The Hartford Insurance Group, Inc. (ETR:HFF)

ETR:HFF Statistics

Total Valuation

ETR:HFF has a market cap or net worth of EUR 31.14 billion. The enterprise value is 35.07 billion.

Market Cap	31.14B
Enterprise Value	35.07B

Important Dates

The last earnings date was Monday, October 27, 2025.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	Sep 2, 2025

Share Statistics

Current Share Class	278.65M
Shares Outstanding	n/a
Shares Change (YoY)	-3.93%
Shares Change (QoQ)	-0.94%
Owned by Insiders (%)	0.38%
Owned by Institutions (%)	94.14%
Float	277.25M

Valuation Ratios

The trailing PE ratio is 10.33 and the forward PE ratio is 9.95.

PE Ratio	10.33
Forward PE	9.95
PS Ratio	1.31
PB Ratio	1.98
P/TBV Ratio	2.34
P/FCF Ratio	6.20
P/OCF Ratio	6.10
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.29, with an EV/FCF ratio of 6.99.

EV / Earnings	11.63
EV / Sales	1.45
EV / EBITDA	8.29
EV / EBIT	8.77
EV / FCF	6.99

Financial Position

The company has a current ratio of 1.80, with a Debt / Equity ratio of 0.24.

Current Ratio	1.80
Quick Ratio	1.06
Debt / Equity	0.24
Debt / EBITDA	0.89
Debt / FCF	0.74
Interest Coverage	22.26

Financial Efficiency

Return on equity (ROE) is 20.07% and return on invested capital (ROIC) is 13.10%.

Return on Equity (ROE)	20.07%
Return on Assets (ROA)	3.48%
Return on Invested Capital (ROIC)	13.10%
Return on Capital Employed (ROCE)	6.20%
Revenue Per Employee	1.25M
Profits Per Employee	157,832
Employee Count	19,100
Asset Turnover	0.34
Inventory Turnover	n/a

Taxes

In the past 12 months, ETR:HFF has paid 735.53 million in taxes.

Income Tax	735.53M
Effective Tax Rate	19.52%

Stock Price Statistics

The stock price has increased by +4.67% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+4.67%
50-Day Moving Average	110.86
200-Day Moving Average	109.75
Relative Strength Index (RSI)	58.22
Average Volume (20 Days)	54

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	2.84

Income Statement

In the last 12 months, ETR:HFF had revenue of EUR 23.79 billion and earned 3.01 billion in profits. Earnings per share was 10.42.

Revenue	23.79B
Gross Profit	8.67B
Operating Income	3.95B
Pretax Income	3.77B
Net Income	3.01B
EBITDA	4.15B
EBIT	3.95B
Earnings Per Share (EPS)	10.42

Balance Sheet

The company has 3.72 billion in cash and 3.72 billion in debt, giving a net cash position of -3.60 billion.

Cash & Cash Equivalents	3.72B
Total Debt	3.72B
Net Cash	-3.60B
Net Cash Per Share	n/a
Equity (Book Value)	15.72B
Book Value Per Share	55.22
Working Capital	7.02B

Cash Flow

In the last 12 months, operating cash flow was 5.10 billion and capital expenditures -82.67 million, giving a free cash flow of 5.02 billion.

Operating Cash Flow	5.10B
Capital Expenditures	-82.67M
Free Cash Flow	5.02B
FCF Per Share	n/a

Margins

Gross margin is 36.43%, with operating and profit margins of 16.58% and 12.74%.

Gross Margin	36.43%
Operating Margin	16.58%
Pretax Margin	15.84%
Profit Margin	12.74%
EBITDA Margin	17.43%
EBIT Margin	16.58%
FCF Margin	21.10%

Dividends & Yields

This stock pays an annual dividend of 2.08, which amounts to a dividend yield of 1.86%.

Dividend Per Share	2.08
Dividend Yield	1.86%
Dividend Growth (YoY)	17.73%
Years of Dividend Growth	6
Payout Ratio	19.97%
Buyback Yield	3.93%
Shareholder Yield	5.79%
Earnings Yield	9.68%
FCF Yield	16.12%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5