Hartford Financial Services Group Inc.
HIG
Market Cap$36.89B
Close$
Earnings Call Q1 2025
April 25, 2025 - AI Summary
Strong Financial Performance: The Hartford Financial Services Group, Inc. reported core earnings of $639 million or $2.2 per diluted share in Q1 2025, with a trailing twelve-month core earnings ROE of 16.2%. Notably, business insurance saw 10% top-line growth with an impressive underlying combined ratio of 88.4%.
Challenges from Catastrophe Losses: The company faced significant catastrophe losses totaling $467 million before tax, mainly due to the California wildfires, which impacted overall performance. However, the robust reinsurance program helped contain exposure within market share.
Positive Growth in Business & Personal Insurance: Business insurance, especially in small and middle markets, is performing well with double-digit growth in new business. The personal insurance segment also showed improvement, with an underlying combined ratio in the 80s for the first time in three years.
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$390.09
200.1% upside
Current Fair Value
200.1% upsideUndervalued by 200.1% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $36.89 Billion |
|---|---|
| Enterprise Value | $41.12 Billion |
| Dividend Yield | $2.08 (1.52495378927911%) |
| Earnings per Share | $10.7 |
| Beta | 0.7 |
| Outstanding Shares | 286,600,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 12.45 |
|---|---|
| PEG | -76.24 |
| Price to Sales | 1.4 |
| Price to Book Ratio | 2.24 |
| Enterprise Value to Revenue | 1.53 |
| Enterprise Value to EBIT | 10.93 |
| Enterprise Value to Net Income | 13 |
| Total Debt to Enterprise | 0.11 |
| Debt to Equity | 0.26 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About Hartford Financial Services Group Inc.
18,500 employees
CEO: Christopher Swift