The Hartford Insurance Group, Inc. (LON:0J3H)

LON:0J3H Statistics

Total Valuation

LON:0J3H has a market cap or net worth of GBP 25.82 billion. The enterprise value is 29.20 billion.

Market Cap	25.82B
Enterprise Value	29.20B

Important Dates

The next estimated earnings date is Monday, July 28, 2025.

Earnings Date	Jul 28, 2025
Ex-Dividend Date	Jun 2, 2025

Share Statistics

Current Share Class	284.10M
Shares Outstanding	n/a
Shares Change (YoY)	-3.85%
Shares Change (QoQ)	-1.16%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	282.49M

Valuation Ratios

The trailing PE ratio is 11.25 and the forward PE ratio is 10.20.

PE Ratio	11.25
Forward PE	10.20
PS Ratio	1.24
PB Ratio	1.98
P/TBV Ratio	2.39
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.44, with an EV/FCF ratio of 6.66.

EV / Earnings	12.71
EV / Sales	1.47
EV / EBITDA	9.44
EV / EBIT	10.03
EV / FCF	6.66

Financial Position

The company has a current ratio of 1.79, with a Debt / Equity ratio of 0.26.

Current Ratio	1.79
Quick Ratio	1.00
Debt / Equity	0.26
Debt / EBITDA	1.04
Debt / FCF	0.77
Interest Coverage	18.00

Financial Efficiency

Return on equity (ROE) is 18.49% and return on invested capital (ROIC) is 12.00%.

Return on Equity (ROE)	18.49%
Return on Assets (ROA)	3.08%
Return on Invested Capital (ROIC)	12.00%
Return on Capital Employed (ROCE)	5.44%
Revenue Per Employee	1.09M
Profits Per Employee	120,232
Employee Count	19,100
Asset Turnover	0.34
Inventory Turnover	n/a

Taxes

In the past 12 months, LON:0J3H has paid 567.33 million in taxes.

Income Tax	567.33M
Effective Tax Rate	19.70%

Stock Price Statistics

The stock price has increased by +20.15% in the last 52 weeks. The beta is 0.69, so LON:0J3H's price volatility has been lower than the market average.

Beta (5Y)	0.69
52-Week Price Change	+20.15%
50-Day Moving Average	125.84
200-Day Moving Average	118.72
Relative Strength Index (RSI)	51.00
Average Volume (20 Days)	694

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)	2.02

Income Statement

In the last 12 months, LON:0J3H had revenue of GBP 20.86 billion and earned 2.30 billion in profits. Earnings per share was 7.77.

Revenue	20.86B
Gross Profit	7.23B
Operating Income	3.05B
Pretax Income	2.88B
Net Income	2.30B
EBITDA	3.22B
EBIT	3.05B
Earnings Per Share (EPS)	7.77

Balance Sheet

The company has 2.71 billion in cash and 3.38 billion in debt, giving a net cash position of -3.27 billion.

Cash & Cash Equivalents	2.71B
Total Debt	3.38B
Net Cash	-3.27B
Net Cash Per Share	n/a
Equity (Book Value)	13.04B
Book Value Per Share	44.82
Working Capital	6.02B

Cash Flow

In the last 12 months, operating cash flow was 4.49 billion and capital expenditures -102.94 million, giving a free cash flow of 4.38 billion.

Operating Cash Flow	4.49B
Capital Expenditures	-102.94M
Free Cash Flow	4.38B
FCF Per Share	n/a

Margins

Gross margin is 34.66%, with operating and profit margins of 14.63% and 11.09%.

Gross Margin	34.66%
Operating Margin	14.63%
Pretax Margin	13.81%
Profit Margin	11.09%
EBITDA Margin	15.42%
EBIT Margin	14.63%
FCF Margin	21.02%

Dividends & Yields

This stock pays an annual dividend of 1.56, which amounts to a dividend yield of 1.28%.

Dividend Per Share	1.56
Dividend Yield	1.28%
Dividend Growth (YoY)	8.07%
Years of Dividend Growth	8
Payout Ratio	20.11%
Buyback Yield	3.85%
Shareholder Yield	5.13%
Earnings Yield	8.89%
FCF Yield	16.98%

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