The Hartford Financial Services Group, Inc. Logo

The Hartford Financial Services Group, Inc.

HFF.DE

(1.5)
Stock Price

111,00 EUR

2.84% ROA

11.53% ROE

18.49x PER

Market Cap.

0,00 EUR

24.4% DER

0% Yield

8.44% NPM

The Hartford Financial Services Group, Inc. Stock Analysis

The Hartford Financial Services Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Hartford Financial Services Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (31%), which means it has a small amount of debt compared to the ownership it holds

2 ROE

The stock's ROE falls within an average range (5.89%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (1.27%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.67x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (876) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

6 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

The Hartford Financial Services Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Hartford Financial Services Group, Inc. Technical Stock Analysis
# Analysis Recommendation

The Hartford Financial Services Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Hartford Financial Services Group, Inc. Revenue
Year Revenue Growth
1995 12.150.000.000
1996 12.473.000.000 2.59%
1997 13.305.000.000 6.25%
1998 15.022.000.000 11.43%
1999 13.528.000.000 -11.04%
2000 14.703.000.000 7.99%
2001 15.147.000.000 2.93%
2002 15.907.000.000 4.78%
2003 18.733.000.000 15.09%
2004 22.693.000.000 17.45%
2005 27.083.000.000 16.21%
2006 26.500.000.000 -2.2%
2007 25.916.000.000 -2.25%
2008 9.219.000.000 -181.12%
2009 24.701.000.000 62.68%
2010 22.383.000.000 -10.36%
2011 21.859.000.000 -2.4%
2012 26.412.000.000 17.24%
2013 24.661.000.000 -7.1%
2014 18.614.000.000 -32.49%
2015 18.377.000.000 -1.29%
2016 18.300.000.000 -0.42%
2017 16.974.000.000 -7.81%
2018 18.955.000.000 10.45%
2019 20.736.000.000 8.59%
2020 20.494.000.000 -1.18%
2021 22.349.000.000 8.3%
2022 21.492.000.000 -3.99%
2022 22.356.000.000 3.86%
2023 24.212.000.000 7.67%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Hartford Financial Services Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Hartford Financial Services Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 3.749.000.000 100%
2010 4.663.000.000 19.6%
2011 4.398.000.000 -6.03%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2022 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Hartford Financial Services Group, Inc. EBITDA
Year EBITDA Growth
1995 827.000.000
1996 -237.000.000 448.95%
1997 1.751.000.000 113.54%
1998 1.506.000.000 -16.27%
1999 1.207.000.000 -24.77%
2000 1.427.000.000 15.42%
2001 384.000.000 -271.61%
2002 1.172.000.000 67.24%
2003 -331.000.000 454.08%
2004 3.025.000.000 110.94%
2005 3.798.000.000 20.35%
2006 4.485.000.000 15.32%
2007 5.062.000.000 11.4%
2008 -3.887.000.000 230.23%
2009 -782.000.000 -397.06%
2010 3.368.000.000 123.22%
2011 1.492.000.000 -125.74%
2012 392.000.000 -280.61%
2013 515.000.000 23.88%
2014 1.800.000.000 71.39%
2015 2.717.000.000 33.75%
2016 1.541.000.000 -76.31%
2017 -1.431.000.000 207.69%
2018 2.840.000.000 150.39%
2019 2.284.000.000 -24.34%
2020 1.892.000.000 -20.72%
2021 2.682.000.000 29.46%
2022 3.068.000.000 12.58%
2022 2.030.000.000 -51.13%
2023 2.440.000.000 16.8%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Hartford Financial Services Group, Inc. Gross Profit
Year Gross Profit Growth
1995 12.150.000.000
1996 12.473.000.000 2.59%
1997 13.305.000.000 6.25%
1998 15.022.000.000 11.43%
1999 13.528.000.000 -11.04%
2000 14.703.000.000 7.99%
2001 15.147.000.000 2.93%
2002 15.907.000.000 4.78%
2003 18.733.000.000 15.09%
2004 22.693.000.000 17.45%
