HARTFORD INSURANCE GROUP INC (1HIG.MI) Stock Fundamental Analysis
BIT:1HIG - Euronext Milan - US4165151048 - Common Stock - Currency: EUR
Taking everything into account, 1HIG scores 6 out of 10 in our fundamental rating. 1HIG was compared to 38 industry peers in the Insurance industry. 1HIG has an average financial health and profitability rating. 1HIG may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make 1HIG a good candidate for value investing.
1. Profitability
1.1 Basic Checks
1HIG had positive earnings in the past year.
In the past year 1HIG had a positive cash flow from operations.
In the past 5 years 1HIG has always been profitable.
In the past 5 years 1HIG always reported a positive cash flow from operatings.
1.2 Ratios
1HIG has a better Return On Assets (3.60%) than 92.11% of its industry peers.
With an excellent Return On Equity value of 17.61%, 1HIG belongs to the best of the industry, outperforming 81.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.6% | ||
| ROE | 17.61% | ||
| ROIC | N/A |
ROA(3y)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 11.03%, 1HIG is doing good in the industry, outperforming 60.53% of the companies in the same industry.
In the last couple of years the Profit Margin of 1HIG has grown nicely.
1HIG has a Operating Margin of 14.48%. This is in the better half of the industry: 1HIG outperforms 65.79% of its industry peers.
In the last couple of years the Operating Margin of 1HIG has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.48% | ||
| PM (TTM) | 11.03% | ||
| GM | N/A |
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1HIG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1HIG has been reduced compared to 1 year ago.
Compared to 5 years ago, 1HIG has less shares outstanding
The debt/assets ratio for 1HIG has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of 1HIG is 0.77, which is an excellent value as it means it would take 1HIG, only 0.77 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of 1HIG (0.77) is better than 94.74% of its industry peers.
1HIG has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
1HIG has a better Debt to Equity ratio (0.26) than 84.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.77 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.73% over the past year.
The Earnings Per Share has been growing by 12.78% on average over the past years. This is quite good.
1HIG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.19%.
Measured over the past years, 1HIG shows a small growth in Revenue. The Revenue has been growing by 5.05% on average per year.
EPS 1Y (TTM)8.73%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%36.4%
Revenue 1Y (TTM)8.19%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%8.01%
3.2 Future
1HIG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.75% yearly.
1HIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.60% yearly.
EPS Next Y8.33%
EPS Next 2Y12.35%
EPS Next 3Y11.75%
EPS Next 5YN/A
Revenue Next Year8.65%
Revenue Next 2Y7.4%
Revenue Next 3Y6.6%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.03, which indicates a very decent valuation of 1HIG.
Based on the Price/Earnings ratio, 1HIG is valued cheaply inside the industry as 84.21% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.48. 1HIG is valued rather cheaply when compared to this.
1HIG is valuated reasonably with a Price/Forward Earnings ratio of 9.39.
1HIG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1HIG is cheaper than 78.95% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.04. 1HIG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.03 | ||
| Fwd PE | 9.39 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1HIG is valued cheaper than 92.11% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, 1HIG is valued a bit cheaper than the industry average as 73.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.07 | ||
| EV/EBITDA | 5.88 |
4.3 Compensation for Growth
1HIG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
1HIG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.32
PEG (5Y)0.86
EPS Next 2Y12.35%
EPS Next 3Y11.75%
5. Dividend
5.1 Amount
1HIG has a Yearly Dividend Yield of 1.67%.
Compared to an average industry Dividend Yield of 4.36, 1HIG's dividend is way lower than its industry peers. On top of this 86.84% of the companies listed in the same industry pay a better dividend than 1HIG!
Compared to the average S&P500 Dividend Yield of 2.40, 1HIG is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.67% |
5.2 History
The dividend of 1HIG is nicely growing with an annual growth rate of 9.29%!
Dividend Growth(5Y)9.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
1HIG pays out 19.75% of its income as dividend. This is a sustainable payout ratio.
1HIG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.75%
EPS Next 2Y12.35%
EPS Next 3Y11.75%
BIT:1HIG (7/28/2025, 7:00:00 PM)
105
+105 (+Infinity%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners94.87%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap29.52B
Analysts73.33
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.67% |
Yearly Dividend1.73
Dividend Growth(5Y)9.29%
DP19.75%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.14%
Min EPS beat(2)1.72%
Max EPS beat(2)10.56%
EPS beat(4)3
Avg EPS beat(4)5.31%
Min EPS beat(4)-1.43%
Max EPS beat(4)10.56%
EPS beat(8)6
Avg EPS beat(8)6.89%
EPS beat(12)9
Avg EPS beat(12)10.75%
EPS beat(16)13
Avg EPS beat(16)17.69%
Revenue beat(2)0
Avg Revenue beat(2)-2.35%
Min Revenue beat(2)-3.21%
Max Revenue beat(2)-1.49%
Revenue beat(4)0
Avg Revenue beat(4)-1.93%
Min Revenue beat(4)-3.21%
Max Revenue beat(4)-0.47%
Revenue beat(8)0
Avg Revenue beat(8)-1.57%
Revenue beat(12)1
Avg Revenue beat(12)-1.09%
Revenue beat(16)4
Avg Revenue beat(16)0.21%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.03 | ||
| Fwd PE | 9.39 | ||
| P/S | 1.28 | ||
| P/FCF | 6.07 | ||
| P/OCF | 5.93 | ||
| P/B | 2.04 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 5.88 |
EPS(TTM)9.52
EY9.07%
EPS(NY)11.18
Fwd EY10.65%
FCF(TTM)17.3
FCFY16.48%
OCF(TTM)17.71
OCFY16.86%
SpS82.15
BVpS51.45
TBVpS43.72
PEG (NY)1.32
PEG (5Y)0.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.6% | ||
| ROE | 17.61% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.48% | ||
| PM (TTM) | 11.03% | ||
| GM | N/A | ||
| FCFM | 21.06% |
ROA(3y)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.77 | ||
| Debt/EBITDA | 0.67 | ||
| Cap/Depr | 4.99% | ||
| Cap/Sales | 0.49% | ||
| Interest Coverage | 17.7 | ||
| Cash Conversion | 88.37% | ||
| Profit Quality | 190.9% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.27%
ROIC/WACCN/A
Cap/Depr(3y)7.01%
Cap/Depr(5y)6.34%
Cap/Sales(3y)0.74%
Cap/Sales(5y)0.67%
Profit Quality(3y)187.16%
Profit Quality(5y)189.69%
High Growth Momentum
Growth
EPS 1Y (TTM)8.73%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%36.4%
EPS Next Y8.33%
EPS Next 2Y12.35%
EPS Next 3Y11.75%
EPS Next 5YN/A
Revenue 1Y (TTM)8.19%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%8.01%
Revenue Next Year8.65%
Revenue Next 2Y7.4%
Revenue Next 3Y6.6%
Revenue Next 5YN/A
EBIT growth 1Y11.13%
EBIT growth 3Y8.2%
EBIT growth 5Y5.7%
EBIT Next Year13.97%
EBIT Next 3Y7.06%
EBIT Next 5YN/A
FCF growth 1Y33.05%
FCF growth 3Y12.78%
FCF growth 5Y11.24%
OCF growth 1Y30.27%
OCF growth 3Y12.49%
OCF growth 5Y11.11%