar. 2026)


MEX:HIG The Hartford Insurance Group Inc MEX:HIG
50 GF Score
Price MXN2,306.50
GF Value MXN1,288.41
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is The Hartford Insurance Group Cyclically Adjusted FCF per Share?

The Hartford Insurance Group MEX:HIG 50 Cyclically Adjusted FCF per Share is MXN128.94 as of Mar. 2026. GuruFocus rates MEX:HIG with a GF Score™ of 50/100 and a GF Value™ of MXN1,288.41 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

The Hartford Insurance Group's adjusted free cash flow per share for the three months ended in Mar. 2026 was MXN65.327. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is MXN128.94 for the trailing ten years ended in Mar. 2026.

During the past 12 months, The Hartford Insurance Group's average Cyclically Adjusted FCF Growth Rate was 14.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 15.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 15.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 4.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of The Hartford Insurance Group was 15.40% per year. The lowest was -14.00% per year. And the median was 0.50% per year.

As of today (2026-07-13), The Hartford Insurance Group's current stock price is MXN2306.50. The Hartford Insurance Group's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was MXN128.94. The Hartford Insurance Group's Cyclically Adjusted Price-to-FCF of today is 17.89.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of The Hartford Insurance Group was 11.35. The lowest was 4.47. And the median was 8.79.


The Hartford Insurance Group  (MEX:HIG) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

The Hartford Insurance Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=2306.50/128.94
=17.89

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of The Hartford Insurance Group was 11.35. The lowest was 4.47. And the median was 8.79.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


The Hartford Insurance Group Cyclically Adjusted FCF per Share Related Terms


The Hartford Insurance Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for The Hartford Insurance Group's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The Hartford Insurance Group Cyclically Adjusted FCF per Share Chart

The Hartford Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 156.07 134.99 121.77

The Hartford Insurance Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 123.18 123.55 122.05 121.77 128.94

MEX:HIG vs ACGL, AIG, PLGO: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Diversified subindustry, The Hartford Insurance Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


The Hartford Insurance Group Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, The Hartford Insurance Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where The Hartford Insurance Group's Cyclically Adjusted Price-to-FCF falls into.


MEX:HIG
50GF Score
The Hartford Insurance Group Inc MEX:HIG
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Hartford Insurance Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, The Hartford Insurance Group's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=65.327/330.2130*330.2130
=65.327

Current CPI (Mar. 2026) = 330.2130.

The Hartford Insurance Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 16.935 241.018 23.202
201609 26.886 241.428 36.773
201612 33.314 241.432 45.564
201703 9.151 243.801 12.394
201706 30.522 244.955 41.145
201709 29.324 246.819 39.232
201712 29.753 246.524 39.853
201803 33.599 249.554 44.459
201806 29.026 251.989 38.036
201809 28.820 252.439 37.699
201812 51.177 251.233 67.265
201903 13.776 254.202 17.895
201906 36.882 256.143 47.547
201909 76.234 256.759 98.043
201912 52.444 256.974 67.391
202003 17.857 258.115 22.845
202006 60.452 257.797 77.433
202009 83.400 260.280 105.808
202012 64.931 260.474 82.316
202103 41.537 264.877 51.783
202106 45.190 271.696 54.923
202109 73.113 274.310 88.013
202112 69.193 278.802 81.952
202203 23.494 287.504 26.984
202206 56.267 296.311 62.705
202209 90.989 296.808 101.230
202212 62.307 296.797 69.322
202303 46.505 301.836 50.877
202306 -5.417 305.109 -5.863
202309 96.903 307.789 103.963
202312 86.929 306.746 93.579
202403 57.423 312.332 60.710
202406 73.244 314.175 76.983
202409 107.089 315.301 112.154
202412 134.599 315.605 140.829
202503 66.623 319.799 68.793
202506 81.875 322.561 83.817
202509 115.408 324.800 117.331
202512 112.265 324.054 114.399
202603 65.327 330.213 65.327

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of MXN128.94 mean?
The Hartford Insurance Group (MEX:HIG) has a Cyclically Adjusted FCF per Share of MXN128.94 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on The Hartford Insurance Group and its competitors.
Is The Hartford Insurance Group's Cyclically Adjusted FCF per Share too high?
The Hartford Insurance Group's current Cyclically Adjusted FCF per Share is MXN128.94. Overall, The Hartford Insurance Group has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Hartford Insurance Group's Cyclically Adjusted FCF per Share compare to ACGL and AIG?
The Hartford Insurance Group's Cyclically Adjusted FCF per Share of MXN128.94 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on The Hartford Insurance Group and its competitors. The Hartford Insurance Group's current Cyclically Adjusted FCF per Share is MXN128.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Hartford Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, The Hartford Insurance Group (MEX:HIG) is currently considered Significantly Overvalued. The stock's GF Value™ is MXN1,288.41, compared to a current price of MXN2,306.50 — trading 79% above its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN128.94. The Hartford Insurance Group's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For The Hartford Insurance Group (MEX:HIG), the current Cyclically Adjusted FCF per Share is MXN128.94 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is The Hartford Insurance Group (MEX:HIG) Overvalued in 2026?

Based on GuruFocus' analysis, The Hartford Insurance Group stock appears to be overvalued. The current stock price of MXN2,306.50 is trading 79% above its estimated GF Value™ of MXN1,288.41. GuruFocus considers The Hartford Insurance Group to be Significantly Overvalued.

Key valuation signals for MEX:HIG:

  • Cyclically Adjusted FCF per Share: MXN128.94
  • GF Value™: MXN1,288.41 vs. price of MXN2,306.50 (79% above fair value)
  • GF Score™: 50/100 with 6 warning signs

No single metric tells the full story. See the MEX:HIG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


The Hartford Insurance Group Business Description

Address One Hartford Plaza, Hartford, CT, USA, 06155
The Hartford Insurance Group Inc. provides property and casualty insurance, group benefits, and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust, and integrity. The Company currently conducts business principally in five reportable segments, including Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds, as well as a Corporate category. The company generates a majority of its revenue from Business Insurance.
50GF Score

Get the complete analysis for MEX:HIG

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN2,306.50
Price
MXN1,288.41
GF Value