HARTFORD INSURANCE GROUP, INC. (HIG)
Fire, Marine & Casualty Insurance · Financial Services · $42.8B
Intrinsic Value (Consensus)
$181.91
Current Price
$131.02
Margin of Safety
+38.8%
38.8% Below Intrinsic Value
Value: $182
Price: $131
Valuation Model Estimates
Current Price: $131.02
DCF (Discounted Cash Flow)
$825.72
Graham Number
$131.94
Earnings Power Value
$129.32
Relative Value (P/E)
$266.40
Dividend Discount Model
$200.00
Consensus Value
$181.91
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
81
Profitability
22/25
Strength
24/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Strong profitability — ROE of 20% (above 20% is excellent)
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (13.4%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $13.32
- EPS (Forward)
- $15.98
- Book Value
- $58.09
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 20.2%
- Debt/Equity
- 23%
- Revenue Growth
- 3.3%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance