The Hartford Financial Services Group (HIG) Financials

$129.89 -1.32 (-1.00%)

As of 01:35 PM Eastern

Annual Income Statements for The Hartford Financial Services Group

This table shows The Hartford Financial Services Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	3,090	2,483	1,798	2,350	1,716	2,064	1,801	-3,131	896	1,682
Consolidated Net Income / (Loss)	3,111	2,504	1,819	2,371	1,737	2,085	1,807	-3,131	896	1,682
Net Income / (Loss) Continuing Operations	3,111	2,504	1,819	2,371	1,737	2,267	1,485	-262	613	1,189
Total Pre-Tax Income	3,849	3,088	2,262	2,905	2,120	2,560	1,753	723	447	1,478
Total Operating Income	4,048	3,287	2,475	3,139	2,356	3,091	2,057	1,039	857	1,816
Total Gross Profit	26,535	24,527	22,362	22,390	20,523	20,740	18,955	17,162	16,374	15,968
Total Revenue	26,535	24,527	22,362	22,390	20,523	20,740	18,955	17,162	16,374	15,968
Operating Revenue	26,535	24,527	22,362	22,390	20,523	20,740	18,955	16,997	16,401	16,009
Total Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Operating Expenses	22,487	21,240	19,887	19,251	18,167	17,649	16,898	16,123	15,517	14,152
Selling, General & Admin Expense	5,258	4,881	4,841	4,791	4,480	4,580	4,281	4,563	-	-
Amortization Expense	2,353	2,115	1,895	1,739	1,778	1,688	1,452	1,386	1,381	1,368
Other Operating Expenses / (Income)	14,874	14,238	13,138	12,720	11,805	11,563	11,165	10,174	14,136	12,784
Restructuring Charge	2.00	6.00	13	1.00	104	0.00	0.00	-	-	-
Total Other Income / (Expense), net	-199	-199	-213	-234	-236	-349	-304	-316	-410	-338
Interest Expense	199	199	213	234	236	349	304	316	327	367
Income Tax Expense	738	584	443	534	383	475	268	985	-166	289
Basic Earnings per Share	$10.51	$8.09	$5.54	$6.73	$4.79	$5.72	$5.03	($8.61)	$2.31	$4.05
Weighted Average Basic Shares Outstanding	285.39M	297.35M	313.06M	331.65M	357.51M	358.25M	359.47M	356.98M	370.19M	396.68M
Diluted Earnings per Share	$10.35	$7.97	$5.46	$6.64	$4.76	$5.66	$4.95	($8.61)	$2.27	$3.96
Weighted Average Diluted Shares Outstanding	285.39M	297.35M	313.06M	331.65M	357.51M	358.25M	359.47M	356.98M	370.19M	396.68M
Weighted Average Basic & Diluted Shares Outstanding	285.39M	297.35M	313.06M	331.65M	357.51M	358.25M	359.47M	356.98M	370.19M	396.68M
Cash Dividends to Common per Share	$1.93	-	$1.58	$1.44	$1.30	$1.20	$1.10	$0.94	$0.86	$0.78

