HARTFORD INSURANCE GROUP INC (HFF.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HFF - US4165151048 - Common Stock
111 EUR
+1 (+0.91%)
HFF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. HFF has only an average score on both its financial health and profitability. HFF is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make HFF suitable for value investing!
1. Profitability
1.1 Basic Checks
- HFF had positive earnings in the past year.
- HFF had a positive operating cash flow in the past year.
- 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
- The Return On Assets of HFF (4.16%) is better than 87.50% of its industry peers.
- Looking at the Return On Equity, with a value of 19.17%, HFF is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| 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
- Looking at the Profit Margin, with a value of 12.69%, HFF is in the better half of the industry, outperforming 77.08% of the companies in the same industry.
- In the last couple of years the Profit Margin of HFF has grown nicely.
- HFF's Operating Margin of 16.46% is fine compared to the rest of the industry. HFF outperforms 77.08% of its industry peers.
- 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.
- HFF has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for HFF has been reduced compared to 5 years ago.
- Compared to 1 year ago, HFF has an improved debt to assets ratio.
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.
- Looking at the Debt to FCF ratio, with a value of 0.74, HFF belongs to the top of the industry, outperforming 97.92% of the companies in the same industry.
- A Debt/Equity ratio of 0.24 indicates that HFF is not too dependend on debt financing.
- The Debt to Equity ratio of HFF (0.24) is better than 89.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| 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
- 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.
- Measured over the past years, HFF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.78% on average per year.
- Looking at the last year, HFF shows a small growth in Revenue. The Revenue has grown by 7.13% in the last 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
- HFF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.29% yearly.
- Based on estimates for the next years, HFF will show a small growth in Revenue. The Revenue will grow by 6.28% on average per year.
EPS Next Y23.18%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
EPS Next 5Y10.29%
Revenue Next Year8.84%
Revenue Next 2Y7.23%
Revenue Next 3Y6.28%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- 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
- Based on the Price/Earnings ratio of 10.65, the valuation of HFF can be described as reasonable.
- 77.08% of the companies in the same industry are more expensive than HFF, based on the Price/Earnings ratio.
- HFF is valuated cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 9.80, the valuation of HFF can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, HFF is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, HFF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.8 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HFF is valued cheaper than 87.50% of the companies in the same industry.
- 64.58% of the companies in the same industry are more expensive than HFF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.21 | ||
| EV/EBITDA | 5.54 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- HFF's earnings are expected to grow with 12.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)0.83
EPS Next 2Y14.04%
EPS Next 3Y12.07%
5. Dividend
5.1 Amount
- HFF has a Yearly Dividend Yield of 1.83%. Purely for dividend investing, there may be better candidates out there.
- With a Dividend Yield of 1.83, HFF pays less dividend than the industry average, which is at 4.17. 83.33% 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
5.2 History
- The dividend of HFF 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
- HFF pays out 17.08% of its income as dividend. This is a sustainable payout ratio.
- HFF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP17.08%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
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.
What is the valuation status of HARTFORD INSURANCE GROUP INC (HFF.DE) stock?
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 are the PE and PB ratios of HARTFORD INSURANCE GROUP INC (HFF.DE) stock?
The Price/Earnings (PE) ratio for HARTFORD INSURANCE GROUP INC (HFF.DE) is 10.65 and the Price/Book (PB) ratio is 1.98.
Is the dividend of HARTFORD INSURANCE GROUP INC sustainable?
The dividend rating of HARTFORD INSURANCE GROUP INC (HFF.DE) is 4 / 10 and the dividend payout ratio is 17.08%.