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

ETR:HFF Statistics

Total Valuation

ETR:HFF has a market cap or net worth of EUR 31.79 billion. The enterprise value is 35.67 billion.

Market Cap	31.79B
Enterprise Value	35.67B

Important Dates

The next estimated earnings date is Thursday, October 30, 2025.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	Sep 2, 2025

Share Statistics

Current Share Class	281.17M
Shares Outstanding	n/a
Shares Change (YoY)	-3.81%
Shares Change (QoQ)	-1.07%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	279.76M

Valuation Ratios

The trailing PE ratio is 11.58 and the forward PE ratio is 10.51.

PE Ratio	11.58
Forward PE	10.51
PS Ratio	1.36
PB Ratio	2.13
P/TBV Ratio	2.55
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.18, with an EV/FCF ratio of 7.33.

EV / Earnings	12.99
EV / Sales	1.52
EV / EBITDA	9.18
EV / EBIT	9.79
EV / FCF	7.33

Financial Position

The company has a current ratio of 1.75, with a Debt / Equity ratio of 0.25.

Current Ratio	1.75
Quick Ratio	1.01
Debt / Equity	0.25
Debt / EBITDA	0.96
Debt / FCF	0.76
Interest Coverage	20.05

Financial Efficiency

Return on equity (ROE) is 19.55% and return on invested capital (ROIC) is 12.73%.

Return on Equity (ROE)	19.55%
Return on Assets (ROA)	3.28%
Return on Invested Capital (ROIC)	12.73%
Return on Capital Employed (ROCE)	5.83%
Revenue Per Employee	1.22M
Profits Per Employee	143,730
Employee Count	19,100
Asset Turnover	0.34
Inventory Turnover	n/a

Taxes

In the past 12 months, ETR:HFF has paid 689.72 million in taxes.

Income Tax	689.72M
Effective Tax Rate	19.98%

Stock Price Statistics

The stock price has increased by +9.62% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+9.62%
50-Day Moving Average	109.60
200-Day Moving Average	109.30
Relative Strength Index (RSI)	56.36
Average Volume (20 Days)	11

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)	2.79

Income Statement

In the last 12 months, ETR:HFF had revenue of EUR 23.37 billion and earned 2.75 billion in profits. Earnings per share was 9.38.

Revenue	23.37B
Gross Profit	8.28B
Operating Income	3.64B
Pretax Income	3.45B
Net Income	2.75B
EBITDA	3.85B
EBIT	3.64B
Earnings Per Share (EPS)	9.38

Balance Sheet

The company has 3.25 billion in cash and 3.72 billion in debt, giving a net cash position of -3.58 billion.

Cash & Cash Equivalents	3.25B
Total Debt	3.72B
Net Cash	-3.58B
Net Cash Per Share	n/a
Equity (Book Value)	14.92B
Book Value Per Share	51.84
Working Capital	6.63B

Cash Flow

In the last 12 months, operating cash flow was 4.96 billion and capital expenditures -95.37 million, giving a free cash flow of 4.87 billion.

Operating Cash Flow	4.96B
Capital Expenditures	-95.37M
Free Cash Flow	4.87B
FCF Per Share	n/a

Margins

Gross margin is 35.42%, with operating and profit margins of 15.56% and 11.82%.

Gross Margin	35.42%
Operating Margin	15.56%
Pretax Margin	14.78%
Profit Margin	11.82%
EBITDA Margin	16.46%
EBIT Margin	15.56%
FCF Margin	20.83%

Dividends & Yields

This stock pays an annual dividend of 2.08, which amounts to a dividend yield of 1.81%.

Dividend Per Share	2.08
Dividend Yield	1.81%
Dividend Growth (YoY)	17.73%
Years of Dividend Growth	6
Payout Ratio	18.34%
Buyback Yield	3.81%
Shareholder Yield	5.62%
Earnings Yield	8.63%
FCF Yield	15.31%

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