2005 27.083.000.000 16.21%
2006 26.500.000.000 -2.2%
2007 25.916.000.000 -2.25%
2008 9.219.000.000 -181.12%
2009 24.701.000.000 62.68%
2010 22.383.000.000 -10.36%
2011 21.859.000.000 -2.4%
2012 26.412.000.000 17.24%
2013 24.661.000.000 -7.1%
2014 18.614.000.000 -32.49%
2015 18.377.000.000 -1.29%
2016 18.300.000.000 -0.42%
2017 16.974.000.000 -7.81%
2018 18.955.000.000 10.45%
2019 20.740.000.000 8.61%
2020 20.523.000.000 -1.06%
2021 20.523.000.000 0%
2022 21.492.000.000 4.51%
2022 22.356.000.000 3.86%
2023 24.212.000.000 7.67%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Hartford Financial Services Group, Inc. Net Profit
Year Net Profit Growth
1995 562.000.000
1996 -99.000.000 667.68%
1997 1.332.000.000 107.43%
1998 1.015.000.000 -31.23%
1999 862.000.000 -17.75%
2000 974.000.000 11.5%
2001 507.000.000 -92.11%
2002 1.000.000.000 49.3%
2003 -91.000.000 1198.9%
2004 2.115.000.000 104.3%
2005 2.274.000.000 6.99%
2006 2.745.000.000 17.16%
2007 2.949.000.000 6.92%
2008 -2.749.000.000 207.28%
2009 -887.000.000 -209.92%
2010 1.680.000.000 152.8%
2011 662.000.000 -153.78%
2012 -38.000.000 1842.11%
2013 176.000.000 121.59%
2014 798.000.000 77.94%
2015 1.682.000.000 52.56%
2016 896.000.000 -87.72%
2017 -3.131.000.000 128.62%
2018 1.807.000.000 273.27%
2019 2.064.000.000 12.45%
2020 1.716.000.000 -20.28%
2021 2.344.000.000 26.79%
2022 1.768.000.000 -32.58%
2022 1.794.000.000 1.45%
2023 2.168.000.000 17.25%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Hartford Financial Services Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 2
1996 0 0%
1997 6 100%
1998 4 -25%
1999 4 -33.33%
2000 4 25%
2001 2 -100%
2002 4 50%
2003 0 0%
2004 7 100%
2005 8 0%
2006 9 12.5%
2007 9 11.11%
2008 -9 212.5%
2009 -3 -300%
2010 4 166.67%
2011 2 -200%
2012 0 0%
2013 0 0%
2014 2 100%
2015 4 75%
2016 2 -100%
2017 -9 125%
2018 5 300%
2019 6 20%
2020 5 -25%
2021 7 33.33%
2022 5 -20%
2022 5 0%
2023 7 16.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Hartford Financial Services Group, Inc. Free Cashflow
Year Free Cashflow Growth
1995 1.018.000.000
1996 925.000.000 -10.05%
1997 1.936.000.000 52.22%
1998 799.000.000 -142.3%
1999 771.000.000 -3.63%
2000 2.235.000.000 65.5%
2001 2.094.000.000 -6.73%
2002 2.460.000.000 14.88%
2003 3.807.000.000 35.38%
2004 2.454.000.000 -55.13%
2005 3.521.000.000 30.3%
2006 5.443.000.000 35.31%
2007 5.716.000.000 4.78%
2008 3.910.000.000 -46.19%
2009 2.974.000.000 -31.47%
2010 3.309.000.000 10.12%
2011 2.274.000.000 -45.51%
2012 2.681.000.000 15.18%
2013 1.237.000.000 -116.73%
2014 1.765.000.000 29.92%
2015 2.449.000.000 27.93%
2016 1.842.000.000 -32.95%
2017 1.936.000.000 4.86%
2018 2.721.000.000 28.85%
2019 3.384.000.000 19.59%
2020 3.757.000.000 9.93%
2021 3.960.000.000 5.13%
2022 928.000.000 -326.72%
2022 3.833.000.000 75.79%
2023 -99.000.000 3971.72%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Hartford Financial Services Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
1995 1.094.000.000
1996 994.000.000 -10.06%
1997 2.045.000.000 51.39%
1998 907.000.000 -125.47%
1999 891.000.000 -1.8%
2000 2.350.000.000 62.09%
2001 2.303.000.000 -2.04%
2002 2.649.000.000 13.06%
2003 3.896.000.000 32.01%
2004 2.634.000.000 -47.91%
2005 3.732.000.000 29.42%
2006 5.638.000.000 33.81%
2007 5.991.000.000 5.89%
2008 4.192.000.000 -42.92%
2009 2.974.000.000 -40.95%
2010 3.309.000.000 10.12%
2011 2.274.000.000 -45.51%
2012 2.681.000.000 15.18%
2013 1.237.000.000 -116.73%
2014 1.886.000.000 34.41%
2015 2.756.000.000 31.57%
2016 2.066.000.000 -33.4%
2017 2.186.000.000 5.49%
2018 2.843.000.000 23.11%
2019 3.489.000.000 18.52%
2020 3.871.000.000 9.87%
2021 4.093.000.000 5.42%
