HARTFORD INSURANCE GROUP INC (HFF.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HFF - US4165151048 - Common Stock
119 EUR
+3 (+2.59%)
Overall HFF gets a fundamental rating of 5 out of 10. We evaluated HFF against 45 industry peers in the Insurance industry. HFF has an average financial health and profitability rating. HFF may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, HFF could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
HFF had positive earnings in the past year.
In the past year HFF had a positive cash flow from operations.
Each year in the past 5 years HFF has been profitable.
HFF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HFF's Return On Assets of 4.16% is amongst the best of the industry. HFF outperforms 88.89% of its industry peers.
HFF has a better Return On Equity (19.17%) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| 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
The Profit Margin of HFF (12.69%) is better than 75.56% of its industry peers.
HFF's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 16.46%, HFF is doing good in the industry, outperforming 77.78% of the companies in the same industry.
HFF's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| 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
HFF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HFF has been reduced compared to 1 year ago.
The number of shares outstanding for HFF has been reduced compared to 5 years ago.
HFF has a better debt/assets ratio than last year.
2.2 Solvency
HFF has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.74, HFF belongs to the best of the industry, outperforming 97.78% of the companies in the same industry.
HFF has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
HFF has a better Debt to Equity ratio (0.24) than 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HFF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.22%, which is quite good.
The Earnings Per Share has been growing by 12.78% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.13% in the past year.
The Revenue has been growing slightly by 5.05% on average over the past years.
EPS 1Y (TTM)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%7.24%
3.2 Future
The Earnings Per Share is expected to grow by 11.94% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.34% on average over the next years.
EPS Next Y22.97%
EPS Next 2Y13.9%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue Next Year8.84%
Revenue Next 2Y7.26%
Revenue Next 3Y6.34%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.38, the valuation of HFF can be described as very reasonable.
Based on the Price/Earnings ratio, HFF is valued a bit cheaper than the industry average as 75.56% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.50, HFF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.49, the valuation of HFF can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HFF indicates a somewhat cheap valuation: HFF is cheaper than 64.44% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of HFF to the average of the S&P500 Index (23.93), we can say HFF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 10.49 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HFF is valued cheaper than 86.67% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, HFF is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.63 | ||
| EV/EBITDA | 5.88 |
4.3 Compensation for Growth
HFF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.5
PEG (5Y)0.89
EPS Next 2Y13.9%
EPS Next 3Y11.94%
5. Dividend
5.1 Amount
HFF has a Yearly Dividend Yield of 1.73%.
With a Dividend Yield of 1.73, HFF pays less dividend than the industry average, which is at 3.95. 82.22% of the companies listed in the same industry pay a better dividend than HFF!
HFF's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.73% |
5.2 History
On average, the dividend of HFF grows each year by 9.29%, which is quite nice.
Dividend Growth(5Y)9.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
HFF pays out 17.08% of its income as dividend. This is a sustainable payout ratio.
HFF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP17.08%
EPS Next 2Y13.9%
EPS Next 3Y11.94%
FRA:HFF (12/22/2025, 7:00:00 PM)
119
+3 (+2.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.16%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap33.16B
Revenue(TTM)27.87B
Net Income(TTM)3.54B
Analysts71.85
Price Target124.59 (4.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.73% |
Yearly Dividend1.68
Dividend Growth(5Y)9.29%
DP17.08%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.8%
Min EPS beat(2)16.45%
Max EPS beat(2)19.15%
EPS beat(4)4
Avg EPS beat(4)11.97%
Min EPS beat(4)1.72%
Max EPS beat(4)19.15%
EPS beat(8)6
Avg EPS beat(8)9.46%
EPS beat(12)9
Avg EPS beat(12)9.11%
EPS beat(16)13
Avg EPS beat(16)12.64%
Revenue beat(2)0
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-1.58%
Max Revenue beat(2)-0.35%
Revenue beat(4)0
Avg Revenue beat(4)-1.62%
Min Revenue beat(4)-3.06%
Max Revenue beat(4)-0.35%
Revenue beat(8)0
Avg Revenue beat(8)-1.54%
Revenue beat(12)1
Avg Revenue beat(12)-0.92%
Revenue beat(16)2
Avg Revenue beat(16)-0.74%
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 | 11.38 | ||
| Fwd PE | 10.49 | ||
| P/S | 1.4 | ||
| P/FCF | 6.63 | ||
| P/OCF | 6.53 | ||
| P/B | 2.12 | ||
| P/tB | 2.45 | ||
| EV/EBITDA | 5.88 |
EPS(TTM)10.46
EY8.79%
EPS(NY)11.35
Fwd EY9.54%
FCF(TTM)17.94
FCFY15.07%
OCF(TTM)18.23
OCFY15.32%
SpS84.86
BVpS56.18
TBVpS48.58
PEG (NY)0.5
PEG (5Y)0.89
Graham Number114.99
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| GM | N/A | ||
| FCFM | 21.14% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Debt/EBITDA | 0.59 | ||
| Cap/Depr | 3.46% | ||
| Cap/Sales | 0.35% | ||
| Interest Coverage | 22.16 | ||
| Cash Conversion | 80.98% | ||
| Profit Quality | 166.55% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.24%
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)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
EPS Next Y22.97%
EPS Next 2Y13.9%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%7.24%
Revenue Next Year8.84%
Revenue Next 2Y7.26%
Revenue Next 3Y6.34%
Revenue Next 5YN/A
EBIT growth 1Y19.55%
EBIT growth 3Y8.2%
EBIT growth 5Y5.7%
EBIT Next Year13.97%
EBIT Next 3Y7.06%
EBIT Next 5YN/A
FCF growth 1Y69.62%
FCF growth 3Y12.78%
FCF growth 5Y11.24%
OCF growth 1Y62.85%
OCF growth 3Y12.49%
OCF growth 5Y11.11%
HARTFORD INSURANCE GROUP INC / HFF.DE FAQ
Can you provide the ChartMill fundamental rating for HARTFORD INSURANCE GROUP INC?
ChartMill assigns a fundamental rating of 5 / 10 to HFF.DE.
Can you provide the valuation status for HARTFORD INSURANCE GROUP INC?
ChartMill assigns a valuation rating of 7 / 10 to HARTFORD INSURANCE GROUP INC (HFF.DE). This can be considered as Undervalued.
How profitable is HARTFORD INSURANCE GROUP INC (HFF.DE) stock?
HARTFORD INSURANCE GROUP INC (HFF.DE) has a profitability rating of 5 / 10.
What is the valuation of HARTFORD INSURANCE GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for HARTFORD INSURANCE GROUP INC (HFF.DE) is 11.38 and the Price/Book (PB) ratio is 2.12.
What is the financial health of HARTFORD INSURANCE GROUP INC (HFF.DE) stock?
The financial health rating of HARTFORD INSURANCE GROUP INC (HFF.DE) is 5 / 10.