This table shows The Hartford Financial Services Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	625	848	761	733	748	766	645	542	530	587	334
Consolidated Net Income / (Loss)	630	853	767	738	753	771	651	547	535	592	340
Net Income / (Loss) Continuing Operations	630	853	767	738	753	771	651	547	535	592	340
Total Pre-Tax Income	783	1,074	952	912	911	950	813	672	653	735	432
Total Operating Income	833	1,124	1,001	962	961	999	863	722	703	785	482
Total Gross Profit	6,810	6,879	6,751	6,486	6,419	6,400	6,168	6,049	5,910	6,016	5,580
Total Revenue	6,810	6,879	6,751	6,486	6,419	6,400	6,168	6,049	5,910	6,016	5,580
Operating Revenue	6,810	6,879	6,751	6,486	6,419	6,400	6,168	6,049	5,910	6,016	5,580
Total Cost of Revenue	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Operating Expenses	5,977	5,755	5,750	5,524	5,458	5,401	5,305	5,327	5,207	5,231	5,098
Selling, General & Admin Expense	1,352	1,367	1,323	1,285	1,283	1,214	1,226	1,225	1,216	1,200	1,206
Amortization Expense	625	609	603	578	563	552	535	519	509	491	482
Other Operating Expenses / (Income)	4,000	3,779	3,823	3,661	3,611	3,633	3,543	3,580	3,482	3,537	3,407
Restructuring Charge	0.00	-	1.00	0.00	1.00	2.00	1.00	3.00	0.00	3.00	3.00
Total Other Income / (Expense), net	-50	-50	-49	-50	-50	-49	-50	-50	-50	-50	-50
Interest Expense	50	50	49	50	50	49	50	50	50	50	50
Income Tax Expense	153	221	185	174	158	179	162	125	118	143	92
Basic Earnings per Share	$2.18	$2.92	$2.60	$2.48	$2.51	$2.53	$2.12	$1.75	$1.69	$1.84	$1.04
Weighted Average Basic Shares Outstanding	284.10M	285.39M	289.89M	293.01M	295.76M	297.35M	300.77M	305.82M	310.23M	313.06M	318.10M
Diluted Earnings per Share	$2.15	$2.88	$2.56	$2.44	$2.47	$2.49	$2.09	$1.73	$1.66	$1.82	$1.02
Weighted Average Diluted Shares Outstanding	284.10M	285.39M	289.89M	293.01M	295.76M	297.35M	300.77M	305.82M	310.23M	313.06M	318.10M
Weighted Average Basic & Diluted Shares Outstanding	284.10M	285.39M	289.89M	293.01M	295.76M	297.35M	300.77M	305.82M	310.23M	313.06M	318.10M
Cash Dividends to Common per Share	$0.52	-	$0.47	$0.47	$0.47	-	$0.43	$0.43	$0.43	-	$0.39

This table details how cash moves in and out of The Hartford Financial Services Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	45	-155	7.00	98	-23	141	-596	-148	185	2.00
Net Cash From Operating Activities	5,909	4,220	4,008	4,093	3,871	3,489	2,843	2,186	2,066	2,756
Net Cash From Continuing Operating Activities	5,909	4,220	4,008	4,093	3,871	3,489	2,843	2,186	2,066	2,756
Net Income / (Loss) Continuing Operations	3,111	2,504	1,819	2,371	1,737	2,085	1,807	-3,131	896	1,682
Consolidated Net Income / (Loss)	3,111	2,504	1,819	2,371	1,737	2,085	1,807	-3,131	896	1,682
Depreciation Expense	356	510	625	680	562	451	467	399	398	373
Amortization Expense	2,282	2,044	1,824	1,668	1,706	1,622	1,442	1,417	1,523	1,502
Non-Cash Adjustments To Reconcile Net Income	-451	-675	-396	-1,282	-598	-386	-354	2,958	540	347
Changes in Operating Assets and Liabilities, net	611	-163	136	656	464	-283	-519	543	-1,291	-1,148
Net Cash From Investing Activities	-3,768	-2,431	-1,277	-2,466	-2,066	-2,148	-1,962	-1,442	949	485
Net Cash From Continuing Investing Activities	-3,768	-2,431	-1,277	-2,466	-2,066	-2,148	-1,962	-1,442	949	485
Purchase of Property, Plant & Equipment	-145	-215	-175	-133	-114	-105	-122	-250	-224	-307
Purchase of Investments	-14,199	-10,357	-16,002	-23,751	-22,442	-19,706	-24,897	-32,019	-23,977	-29,622
Sale and/or Maturity of Investments	11,532	9,147	16,614	23,613	21,309	20,322	22,903	32,878	25,965	31,141
Other Investing Activities, net	-956	-1,006	-1,714	-2,206	-819	-758	-961	-850	-640	-727
Net Cash From Financing Activities	-2,076	-1,947	-2,710	-1,581	-1,778	-1,191	-1,467	-979	-2,541	-3,144
Net Cash From Continuing Financing Activities	-2,076	-1,947	-2,710	-1,581	-1,778	-1,191	-1,467	-979	-2,541	-3,144
Repayment of Debt	0.00	0.00	-600	0.00	-500	-1,583	-828	-429	-292	-806
Repurchase of Common Equity	-1,492	-1,394	-1,569	-1,677	-171	-200	0.00	-1,038	-1,330	-1,250
Payment of Dividends	-577	-549	-527	-506	-478	-454	-379	-341	-334	-316
Other Financing Activities, net	-7.00	-4.00	-14	14	-42	-7.00	-463	-991	-782	-1,321
Effect of Exchange Rate Changes	-20	3.00	-14	-6.00	8.00	-9.00	-10	70	-40	-48
Cash Interest Paid	211	209	212	214	232	261	292	322	336	361
Cash Income Taxes Paid	812	622	548	496	-71	-396	-	-6.00	130	80