2022 974.000.000 -320.23%
2022 4.008.000.000 75.7%
2023 -49.000.000 8279.59%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Hartford Financial Services Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
1995 76.000.000
1996 69.000.000 -10.14%
1997 109.000.000 36.7%
1998 108.000.000 -0.93%
1999 120.000.000 10%
2000 115.000.000 -4.35%
2001 209.000.000 44.98%
2002 189.000.000 -10.58%
2003 89.000.000 -112.36%
2004 180.000.000 50.56%
2005 211.000.000 14.69%
2006 195.000.000 -8.21%
2007 275.000.000 29.09%
2008 282.000.000 2.48%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 121.000.000 100%
2015 307.000.000 60.59%
2016 224.000.000 -37.05%
2017 250.000.000 10.4%
2018 122.000.000 -104.92%
2019 105.000.000 -16.19%
2020 114.000.000 7.89%
2021 133.000.000 14.29%
2022 46.000.000 -189.13%
2022 175.000.000 73.71%
2023 50.000.000 -250%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Hartford Financial Services Group, Inc. Equity
Year Equity Growth
1995 4.702.000.000
1996 4.520.000.000 -4.03%
1997 6.482.000.000 30.27%
1998 6.888.000.000 5.89%
1999 5.895.000.000 -16.84%
2000 7.464.000.000 21.02%
2001 9.013.000.000 17.19%
2002 10.734.000.000 16.03%
2003 11.639.000.000 7.78%
2004 14.238.000.000 18.25%
2005 15.325.000.000 7.09%
2006 18.876.000.000 18.81%
2007 19.204.000.000 1.71%
2008 9.268.000.000 -107.21%
2009 17.865.000.000 48.12%
2010 20.311.000.000 12.04%
2011 22.910.000.000 11.34%
2012 22.447.000.000 -2.06%
2013 18.905.000.000 -18.74%
2014 18.720.000.000 -0.99%
2015 17.642.000.000 -6.11%
2016 16.903.000.000 -4.37%
2017 13.494.000.000 -25.26%
2018 13.101.000.000 -3%
2019 12.689.000.000 -3.25%
2020 13.922.000.000 8.86%
2021 15.768.000.000 11.71%
2022 14.226.000.000 -10.84%
2022 17.051.000.000 16.57%
2023 17.868.000.000 4.57%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Hartford Financial Services Group, Inc. Assets
Year Assets Growth
1995 93.855.000.000
1996 108.840.000.000 13.77%
1997 131.743.000.000 17.38%
1998 150.632.000.000 12.54%
1999 167.051.000.000 9.83%
2000 171.532.000.000 2.61%
2001 181.238.000.000 5.36%
2002 182.043.000.000 0.44%
2003 225.853.000.000 19.4%
2004 259.735.000.000 13.04%
2005 285.557.000.000 9.04%
2006 326.710.000.000 12.6%
2007 360.361.000.000 9.34%
2008 287.583.000.000 -25.31%
2009 307.717.000.000 6.54%
2010 318.346.000.000 3.34%
2011 304.064.000.000 -4.7%
2012 298.513.000.000 -1.86%
2013 277.884.000.000 -7.42%
2014 245.013.000.000 -13.42%
2015 228.348.000.000 -7.3%
2016 223.432.000.000 -2.2%
2017 225.260.000.000 0.81%
2018 62.307.000.000 -261.53%
2019 70.817.000.000 12.02%
2020 74.111.000.000 4.44%
2021 76.578.000.000 3.22%
2022 72.402.000.000 -5.77%
2022 73.022.000.000 0.85%
2023 73.895.000.000 1.18%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Hartford Financial Services Group, Inc. Liabilities
Year Liabilities Growth
1995 89.153.000.000
1996 104.320.000.000 14.54%
1997 125.261.000.000 16.72%
1998 143.744.000.000 12.86%
1999 161.156.000.000 10.8%
2000 164.068.000.000 1.77%
2001 172.225.000.000 4.74%
2002 171.309.000.000 -0.53%
2003 214.214.000.000 20.03%
2004 245.497.000.000 12.74%
2005 270.232.000.000 9.15%
2006 307.834.000.000 12.22%
2007 341.157.000.000 9.77%
2008 278.315.000.000 -22.58%
2009 289.823.000.000 3.97%
2010 298.035.000.000 2.76%
2011 281.154.000.000 -6%
2012 276.066.000.000 -1.84%
2013 258.979.000.000 -6.6%
2014 226.293.000.000 -14.44%
2015 210.706.000.000 -7.4%
2016 206.529.000.000 -2.02%
2017 211.766.000.000 2.47%
2018 49.206.000.000 -330.37%
2019 4.348.000.000 -1031.69%
2020 4.352.000.000 0.09%
2021 4.944.000.000 11.97%
2022 58.176.000.000 91.5%
2022 4.357.000.000 -1235.23%
2023 4.360.000.000 0.07%

