Hartford Financial Services Group (HIG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hartford Financial Services Group stock (HIG) is currently trading at $134.10. Hartford Financial Services Group PE ratio is 10.16. Hartford Financial Services Group PS ratio (Price-to-Sales) is 1.33. Analyst consensus price target for HIG is $150.85. WallStSmart rates HIG as Buy.
- HIG PE ratio analysis and historical PE chart
- HIG PS ratio (Price-to-Sales) history and trend
- HIG intrinsic value — DCF, Graham Number, EPV models
- HIG stock price prediction 2025 2026 2027 2028 2029 2030
- HIG fair value vs current price
- HIG insider transactions and insider buying
- Is HIG undervalued or overvalued?
- Hartford Financial Services Group financial analysis — revenue, earnings, cash flow
- HIG Piotroski F-Score and Altman Z-Score
- HIG analyst price target and Smart Rating
Hartford Financial Services Group
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HIG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hartford Financial Services Group (HIG)
HIG trades at a significant discount to its Graham intrinsic value of $623.84, offering a 77% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hartford Financial Services Group (HIG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Hartford Financial Services Group (HIG) Key Strengths (7)
Growing significantly faster than its price suggests
Earnings per share surging 38.20% year-over-year
95.73% of shares held by major funds and institutions
Large-cap company with substantial market presence
Every $100 of equity generates $22 in profit
Strong operational efficiency: $20 kept per $100 revenue
Paying $1.33 for every $1 of annual revenue
Supporting Valuation Data
Hartford Financial Services Group (HIG) Areas to Watch (3)
Modest revenue growth at 6.70%
Fairly priced relative to book value
Decent profitability, keeps $14 per $100 revenue
Hartford Financial Services Group (HIG) Detailed Analysis Report
Overall Assessment
This company scores 79/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.1/10) while 3 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, EPS Growth, Institutional Own.. Valuation metrics including PEG Ratio (0.12), Price/Sales (1.33) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 21.70%, Operating Margin at 20.00%. Growth metrics are encouraging with EPS Growth at 38.20%.
The Bear Case
The primary concerns are Revenue Growth, Price/Book, Profit Margin. Some valuation metrics including Price/Book (2.00) suggest expensive pricing. Growth concerns include Revenue Growth at 6.70%, which may limit upside. Profitability pressure is visible in Profit Margin at 13.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 21.70% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 6.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and EPS Growth makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HIG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HIG's Price-to-Sales ratio of 1.33x trades 68% above its historical average of 0.79x (97th percentile), historically expensive. The current valuation is 4% below its historical high of 1.39x set in Jan 2018, and 1009% above its historical low of 0.12x in Nov 2008.
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Data-driven financial summary for Hartford Financial Services Group (HIG) · FINANCIAL SERVICES › INSURANCE - DIVERSIFIED
The Big Picture
Hartford Financial Services Group operates as a stable business with moderate growth and solid fundamentals. Revenue reached 28.4B with 7% growth year-over-year. Profit margins of 13.5% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 21.7% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 1.8B in free cash flow and 1.8B in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Hartford Financial Services Group push profit margins above 15% as the business scales?
Debt management: total debt of 4.4B is significantly higher than cash (133M). Monitor refinancing risk.
Sector dynamics: monitor INSURANCE - DIVERSIFIED industry trends, competitive moves, and regulatory changes that could impact Hartford Financial Services Group.
Bottom Line
Hartford Financial Services Group offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Hartford Financial Services Group(HIG)
NYSE
FINANCIAL SERVICES
INSURANCE - DIVERSIFIED
USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.