The historical rank and industry rank for The Hartford Insurance Group's EV-to-FCF or its related term are showing as below:
FRA:HFF'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.73 Med: 7.63 Max: 14.39
Current: 7.09
During the past 13 years, the highest EV-to-FCF of The Hartford Insurance Group was 14.39. The lowest was 4.73. And the median was 7.63.
FRA:HFF's EV-to-FCF is ranked better than 61.27% of 395
companies
in the Insurance industry
Industry Median: 9.29
vs FRA:HFF: 7.09
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
The Hartford Insurance Group (FRA:HFF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
The Hartford Insurance Group's PE Ratio (TTM) for today is calculated as:
The Hartford Insurance Group's share price for today is €114.80.
The Hartford Insurance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €12.223.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
The Hartford Insurance Group EV-to-FCF Related Terms
The Hartford Insurance Group EV-to-FCF Historical Data
* 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.
For the Insurance - Diversified subindustry, The Hartford Insurance Group's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, The Hartford Insurance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where The Hartford Insurance Group's EV-to-FCF falls into.
The Hartford Insurance Group's current Enterprise Value is €36,217 Mil.
The Hartford Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4,994 Mil.
* 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 (FRA:HFF) has a EV-to-FCF of 7.25 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on The Hartford Insurance Group and its competitors. This is near median its historical median of 7.63. Over the past decade, The Hartford Insurance Group's EV-to-FCF has ranged from 4.73 to 14.39. According to the industry distribution chart, The Hartford Insurance Group ranks #153 out of 395 companies in the Insurance industry, placing it in the top 38.7%.
Is The Hartford Insurance Group's EV-to-FCF too high?
The Hartford Insurance Group's current EV-to-FCF of 7.25 is near median its 10-year median of 7.63. Over the past 10 years, this metric has ranged from a low of 4.73 to a high of 14.39. The Insurance industry median EV-to-FCF is 9.29. The Hartford Insurance Group's value of 7.25 is 22% below this industry median. Based on the distribution chart, The Hartford Insurance Group ranks #153 out of 395 companies in the Insurance industry, which is above the industry midpoint. 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 EV-to-FCF compare to ACGL and AIG?
According to the Insurance industry distribution chart, The Hartford Insurance Group ranks #153 out of 395 companies for EV-to-FCF. This puts The Hartford Insurance Group in the upper half of its industry. The industry median EV-to-FCF is 9.29. The Hartford Insurance Group's value of 7.25 is 22% below this benchmark. Historically, The Hartford Insurance Group's own EV-to-FCF has ranged from 4.73 to 14.39 over the past decade. While the company's 10-year median is 7.63 vs. the industry median of 9.29, The Hartford Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.29, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Hartford Insurance Group's current EV-to-FCF of 7.25 is 22% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on The Hartford Insurance Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Hartford Insurance Group's current EV-to-FCF is 7.25, which is near median its own 10-year median of 7.63. 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 EV-to-FCF is 7.25, which is near median its 10-year median of 7.63 and 22% below the Insurance industry median of 9.29. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For The Hartford Insurance Group (FRA:HFF), the current EV-to-FCF is 7.25 as of Jul. 02, 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:
EV-to-FCF: 7.25 (near median its 10-year median of 7.63)
GF Value™: €116.78 vs. price of €114.80 (1.7% below fair value)
Industry Position: 22% below the Insurance median (#153 of 395)
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 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
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