The Hartford Financial Services Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
75.25
Net Income per Share
6.35
Price to Earning Ratio
18.49x
Price To Sales Ratio
0x
POCF Ratio
10.73
PFCF Ratio
0
Price to Book Ratio
2.06
EV to Sales
-0.01
EV Over EBITDA
-0.07
EV to Operating CashFlow
-0.04
EV to FreeCashFlow
-0.05
Earnings Yield
0.05
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
-0,15 Bil.
Graham Number
90.26
Graham NetNet
-13.44

Income Statement Metrics

Net Income per Share
6.35
Income Quality
1.7
ROE
0.12
Return On Assets
0.03
Return On Capital Employed
0.03
Net Income per EBT
0.8
EBT Per Ebit
1.11
Ebit per Revenue
0.1
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.1
Pretax Profit Margin
0.11
Net Profit Margin
0.08

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.27
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
10.94
Free CashFlow per Share
10.31
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.01
Capex to Depreciation
-0.42
Return on Invested Capital
0.08
Return on Tangible Assets
0.03
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.63

Balance Sheet

Cash per Share
0,48
Book Value per Share
57,03
Tangible Book Value per Share
209.97
Shareholders Equity per Share
57.03
Interest Debt per Share
14.63
Debt to Equity
0.24
Debt to Assets
0.06
Net Debt to EBITDA
-0.07
Current Ratio
0
Tangible Asset Value
65,79 Bil.
Net Current Asset Value
-4,21 Bil.
Invested Capital
0.24
Working Capital
0,15 Bil.
Intangibles to Total Assets
0.05
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Hartford Financial Services Group, Inc. Dividends
Year Dividends Growth
2010 0
2011 0 0%
2012 0 0%
2013 0 0%
2020 1 100%
2021 1 0%
2022 1 0%

The Hartford Financial Services Group, Inc. Profile

About The Hartford Financial Services Group, Inc.

The Hartford Financial Services Group, Inc. is an insurance and financial services company. The company is headquartered in Hartford, Connecticut and currently employs 18,500 full-time employees. The firm's segments include Commercial Lines, which provides workers' compensation, property, automobile, marine, livestock, liability and umbrella coverages primarily throughout the United States; Personal Lines, which provides automobile, homeowners and personal umbrella coverages to individuals across the United States; Group Benefits, which provides group life, accident and disability coverage, and other products and services; Property & Casualty Other Operations, which includes certain property and casualty operations, and Mutual Funds, which provides investment management, administration, product distribution and related services to investors.

CEO
Mr. Christopher Swift
Employee
19.500
Address
1 Hartford Plz
Hartford,

The Hartford Financial Services Group, Inc. Executives & BODs

The Hartford Financial Services Group, Inc. Executives & BODs
# Name Age

The Hartford Financial Services Group, Inc. Competitors