Hartford Insurance Group, Inc. (HIG.PG) stock analysis

P/E below its 5-year median

Hartford Insurance's P/E of 8.6 is below its own 5-year median of 11.5.

P/E below the industry

Hartford Insurance's P/E of 8.6 is below the Fire, Marine, and Casualty Insurance median of 10.4.

P/S below the industry

Hartford Insurance's price-to-sales of 1.24 is below the Fire, Marine, and Casualty Insurance median of 1.24.

P/B above the industry

Hartford Insurance's price-to-book of 1.83 is above the Fire, Marine, and Casualty Insurance median of 1.61.

Trading below fair value

The share price of $132.59 is below our fair value estimate of $149.44.

Margin of safety under 20%

The price is 11.3% below fair value, less than the 20% cushion we look for.

Revenue growing under 10% a year

Revenue grew 8.3% a year over the last three fiscal years, short of the 10% we look for.

EPS growing 10%+ a year

Diluted EPS grew 34.6% a year over the last three fiscal years.

Earnings growth accelerating

Net income grew 34.5% over the last twelve months, against a 5-year average of 17.2% a year.

Growing faster than the industry

Revenue grew 7.0% over the last twelve months; the Fire, Marine, and Casualty Insurance median is 7.0%.

Company guidance

No outlook found in earnings releases from the last twelve months.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity over 15%

Return on equity was 23.5% over the last twelve months and averaged 16.6% over five years.

Return on assets over 1%

Return on assets was 5.1%; for a bank or insurer, 1% or more is considered good.

Return on equity above the industry

Hartford Insurance's return on equity of 23.5% is above the Fire, Marine, and Casualty Insurance median of 18.2%.

Earnings grew over 5 years

Net income grew 17.2% a year on average over the last five fiscal years.

Net margin above its 5-year average

Net margin was 15.0% over the last twelve months, against a 5-year average of 10.8%.

Net margin above the industry

Hartford Insurance's net margin of 15.0% is above the Fire, Marine, and Casualty Insurance median of 12.9%.

Debt level

Needs debt and equity figures.

Debt trend

Needs a balance sheet from five years ago with positive equity.

Debt coverage

Needs operating cash flow.

Interest coverage

Interest expense is not reported separately.

Short-term liquidity

Insurers do not split assets into current and non-current.

Bankruptcy risk (Altman Z)

The Altman model does not apply to insurers.

Pays a dividend

Hartford Insurance paid dividends worth 1.8% of the share price over the last twelve months.

Yield below Treasuries

The 1.8% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 4.0% or more; Hartford Insurance yields 1.8%.

Dividend not cut

The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

Covered by earnings

Dividends take 14.3% of net income.

Covered by free cash flow

Dividends take 10.6% of free cash flow.