This table details how cash moves in and out of The Hartford Financial Services Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-18	-47	71	-112	133	8.00	-41	4.00	-126	59	-63
Net Cash From Operating Activities	985	1,874	1,678	1,260	1,097	1,627	1,771	-49	871	1,084	1,521
Net Cash From Continuing Operating Activities	985	1,874	1,678	1,260	1,097	1,627	1,771	-49	871	1,084	1,521
Net Income / (Loss) Continuing Operations	630	853	767	738	753	771	651	547	535	592	340
Consolidated Net Income / (Loss)	630	853	767	738	753	771	651	547	535	592	340
Depreciation Expense	92	84	85	60	127	124	128	129	129	131	156
Amortization Expense	607	591	585	561	545	534	517	502	491	473	464
Non-Cash Adjustments To Reconcile Net Income	-415	63	179	-280	-413	-196	68	-249	-298	-338	233
Changes in Operating Assets and Liabilities, net	71	283	62	181	85	394	407	-978	14	226	328
Net Cash From Investing Activities	-401	-1,356	-1,089	-888	-435	-1,165	-1,319	499	-446	-572	-1,092
Net Cash From Continuing Investing Activities	-401	-1,356	-1,089	-888	-435	-1,165	-1,319	499	-446	-572	-1,092
Purchase of Property, Plant & Equipment	-38	26	-60	-61	-50	-64	-52	-50	-49	-53	-45
Purchase of Investments	-2,456	-4,246	-3,704	-4,367	-1,882	-3,126	-2,488	-905	-3,838	-3,696	-3,181
Sale and/or Maturity of Investments	2,254	3,005	2,919	3,852	1,756	2,248	1,425	1,705	3,769	3,476	2,548
Other Investing Activities, net	-161	-141	-244	-312	-259	-223	-204	-251	-328	-299	-414
Net Cash From Financing Activities	-608	-547	-520	-480	-529	-454	-489	-459	-545	-457	-480
Net Cash From Continuing Financing Activities	-608	-547	-520	-480	-529	-454	-489	-459	-545	-457	-480
Repurchase of Common Equity	-454	-408	-375	-332	-377	-319	-350	-343	-382	-335	-350
Payment of Dividends	-155	-142	-144	-145	-146	-134	-137	-139	-139	-128	-132
Other Financing Activities, net	1.00	3.00	-1.00	-3.00	-6.00	-1.00	-2.00	23	-24	6.00	2.00
Effect of Exchange Rate Changes	6.00	-18	2.00	-4.00	0.00	-	-4.00	13	-6.00	4.00	-12
Cash Interest Paid	61	43	62	54	52	54	52	42	61	40	56
Cash Income Taxes Paid	-4.00	1,475	-206	-455	-2.00	1,104	-12	-470	0.00	1,002	-175

