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Hartford Insurance Group Inc (HIG)

割安
Financial ServicesInsurance - DiversifiedUnited States

ファンダメンタル

86

株価

$122.95

時価総額

$34.14B

パート1 · 企業の価値

概要

The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 2026年9月18日 with claude-haiku-4-5 — shared with all users

P/E: 9.6Score: 79Market cap: $75.75B

Travelers is the closest match to Hartford's business mix, selling small and middle-market commercial property-casualty policies plus personal auto and home through the same U.S. independent agents and brokers.

P/E: 9.9Score: 81Market cap: $12.30B

CNA is a pure commercial P&C carrier writing the same small-business, middle-market and specialty lines — including workers' compensation and professional liability — for U.S. companies.

P/E: 13.9Score: 71Market cap: $24.98B

W. R. Berkley fights for the same specialty and excess-and-surplus commercial accounts that Hartford's Global Specialty line targets, quoting against it on the same submissions.

P/E: 20.4Score: 55Market cap: $14.42B

Unum is the direct rival of Hartford's Employee Benefits segment, selling group disability, group life and leave-management services to the same employers.

Chubb LimitedCB

Chubb competes head-on for the same commercial customers, from business owner's policies for small firms to specialty and large-account coverage placed through the same broker channel.

Liberty Mutual Holding Company Inc.Not tracked

Liberty Mutual, a policyholder-owned insurer with no listed stock, is one of the largest U.S. writers of both small-commercial and personal auto and home policies, the two markets where Hartford sells.

貸借対照表と流動性

売上高

$1.53B

直近12か月(2026/6/30まで)

純利益

$4.37B

直近12か月(2026/6/30まで)

フリーキャッシュフロー

$5.75B

自己資本合計

$18.98B

負債合計

$67.05B

流動比率

-

利払い倍率

-

負債/EBITDA

0.78

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

負債の重さ

成長率グリッド

成長率 — 売上高

適正価値の推定

保険割安

適正価値

$218.99

現在株価

$122.95

安全マージン

+43.9%

適正価値レンジ

$142.34 - $295.63

使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。

推定方法

アナリストの目標株価:$149.40
ディスカウンテッド・キャッシュフロー(DCF):この種の企業には適用されません
利益倍率(P/E):$138.67
グレアムの成長公式:この種の企業には適用されません
収益力価値(EPV):この種の企業には適用されません
正当化されたP/B:$325.37
配当割引モデル(ゴードン):$56.47
P/FFO(運用から生まれる資金):この種の企業には適用されません
中間サイクル利益:この種の企業には適用されません
売上高倍率:この種の企業には適用されません
アナリスト・コンセンサス:買い (14B / 15H / 0S)
直近の決算サプライズ:+5.14%

バリュエーション指標

P/E レシオ

7.92

ROE

20.2%

P/B レシオ

1.69

P/FCF

5.64

粗利益率

-

ROIC

-

収益性レーダー

価値創造(経済的モート)

ROIC

-

WACC

7.5%

ROIC − WACC

-

ファンダメンタル分析基準

合格(20)

  • EPS shows upward trend
  • Price CAGR 11.09%
  • P/FCF 5.64
  • P/B Ratio 1.69
  • Debt/Equity ratio
  • Positive Free Cash Flow
  • CapEx intensity
  • Debt/EBITDA
  • Return on Tangible Assets
  • Low reliance on intangibles
  • Price below Graham Number
  • DCF valuation (Undervalued)
  • ROE 23.0%
  • Revenue Growth 5Y 6.7%
  • Earnings Surprise avg 9.1%
  • PEG Ratio 0.34
  • Earnings Quality (OCF/NI) 1.35
  • Share Dilution -4.2%
  • Net Margin Trend 284.7% vs 266.4%
  • Piotroski F-Score 6/9

不合格(2)

  • EPS CAGR 2.05%
  • Analyst Consensus 48% Buy

データなし(6)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Operating Margin NaN%
  • Current Ratio
  • Interest Coverage

Piotroski F-スコア

6/9

まちまちのシグナル:一部の領域に注意が必要

score
criteria

利益の質

1.35

高品質:利益はキャッシュに裏付けられている

株式希薄化

-4.2%

株式を買い戻している。株主に友好的

機関投資家の保有

ガバナンス

経営陣

氏名役職年齢
Mr. Christopher Jerome Swift CPAChairman & CEO64
Mr. Adin Morris TookerPresident55
Ms. Beth A. Costello CPAExecutive VP & CFO57
Ms. Amy Marie StepnowskiExecutive VP & Chief Investment Officer56
Mr. Donald Christian Hunt J.D.Executive VP & General Counsel54
Mr. Jeffery HawkinsChief Data, AI & Operations Officer-
Mr. Allison Gayle NidernoSenior VP, Controller & Principal Accounting Officer45
Mr. Shekar PannalaExecutive VP & Chief Information Officer54
Ms. Kate JorensSVP, Treasurer & Head of Investor Relations-
Ms. Claire H. BurnsChief Marketing & Customer Officer56

監査リスク

8

取締役会リスク

3

報酬リスク

4

株主権利リスク

7

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

書類

  • 年次報告書(10-K)

    事業内容、財務実績、リスクをまとめた年次の概要。

    提出日: 2026-02-20

    書類を見る
  • 四半期報告書(10-Q)

    直近3か月間の業績に関する最新情報。

    提出日: 2026-07-23

    書類を見る
  • 臨時報告書(8-K)

    経営陣の交代や重要な発表など、大きな出来事に関するお知らせ。

    提出日: 2026-09-30

    書類を見る

via SEC EDGAR

業績推移

via SEC EDGAR

Latest News

Recent headlines for HIG, sourced from Markets Gazette.

  • 1d agoNEUTRAL
    Hartford Insurance Group Names A. Morris Tooker as Its Next CEO

    The Hartford Financial Services Group, Inc. has announced A. Morris Tooker will succeed Christopher Swift as CEO, concluding Swift's extensive 13-year tenure. Tooker, currently President, will transition into the chief executive role. This leadership change is a standard corporate event, typically viewed with neutrality by the market unless accompanied by significant strategic shifts or performance concerns. Investors will be watching for Tooker's initial strategic directives and their potential impact on the company's future performance and shareholder value.

via Markets Gazette