Hartford (The)

HIG US Financials Property & Casualty Insurance
S&P 500
$136.36
-0.32%
Delayed · cached 15 min

Fair value analysis

HIG
Hartford (The)
FinancialsProperty & Casualty Insurance
$136.36
Close used for this calculation
$286.27Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
84/100
Profitability25/25
Returns17/25
Balance Sheet19/25
Efficiency23/25
Growth23/25
Exceptional
Quality radar
84Prof.25/25Ret.17/25Eff.23/25B.Sht19/25Growth23/25

Consensus fair value

$286.27
Below FV
▲ +109.9% against the close used
Model range $116.34 – $396.51
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$116.34Fair value$286.27Bull$396.51
FairClose
52-week traded range
52W low $122.3652W high $145.68

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Hartford (The) closed at $136.36, 52.4% below the consensus fair value of $286.27 drawn from 9 valuation models.

Financial DNA score 84/100 — Exceptional. P/E of 10.2x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$396.51
+190.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$145.89
+7.0%
√(22.5 × EPS × BVPS)
EPS=13.32, BVPS=71.02
P/E Fair Value
$266.40
+95.4%
EPS × 20x (sector P/E)
EPS=13.32, Sector P/E=20x
Peter Lynch (PEG)
$301.56
+121.2%
EPS × Growth% (PEG = 1 is fair)
EPS=13.32, g=22.6%
EV/EBITDA
$307.70
+125.7%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=5.16B
Dividend Discount (DDM)
$116.34
-14.7%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=2.15, r=10%, g=8%
Book Value (P/B)
$240.41
+76.3%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=71.02, ROE=19.5%, g=6%, r=10%
Reverse DCF
$136.36
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -2% | Historical: 22.6%
Margin of Safety
$202.20
+48.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=269.6, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.