Calculated
DCF
Free cash flow, growth, discount rate, and terminal growth form an intrinsic value range.
329.31 USD384.17 USD433.22 USD
-64.37%
384.17 USDCurrent price is 64.4% below the base model value.
H
US
HIG.US · HARTFORD INSURANCE GROUP, INC.
US · US
Latest price136.88 USD
30D-10.06%
Vs. base value-47.8%
Research summary
HIG.US latest organized financial period shows revenue grew +6.91% YoY and net income grew +23.3% YoY. Current price is about 137 USD, while the model base case is about 262 USD; the current price sits -47.8% versus the base case. The page shows both reported and adjusted views; valuation still defaults to reported figures, while adjusted figures help isolate structured one-time-item impact. This summary is intended for public-information research and model review.
Key financial trend
Annual financial metrics with switchable views. · Unit: USD
Revenue28B USD
Net income4B USD
Free cash flow6B USD
Operating cash flow6B USD
Price trend
Price date: 2026/04/29 · Updated: 2026/04/29 15:29
Valuation model range
Hover each model row to inspect formulas and inputs.
Current price136.88 USD
Base value262.36 USD
Vs. base-47.8%
Price date2026/04/29
204.78 USD262.36 USD286.88 USD
-47.83%
Calculated
Owner Earnings
Uses recent net income as an owner-earnings proxy and discounts scenario growth.
269.02 USD435.23 USD567.11 USD
-68.55%
435.23 USDCurrent price is 68.5% below the base model value.Adjusted reference: 344.09 USD
Calculated
Reverse DCF
Solves the forward FCF growth rate implied by the current price.
Implied growth-9.4%
Current price implies roughly -9.4% annualized FCF growth.
-9.4%Current price implies roughly -9.4% annualized FCF growth.
Calculated
Earnings Power Value
Estimates earnings power value without assuming growth.
75.44 USD75.44 USD75.44 USD
+81.44%
75.44 USDCurrent price is 81.4% above the base model value.
Updated: 2026/04/29 15:29
Valuation basis and non-recurring items
Collapsed by default. Expand to inspect structured one-time items and adjusted figures without making them the primary page focus.
ExpandCollapse
Valuation basis and non-recurring items
Collapsed by default. Expand to inspect structured one-time items and adjusted figures without making them the primary page focus.
A positive amountAfterTax means the item increased reported net income; a negative value means it reduced reported net income. Adjusted net income = reported net income minus total after-tax impact. Valuation defaults to reported figures; adjusted figures are shown to observe one-time-item impact.
| Period | Item | Category | After-tax impact | Confidence |
|---|---|---|---|---|
| 2024/12/31 | Restructuring charges | Restructuring | -3M USD | Medium |
| 2023/12/31 | Restructuring charges | Restructuring | -14M USD | Medium |
| 2022/12/31 | Restructuring and merger costs | Restructuring | -10M USD | Medium |
| 2022/12/31 | Special income/charges | Other | -10M USD | Medium |
| 2024/09/30 | Restructuring charges | Restructuring | -5M USD | Medium |
| 2024/06/30 | Restructuring charges | Restructuring | -2M USD | Medium |
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Quarterly and annual financial table
Financial DetailsShowing latest 5 / 13
| Period | Type | Revenue | Net Income | Adjusted net income | Free Cash Flow | Diluted EPS | Adjusted EPS |
|---|---|---|---|---|---|---|---|
| 2025/12/31 | Annual | 28B USD | 4B USD | - | 6B USD | 13.32 | - |
| 2024/12/31 | Annual | 27B USD | 3B USD | 3B USD | 6B USD | 10.35 | 10.36 |
| 2023/12/31 | Annual | 25B USD | 3B USD | 3B USD | 4B USD | 7.97 | 8.02 |
| 2022/12/31 | Annual | 22B USD | 2B USD | 2B USD | 4B USD | 5.44 | 5.5 |
| 2021/12/31 | Annual | - | - | - | - | - | - |
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