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

LON:0J3H Statistics

Total Valuation

LON:0J3H has a market cap or net worth of GBP 29.35 billion. The enterprise value is 32.90 billion.

Market Cap	29.35B
Enterprise Value	32.90B

Important Dates

The next estimated earnings date is Thursday, April 30, 2026.

Earnings Date	Apr 30, 2026
Ex-Dividend Date	Mar 2, 2026

Share Statistics

Current Share Class	275.86M
Shares Outstanding	n/a
Shares Change (YoY)	-4.05%
Shares Change (QoQ)	-0.84%
Owned by Insiders (%)	0.39%
Owned by Institutions (%)	94.47%
Float	274.40M

Valuation Ratios

The trailing PE ratio is 10.35 and the forward PE ratio is 10.56.

PE Ratio	10.35
Forward PE	10.56
PS Ratio	1.39
PB Ratio	2.08
P/TBV Ratio	2.44
P/FCF Ratio	6.87
P/OCF Ratio	6.67
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.34, with an EV/FCF ratio of 7.70.

EV / Earnings	11.61
EV / Sales	1.55
EV / EBITDA	8.34
EV / EBIT	8.85
EV / FCF	7.70

Financial Position

The company has a current ratio of 1.84, with a Debt / Equity ratio of 0.24.

Current Ratio	1.84
Quick Ratio	1.08
Debt / Equity	0.24
Debt / EBITDA	0.86
Debt / FCF	0.79
Interest Coverage	24.00

Financial Efficiency

Return on equity (ROE) is 21.66% and return on invested capital (ROIC) is 17.27%.

Return on Equity (ROE)	21.66%
Return on Assets (ROA)	3.72%
Return on Invested Capital (ROIC)	17.27%
Return on Capital Employed (ROCE)	6.55%
Weighted Average Cost of Capital (WACC)	6.74%
Revenue Per Employee	1.10M
Profits Per Employee	147,633
Employee Count	19,200
Asset Turnover	0.34
Inventory Turnover	n/a

Taxes

In the past 12 months, LON:0J3H has paid 686.53 million in taxes.

Income Tax	686.53M
Effective Tax Rate	19.41%

Stock Price Statistics

The stock price has increased by +18.18% in the last 52 weeks. The beta is 0.52, so LON:0J3H's price volatility has been lower than the market average.

Beta (5Y)	0.52
52-Week Price Change	+18.18%
50-Day Moving Average	137.32
200-Day Moving Average	131.16
Relative Strength Index (RSI)	57.01
Average Volume (20 Days)	427

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)	3.62

Income Statement

In the last 12 months, LON:0J3H had revenue of GBP 21.08 billion and earned 2.83 billion in profits. Earnings per share was 9.90.

Revenue	21.08B
Gross Profit	7.89B
Operating Income	3.69B
Pretax Income	3.54B
Net Income	2.83B
EBITDA	3.89B
EBIT	3.69B
Earnings Per Share (EPS)	9.90

Balance Sheet

The company has 3.33 billion in cash and 3.38 billion in debt, with a net cash position of -3.28 billion.

Cash & Cash Equivalents	3.33B
Total Debt	3.38B
Net Cash	-3.28B
Net Cash Per Share	n/a
Equity (Book Value)	14.10B
Book Value Per Share	50.03
Working Capital	6.31B

Cash Flow

In the last 12 months, operating cash flow was 4.40 billion and capital expenditures -125.57 million, giving a free cash flow of 4.27 billion.

Operating Cash Flow	4.40B
Capital Expenditures	-125.57M
Free Cash Flow	4.27B
FCF Per Share	n/a

Margins

Gross margin is 37.43%, with operating and profit margins of 17.50% and 13.52%.

Gross Margin	37.43%
Operating Margin	17.50%
Pretax Margin	16.77%
Profit Margin	13.52%
EBITDA Margin	18.44%
EBIT Margin	17.50%
FCF Margin	20.27%

Dividends & Yields

This stock pays an annual dividend of 1.67, which amounts to a dividend yield of 1.18%.

Dividend Per Share	1.67
Dividend Yield	1.18%
Dividend Growth (YoY)	8.26%
Years of Dividend Growth	9
Payout Ratio	15.98%
Buyback Yield	4.05%
Shareholder Yield	5.24%
Earnings Yield	9.66%
FCF Yield	14.56%

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