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

LON:0J3H Statistics

Total Valuation

LON:0J3H has a market cap or net worth of GBP 25.71 billion. The enterprise value is 29.14 billion.

Market Cap	25.71B
Enterprise Value	29.14B

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	278.40M
Shares Outstanding	n/a
Shares Change (YoY)	-3.93%
Shares Change (QoQ)	-0.94%
Owned by Insiders (%)	0.38%
Owned by Institutions (%)	95.16%
Float	276.98M

Valuation Ratios

The trailing PE ratio is 9.77 and the forward PE ratio is 9.53.

PE Ratio	9.77
Forward PE	9.53
PS Ratio	1.24
PB Ratio	1.87
P/TBV Ratio	2.21
P/FCF Ratio	5.87
P/OCF Ratio	5.77
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.90, with an EV/FCF ratio of 6.65.

EV / Earnings	11.07
EV / Sales	1.39
EV / EBITDA	7.90
EV / EBIT	8.36
EV / FCF	6.65

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	1.09M
Profits Per Employee	137,765
Employee Count	19,100
Asset Turnover	0.34
Inventory Turnover	n/a

Taxes

In the past 12 months, LON:0J3H has paid 642.02 million in taxes.

Income Tax	642.02M
Effective Tax Rate	19.52%

Stock Price Statistics

The stock price has increased by +11.55% in the last 52 weeks. The beta is 0.68, so LON:0J3H's price volatility has been lower than the market average.

Beta (5Y)	0.68
52-Week Price Change	+11.55%
50-Day Moving Average	130.66
200-Day Moving Average	123.47
Relative Strength Index (RSI)	31.00
Average Volume (20 Days)	168

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)	2.80

Income Statement

In the last 12 months, LON:0J3H had revenue of GBP 20.77 billion and earned 2.63 billion in profits. Earnings per share was 9.09.

Revenue	20.77B
Gross Profit	7.57B
Operating Income	3.44B
Pretax Income	3.29B
Net Income	2.63B
EBITDA	3.62B
EBIT	3.44B
Earnings Per Share (EPS)	9.09

Balance Sheet

The company has 3.25 billion in cash and 3.25 billion in debt, giving a net cash position of -3.14 billion.

Cash & Cash Equivalents	3.25B
Total Debt	3.25B
Net Cash	-3.14B
Net Cash Per Share	n/a
Equity (Book Value)	13.73B
Book Value Per Share	48.20
Working Capital	6.12B

Cash Flow

In the last 12 months, operating cash flow was 4.45 billion and capital expenditures -72.16 million, giving a free cash flow of 4.38 billion.

Operating Cash Flow	4.45B
Capital Expenditures	-72.16M
Free Cash Flow	4.38B
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 1.59, which amounts to a dividend yield of 1.27%.

Dividend Per Share	1.59
Dividend Yield	1.27%
Dividend Growth (YoY)	8.34%
Years of Dividend Growth	8
Payout Ratio	16.98%
Buyback Yield	3.93%
Shareholder Yield	5.20%
Earnings Yield	10.23%
FCF Yield	17.04%

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