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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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675 Followers

Hartford Insurance Ratios

HIG's free cash flow for Q3 2025 was $0.18. For the 2025 fiscal year, HIG's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	17.79	16.69	0.69	24.79	84.01
Quick Ratio	17.79	16.69	0.69	29.81	98.44
Cash Ratio	0.24	0.30	<0.01	0.11	0.30
Solvency Ratio	0.06	0.05	0.06	0.04	0.62
Operating Cash Flow Ratio	9.75	9.62	0.12	1.90	5.96
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -55.62B	$ -54.22B	$ -30.38B	$ -7.16B	$ 52.77B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.06	0.06	0.06
Debt-to-Equity Ratio	0.24	0.27	0.28	0.32	0.28
Debt-to-Capital Ratio	0.19	0.21	0.22	0.24	0.22
Long-Term Debt-to-Capital Ratio	0.19	0.21	0.22	0.24	0.22
Financial Leverage Ratio	4.61	4.92	5.01	5.36	4.29
Debt Service Coverage Ratio	19.77	17.42	16.15	12.46	14.01
Interest Coverage Ratio	22.11	19.34	16.62	14.20	12.03
Debt to Market Cap	0.12	0.14	0.17	0.18	0.21
Interest Debt Per Share	16.27	15.53	14.85	14.07	14.83
Net Debt to EBITDA	0.88	0.99	1.12	1.33	1.24
Profitability Margins
Gross Profit Margin	16.14%	15.05%	100.00%	78.40%	78.66%
EBIT Margin	16.14%	14.59%	13.40%	11.05%	13.98%
EBITDA Margin	17.38%	15.94%	15.48%	13.84%	17.02%
Operating Profit Margin	15.96%	14.59%	13.48%	13.53%	12.57%
Pretax Profit Margin	15.96%	14.59%	12.59%	10.10%	12.93%
Net Profit Margin	12.84%	11.79%	10.21%	8.13%	10.59%
Continuous Operations Profit Margin	12.84%	11.79%	10.21%	8.13%	10.59%
Net Income Per EBT	80.48%	80.83%	81.09%	80.56%	81.87%
EBT Per EBIT	100.00%	100.00%	93.38%	74.64%	102.88%
Return on Assets (ROA)	4.19%	3.84%	3.26%	2.49%	3.10%
Return on Equity (ROE)	20.55%	18.92%	16.34%	13.34%	13.29%
Return on Capital Employed (ROCE)	5.24%	4.79%	7.96%	4.27%	3.71%
Return on Invested Capital (ROIC)	25.91%	23.80%	4.07%	2.43%	2.04%
Return on Tangible Assets	4.31%	3.97%	3.38%	2.59%	3.21%
Earnings Yield	9.69%	9.68%	10.02%	7.39%	9.84%
Efficiency Ratios
Receivables Turnover	4.23	4.40	1.93	1.88	2.04
Payables Turnover	37.84	36.50	0.00	7.34	6.96
Inventory Turnover	0.00	0.00	0.00	-0.46	-0.48
Fixed Asset Turnover	29.95	29.71	27.37	24.12	21.80
Asset Turnover	0.33	0.33	0.32	0.31	0.29
Working Capital Turnover Ratio	2.74	-3.76	1.25	0.42	0.39
Cash Conversion Cycle	76.71	72.98	189.16	-653.74	-630.86
Days of Sales Outstanding	86.36	82.98	189.16	194.45	178.80
Days of Inventory Outstanding	0.00	0.00	0.00	-798.47	-757.19
Days of Payables Outstanding	9.65	10.00	0.00	49.72	52.47
Operating Cycle	86.36	82.98	189.16	-604.02	-578.39
Cash Flow Ratios
Operating Cash Flow Per Share	21.32	20.11	13.74	12.34	11.72
Free Cash Flow Per Share	20.97	19.61	13.04	11.80	11.34
CapEx Per Share	0.35	0.49	0.70	0.54	0.38
Free Cash Flow to Operating Cash Flow	0.98	0.98	0.95	0.96	0.97
Dividend Paid and CapEx Coverage Ratio	8.54	8.18	5.52	5.71	6.41
Capital Expenditure Coverage Ratio	61.73	40.75	19.63	22.90	30.77
Operating Cash Flow Coverage Ratio	1.37	1.35	0.97	0.92	0.83
Operating Cash Flow to Sales Ratio	0.22	0.22	0.17	0.18	0.18
Free Cash Flow Yield	16.17%	17.93%	16.02%	15.56%	16.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.32	10.34	9.98	13.54	10.17
Price-to-Sales (P/S) Ratio	1.31	1.22	1.02	1.10	1.08
Price-to-Book (P/B) Ratio	1.99	1.95	1.63	1.81	1.35
Price-to-Free Cash Flow (P/FCF) Ratio	6.18	5.58	6.24	6.43	6.09
Price-to-Operating Cash Flow Ratio	6.13	5.44	5.92	6.15	5.89
Price-to-Earnings Growth (PEG) Ratio	0.95	0.35	0.21	-0.76	0.25
Price-to-Fair Value	1.99	1.95	1.63	1.81	1.35
Enterprise Value Multiple	8.44	8.64	7.70	9.29	7.57
Enterprise Value	40.65B	36.34B	29.23B	28.76B	28.84B
EV to EBITDA	8.44	8.64	7.70	9.29	7.57
EV to Sales	1.47	1.38	1.19	1.29	1.29
EV to Free Cash Flow	6.90	6.30	7.30	7.50	7.28
EV to Operating Cash Flow	6.79	6.15	6.93	7.18	7.05
Tangible Book Value Per Share	56.80	47.29	63.15	33.69	197.26
Shareholders’ Equity Per Share	65.68	55.96	49.91	41.97	51.11
Tax and Other Ratios
Effective Tax Rate	0.20	0.19	0.19	0.20	0.18
Revenue Per Share	98.63	89.77	79.87	68.85	64.14
Net Income Per Share	12.67	10.59	8.15	5.60	6.79
Tax Burden	0.80	0.81	0.81	0.81	0.82
Interest Burden	0.99	1.00	0.94	0.91	0.93
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	<0.01	<0.01
Income Quality	1.68	1.90	1.69	2.21	1.73

Currency in USD