The Hartford Insurance Group (FRA:HFF) E10: €5.22 (As of Mar. 2026)


FRA:HFF The Hartford Insurance Group Inc FRA:HFF
76 GF Score
Price €114.80
GF Value €116.78
Valuation Fairly Valued
! 5 Warning Signs
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What is The Hartford Insurance Group E10?

The Hartford Insurance Group FRA:HFF -0.86% 76 E10 is €5.22 as of Mar. 2026. GuruFocus rates FRA:HFF with a GF Score™ of 76/100 and a GF Value™ of €116.78 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

The Hartford Insurance Group's adjusted earnings per share data for the three months ended in Mar. 2026 was €2.630. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €5.22 for the trailing ten years ended in Mar. 2026.

During the past 12 months, The Hartford Insurance Group's average E10 Growth Rate was 22.10% per year. During the past 3 years, the average E10 Growth Rate was 23.90% per year. During the past 5 years, the average E10 Growth Rate was 28.00% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of The Hartford Insurance Group was 67.20% per year. The lowest was -33.70% per year. And the median was -3.90% per year.

As of today (2026-07-02), The Hartford Insurance Group's current stock price is €114.80. The Hartford Insurance Group's E10 for the quarter that ended in Mar. 2026 was €5.22. The Hartford Insurance Group's Shiller PE Ratio of today is 21.99.

During the past 13 years, the highest Shiller PE Ratio of The Hartford Insurance Group was 413.42. The lowest was 18.87. And the median was 26.89.


The Hartford Insurance Group  (FRA:HFF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

The Hartford Insurance Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=114.80/5.22
=21.99

* 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 Shiller P/E Ratio of The Hartford Insurance Group was 413.42. The lowest was 18.87. And the median was 26.89.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


The Hartford Insurance Group E10 Related Terms


The Hartford Insurance Group E10 Historical Data

* Premium members only.

The historical data trend for The Hartford Insurance Group's E10 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 E10 Chart

The Hartford Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.02 2.84 3.51 4.62 4.87

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
E10 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 4.47 4.34 4.60 4.87 5.22

FRA:HFF vs ACGL, AIG, PLGO: E10 Comparison

For the Insurance - Diversified subindustry, The Hartford Insurance Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where The Hartford Insurance Group's Shiller PE Ratio falls into.


FRA:HFF
76GF Score
The Hartford Insurance Group Inc FRA:HFF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Hartford Insurance Group E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.63/330.2130*330.2130
=2.630

Current CPI (Mar. 2026) = 330.2130.

The Hartford Insurance Group Quarterly Data

per share eps CPI Adj_EPS
201606 0.482 241.018 0.660
201609 0.999 241.428 1.366
201612 -0.175 241.432 -0.239
201703 0.935 243.801 1.266
201706 -0.097 244.955 -0.131
201709 0.537 246.819 0.718
201712 -8.765 246.524 -11.741
201803 1.330 249.554 1.760
201806 1.368 251.989 1.793
201809 1.017 252.439 1.330
201812 0.457 251.233 0.601
201903 1.517 254.202 1.971
201906 0.903 256.143 1.164
201909 1.298 256.759 1.669
201912 1.341 256.974 1.723
202003 0.670 258.115 0.857
202006 1.146 257.797 1.468
202009 1.070 260.280 1.357
202012 1.208 260.474 1.531
202103 0.563 264.877 0.702
202106 2.083 271.696 2.532
202109 1.156 274.310 1.392
202112 1.859 278.802 2.202
202203 1.180 287.504 1.355
202206 1.249 296.311 1.392
202209 1.030 296.808 1.146
202212 1.709 296.797 1.901
202303 1.550 301.836 1.696
202306 1.597 305.109 1.728
202309 1.958 307.789 2.101
202312 2.302 306.746 2.478
202403 2.272 312.332 2.402
202406 2.267 314.175 2.383
202409 2.307 315.301 2.416
202412 2.750 315.605 2.877
202503 1.989 319.799 2.054
202506 2.982 322.561 3.053
202509 3.212 324.800 3.266
202512 3.399 324.054 3.464
202603 2.630 330.213 2.630

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €5.22 mean?
The Hartford Insurance Group (FRA:HFF) has a E10 of €5.22 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on The Hartford Insurance Group and its competitors.
Is The Hartford Insurance Group's E10 too high?
The Hartford Insurance Group's current E10 is €5.22. Overall, The Hartford Insurance Group has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Hartford Insurance Group's E10 compare to ACGL and AIG?
The Hartford Insurance Group's E10 of €5.22 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on The Hartford Insurance Group and its competitors. The Hartford Insurance Group's current E10 is €5.22. 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 (FRA:HFF) is currently considered Fairly Valued. The stock's GF Value™ is €116.78, compared to a current price of €114.80 — trading 1.7% below its estimated fair value. The current E10 is €5.22. The Hartford Insurance Group's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For The Hartford Insurance Group (FRA:HFF), the current E10 is €5.22 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 (FRA:HFF) Overvalued in 2026?

Based on GuruFocus' analysis, The Hartford Insurance Group stock appears to be undervalued. The current stock price of €114.80 is trading 1.7% below its estimated GF Value™ of €116.78. GuruFocus considers The Hartford Insurance Group to be Fairly Valued.

Key valuation signals for FRA:HFF:

  • E10: €5.22
  • GF Value™: €116.78 vs. price of €114.80 (1.7% below fair value)
  • GF Score™: 76/100 with 5 warning signs

No single metric tells the full story. See the FRA:HFF 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.
76GF Score

Get the complete analysis for FRA:HFF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€114.80
Price
€116.78
GF Value