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The Hartford Insurance Group (STU:HFF) Cyclically Adjusted PB Ratio : 2.27 (As of May. 22, 2025)


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What is The Hartford Insurance Group Cyclically Adjusted PB Ratio?

As of today (2025-05-22), The Hartford Insurance Group's current share price is €114.00. The Hartford Insurance Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was €50.26. The Hartford Insurance Group's Cyclically Adjusted PB Ratio for today is 2.27.

The historical rank and industry rank for The Hartford Insurance Group's Cyclically Adjusted PB Ratio or its related term are showing as below:

STU:HFF' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.66   Med: 1.17   Max: 2.4
Current: 2.38

During the past years, The Hartford Insurance Group's highest Cyclically Adjusted PB Ratio was 2.40. The lowest was 0.66. And the median was 1.17.

STU:HFF's Cyclically Adjusted PB Ratio is ranked worse than
80.89% of 403 companies
in the Insurance industry
Industry Median: 1.22 vs STU:HFF: 2.38

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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

The Hartford Insurance Group's adjusted book value per share data for the three months ended in Mar. 2025 was €53.566. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €50.26 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


The Hartford Insurance Group Cyclically Adjusted PB Ratio Historical Data

The historical data trend for The Hartford Insurance Group's Cyclically Adjusted PB Ratio 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.

* Premium members only.

The Hartford Insurance Group Cyclically Adjusted PB Ratio Chart

The Hartford Insurance Group Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.02 1.36 1.46 1.52 2.03

The Hartford Insurance Group Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio 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 1.92 1.87 2.18 2.03 2.27

Competitive Comparison of The Hartford Insurance Group's Cyclically Adjusted PB Ratio

For the Insurance - Property & Casualty subindustry, The Hartford Insurance Group's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, The Hartford Insurance Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where The Hartford Insurance Group's Cyclically Adjusted PB Ratio falls into.


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The Hartford Insurance Group Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

The Hartford Insurance Group's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=114.00/50.26
=2.27

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, The Hartford Insurance Group's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=53.566/134.9266*134.9266
=53.566

Current CPI (Mar. 2025) = 134.9266.

The Hartford Insurance Group Quarterly Data

Book Value per Share CPI Adj_Book
201506 39.007 100.684 52.273
201509 39.434 100.392 52.999
201512 40.305 99.792 54.495
201603 41.113 100.470 55.213
201606 42.580 101.688 56.498
201609 43.789 101.861 58.004
201612 42.851 101.863 56.760
201703 43.076 102.862 56.504
201706 42.408 103.349 55.365
201709 40.439 104.136 52.396
201712 31.954 104.011 41.452
201803 29.767 105.290 38.146
201806 29.968 106.317 38.032
201809 30.414 106.507 38.530
201812 31.246 105.998 39.774
201903 34.349 107.251 43.213
201906 36.609 108.070 45.707
201909 39.602 108.329 49.325
201912 39.888 108.420 49.640
202003 37.754 108.902 46.776
202006 41.506 108.767 51.488
202009 41.398 109.815 50.865
202012 41.782 109.897 51.298
202103 40.807 111.754 49.268
202106 42.594 114.631 50.135
202109 43.591 115.734 50.820
202112 46.265 117.630 53.068
202203 42.730 121.301 47.530
202206 40.468 125.017 43.676
202209 39.895 125.227 42.985
202212 39.970 125.222 43.068
202303 41.958 127.348 44.455
202306 41.534 128.729 43.534
202309 41.345 129.860 42.958
202312 46.063 129.419 48.023
202403 46.910 131.776 48.031
202406 48.493 132.554 49.361
202409 51.659 133.029 52.396
202412 53.513 133.157 54.224
202503 53.566 134.927 53.566

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.


The Hartford Insurance Group  (STU:HFF) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


The Hartford Insurance Group Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of The Hartford Insurance Group's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


The Hartford Insurance Group Business Description

Traded in Other Exchanges
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.

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