HIG Valuation

Hartford Insurance Group Inc

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124.180

+0.72(0.583%)1D

HIG Relative Valuation

HIG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HIG is overvalued; if below, it's undervalued.

Historical Valuation

Hartford Insurance Group Inc (HIG) is now in the Undervalued zone, suggesting that its current forward PE ratio of 9.61 is considered Undervalued compared with the five-year average of 9.63. The fair price of Hartford Insurance Group Inc (HIG) is between 134.06 to 155.69 according to relative valuation methord. Compared to the current price of 124.18 USD , Hartford Insurance Group Inc is Undervalued By 7.37%.

Relative Value

Fair Zone

134.06-155.69

Current Price：124.18

7.37%

Undervalued

9.61

Trailing

Forward

0.00

EV/EBITDA

Hartford Insurance Group Inc. (HIG) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 1.72. The thresholds are as follows: Strongly Undervalued below -4.32, Undervalued between -4.32 and -1.30, Fairly Valued between 4.74 and -1.30, Overvalued between 4.74 and 7.76, and Strongly Overvalued above 7.76. The current Forward EV/EBITDA of 0.00 falls within the Historic Trend Line -Fairly Valued range.

7.94

EV/EBIT

Hartford Insurance Group Inc. (HIG) has a current EV/EBIT of 7.94. The 5-year average EV/EBIT is 8.60. The thresholds are as follows: Strongly Undervalued below 6.21, Undervalued between 6.21 and 7.40, Fairly Valued between 9.79 and 7.40, Overvalued between 9.79 and 10.99, and Strongly Overvalued above 10.99. The current Forward EV/EBIT of 7.94 falls within the Historic Trend Line -Fairly Valued range.

124.18

Hartford Insurance Group Inc. (HIG) has a current PS of 124.18. The 5-year average PS is 1.33. The thresholds are as follows: Strongly Undervalued below -10.69, Undervalued between -10.69 and -4.68, Fairly Valued between 7.34 and -4.68, Overvalued between 7.34 and 13.36, and Strongly Overvalued above 13.36. The current Forward PS of 124.18 falls within the Strongly Overvalued range.

0.00

P/OCF

Hartford Insurance Group Inc. (HIG) has a current P/OCF of 0.00. The 5-year average P/OCF is 1.19. The thresholds are as follows: Strongly Undervalued below -3.01, Undervalued between -3.01 and -0.91, Fairly Valued between 3.29 and -0.91, Overvalued between 3.29 and 5.39, and Strongly Overvalued above 5.39. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

Hartford Insurance Group Inc. (HIG) has a current P/FCF of 0.00. The 5-year average P/FCF is 1.24. The thresholds are as follows: Strongly Undervalued below -3.12, Undervalued between -3.12 and -0.94, Fairly Valued between 3.42 and -0.94, Overvalued between 3.42 and 5.60, and Strongly Overvalued above 5.60. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Hartford Insurance Group Inc (HIG) has a current Price-to-Book (P/B) ratio of 1.92. Compared to its 3-year average P/B ratio of 1.90 , the current P/B ratio is approximately 0.88% higher. Relative to its 5-year average P/B ratio of 1.67, the current P/B ratio is about 14.75% higher. Hartford Insurance Group Inc (HIG) has a Forward Free Cash Flow (FCF) yield of approximately 17.02%. Compared to its 3-year average FCF yield of 15.74%, the current FCF yield is approximately 8.15% lower. Relative to its 5-year average FCF yield of 16.59% , the current FCF yield is about 2.59% lower.

1.92

P/B

Median3y

1.90

Median5y

1.67

17.02

FCF Yield

Median3y

15.74

Median5y

16.59

Competitors Valuation Multiple

The average P/S ratio for HIG's competitors is 509.92, providing a benchmark for relative valuation. Hartford Insurance Group Inc Corp (HIG) exhibits a P/S ratio of 124.18, which is -75.65% above the industry average. Given its robust revenue growth of 7.24%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

HIG.N

Hartford Insurance Group Inc

Renaissancere Holdings Ltd

254.09

-7.35%

11.72B

Performance Decomposition

Market capitalization of HIG increased by 0.71% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 11.41 to 14.98.

The secondary factor is the Revenue Growth, contributed 7.24%to the performance.

Overall, the performance of HIG in the past 1 year is driven by Margin Expansion. Which is more sustainable.

7.24%

6.73B → 7.21B

Revenue Growth

31.29%

11.41 → 14.98

Margin Expansion

-37.82%

16.34 → 10.16

P/E Change

0.71%