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STOCKS

Hartford Insurance (HIG)

NYSE:HIG

HIG

Hartford Insurance

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Hartford Insurance (HIG) Ratios

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Hartford Insurance Ratios

HIG's free cash flow for Q4 2025 was $0.49. For the 2025 fiscal year, HIG's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	17.65	17.65	16.69	0.33	24.79
Quick Ratio	17.65	17.65	16.69	0.33	24.79
Cash Ratio	0.22	0.22	0.30	<0.01	0.11
Solvency Ratio	0.06	0.06	0.05	0.06	0.04
Operating Cash Flow Ratio	9.68	9.68	9.62	0.12	1.90
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -56.22B	$ -56.22B	$ -54.22B	$ -43.22B	$ -7.16B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.05	0.06	0.06
Debt-to-Equity Ratio	0.23	0.23	0.27	0.28	0.32
Debt-to-Capital Ratio	0.19	0.19	0.21	0.22	0.24
Long-Term Debt-to-Capital Ratio	0.19	0.19	0.21	0.22	0.24
Financial Leverage Ratio	4.53	4.53	4.92	4.57	5.36
Debt Service Coverage Ratio	22.27	22.27	17.42	15.15	11.47
Interest Coverage Ratio	23.92	23.92	19.34	15.52	10.62
Debt to Market Cap	0.12	0.11	0.14	0.18	0.18
Interest Debt Per Share	16.42	16.18	15.53	14.85	14.07
Net Debt to EBITDA	0.79	0.79	0.99	1.18	1.43
Profitability Margins
Gross Profit Margin	46.23%	46.08%	15.05%	13.02%	9.39%
EBIT Margin	17.50%	17.55%	14.59%	12.69%	10.35%
EBITDA Margin	18.89%	18.95%	15.94%	14.79%	13.21%
Operating Profit Margin	16.80%	16.84%	14.59%	12.69%	10.35%
Pretax Profit Margin	16.80%	16.84%	14.59%	12.69%	10.35%
Net Profit Margin	13.54%	13.57%	11.79%	10.29%	8.32%
Continuous Operations Profit Margin	13.54%	13.57%	11.79%	10.29%	8.32%
Net Income Per EBT	80.59%	80.59%	80.83%	81.09%	80.42%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	4.46%	4.46%	3.84%	3.57%	2.49%
Return on Equity (ROE)	21.37%	20.21%	18.92%	16.34%	13.34%
Return on Capital Employed (ROCE)	5.57%	5.57%	4.79%	8.85%	3.19%
Return on Invested Capital (ROIC)	28.21%	28.21%	23.80%	7.18%	1.82%
Return on Tangible Assets	4.59%	4.59%	3.97%	3.71%	2.59%
Earnings Yield	10.40%	9.86%	9.68%	10.14%	7.39%
Efficiency Ratios
Receivables Turnover	4.49	4.47	4.40	1.91	1.83
Payables Turnover	24.90	24.90	36.50	0.00	30.10
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	30.44	30.35	29.71	27.15	23.57
Asset Turnover	0.33	0.33	0.33	0.35	0.30
Working Capital Turnover Ratio	2.76	2.85	-3.76	1.84	0.87
Cash Conversion Cycle	66.68	66.92	72.98	190.69	186.84
Days of Sales Outstanding	81.34	81.58	82.98	190.69	198.97
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	14.66	14.66	10.00	0.00	12.13
Operating Cycle	81.34	81.58	82.98	190.69	198.97
Cash Flow Ratios
Operating Cash Flow Per Share	21.28	20.97	20.11	13.74	12.34
Free Cash Flow Per Share	20.67	20.37	19.61	13.04	11.80
CapEx Per Share	0.61	0.60	0.49	0.70	0.54
Free Cash Flow to Operating Cash Flow	0.97	0.97	0.98	0.95	0.96
Dividend Paid and CapEx Coverage Ratio	7.57	7.57	8.18	5.52	5.71
Capital Expenditure Coverage Ratio	35.04	35.04	40.75	19.63	22.90
Operating Cash Flow Coverage Ratio	1.35	1.35	1.35	0.97	0.92
Operating Cash Flow to Sales Ratio	0.21	0.21	0.22	0.17	0.18
Free Cash Flow Yield	15.57%	14.78%	17.93%	16.22%	15.56%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.63	10.14	10.34	9.86	13.54
Price-to-Sales (P/S) Ratio	1.31	1.38	1.22	1.01	1.13
Price-to-Book (P/B) Ratio	1.95	2.05	1.95	1.61	1.81
Price-to-Free Cash Flow (P/FCF) Ratio	6.43	6.76	5.58	6.16	6.43
Price-to-Operating Cash Flow Ratio	6.24	6.57	5.44	5.85	6.15
Price-to-Earnings Growth (PEG) Ratio	1.07	0.36	0.35	0.21	-0.76
Price-to-Fair Value	1.95	2.05	1.95	1.61	1.81
Enterprise Value Multiple	7.70	8.06	8.64	8.04	9.96
Enterprise Value	41.19B	43.15B	36.34B	28.92B	28.76B
EV to EBITDA	7.69	8.06	8.64	8.04	9.96
EV to Sales	1.45	1.53	1.38	1.19	1.32
EV to Free Cash Flow	7.16	7.50	6.30	7.22	7.50
EV to Operating Cash Flow	6.96	7.29	6.15	6.85	7.18
Tangible Book Value Per Share	59.30	58.43	47.29	41.38	33.69
Shareholders’ Equity Per Share	68.20	67.21	55.96	49.91	41.97
Tax and Other Ratios
Effective Tax Rate	0.19	0.19	0.19	0.19	0.20
Revenue Per Share	101.84	100.06	89.77	79.23	67.28
Net Income Per Share	13.78	13.58	10.59	8.15	5.60
Tax Burden	0.81	0.81	0.81	0.81	0.80
Interest Burden	0.96	0.96	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	0.00	0.00	0.00	0.00
Income Quality	1.54	1.54	1.90	1.69	2.21

Currency in USD