This table presents The Hartford Financial Services Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	80,917	76,780	73,008	76,578	74,111	70,817	62,307	225,260	224,576	228,348
Total Current Assets	59,970	56,219	51,973	62,531	151	52,258	35,714	43,365	207,366	63,181
Cash & Equivalents	183	126	229	205	151	185	112	180	328	448
Short-Term Investments	47,393	44,399	40,795	52,366	-	46,827	35,603	39,275	34,288	59,196
Note & Lease Receivable	6,396	6,087	6,000	5,383	-	-	-1.00	-	-	-
Other Current Assets	5,998	5,607	4,949	4,445	-	5,169	-	3,910	3,730	-
Plant, Property, & Equipment, net	888	896	927	1,027	1,122	1,181	1,006	1,034	991	974
Total Noncurrent Assets	20,059	19,665	20,108	13,020	72,838	17,378	61,189	180,861	16,108	163,883
Long-Term Investments	5,871	5,840	6,137	-	56,532	1,988	34,092	2,696	2,472	7,788
Goodwill	1,911	1,911	1,911	1,911	1,911	1,913	1,290	1,290	567	498
Intangible Assets	637	707	778	858	950	1,070	657	659	44	-
Noncurrent Deferred & Refundable Income Taxes	1,229	1,173	1,437	270	46	299	-1,248	1,164	2,999	3,206
Other Noncurrent Operating Assets	10,411	10,034	9,845	9,981	13,399	7,893	-5,500	171,877	7,140	146,767
Total Liabilities & Shareholders' Equity	80,917	76,780	73,008	76,578	74,111	70,817	62,307	225,260	224,576	228,348
Total Liabilities	64,470	61,453	59,332	58,735	55,555	54,547	49,206	211,766	207,673	210,706
Total Current Liabilities	44,610	42,318	41,243	39,659	37,855	37,017	33,442	195,049	192,267	59,658
Other Current Liabilities	44,610	42,318	41,243	39,659	37,855	36,517	33,029	32,287	28,317	59,383
Total Noncurrent Liabilities	19,860	19,135	18,089	19,076	17,700	17,530	15,764	16,717	15,406	151,048
Long-Term Debt	4,366	4,362	4,357	4,944	4,352	4,348	4,265	4,678	4,494	5,084
Other Noncurrent Operating Liabilities	15,494	14,773	13,732	14,132	13,190	13,182	11,499	12,039	10,912	145,964
Total Equity & Noncontrolling Interests	16,447	15,327	13,676	17,843	18,556	16,270	13,101	13,494	16,903	17,642
Total Preferred & Common Equity	16,447	15,327	13,676	17,843	18,556	16,270	13,101	13,494	16,903	17,642
Preferred Stock	334	334	334	334	334	334	334	0.00	-	-
Total Common Equity	16,113	14,993	13,342	17,509	18,222	15,936	12,767	13,494	16,903	17,642
Common Stock	581	651	1,898	3,313	4,326	4,316	4,382	4,383	5,251	8,978
Retained Earnings	21,531	19,007	17,058	15,764	13,918	12,685	11,055	9,642	13,114	12,550
Treasury Stock	-3,113	-1,816	-1,773	-1,740	-1,192	-1,117	-1,091	-1,194	-1,125	-3,557
Accumulated Other Comprehensive Income / (Loss)	-2,886	-2,849	-3,841	172	1,170	52	-1,579	663	-337	-329

This table presents The Hartford Financial Services Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Total Assets	82,307	80,917	81,219	79,046	77,710	76,780	74,516	73,895	74,249	73,008	71,801
Total Current Assets	61,191	59,970	60,254	58,062	56,981	56,219	53,256	52,801	59,156	51,973	175
Cash & Equivalents	138	183	223	154	274	126	111	150	152	229	175
Short-Term Investments	48,311	47,393	47,465	45,216	44,522	44,399	41,594	41,053	47,620	40,795	-
Note & Lease Receivable	6,356	6,396	6,415	6,357	6,197	6,087	6,016	6,020	6,047	6,000	-
Other Current Assets	6,386	5,998	6,151	6,335	5,988	5,607	5,535	5,578	5,271	4,949	-
Plant, Property, & Equipment, net	909	888	871	878	879	896	894	884	904	927	941
Total Noncurrent Assets	20,207	20,059	20,094	20,106	19,850	19,665	20,366	20,210	14,189	20,108	70,640
Long-Term Investments	5,888	5,871	5,915	5,746	5,803	5,840	5,710	5,595	-	6,137	44,730
Goodwill	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911
Intangible Assets	619	637	654	672	690	707	725	743	760	778	796
Noncurrent Deferred & Refundable Income Taxes	1,098	1,229	976	1,234	1,182	1,173	1,486	1,342	1,260	1,437	1,507
Other Noncurrent Operating Assets	10,691	10,411	10,638	10,543	10,264	10,034	10,534	10,619	10,258	9,845	15,765
Total Liabilities & Shareholders' Equity	82,307	80,917	81,219	79,046	77,710	76,780	74,516	73,895	74,249	73,008	71,801
Total Liabilities	65,463	64,470	64,211	63,366	62,242	61,453	60,837	59,743	59,909	59,332	58,846
Total Current Liabilities	45,266	44,610	43,881	43,323	42,771	42,318	41,686	41,219	41,582	41,243	40,601
Other Current Liabilities	45,266	44,610	43,881	43,323	42,771	42,318	41,686	41,219	41,582	41,243	40,601
Total Noncurrent Liabilities	20,197	19,860	20,330	20,043	19,471	19,135	19,151	18,524	18,327	18,089	18,245
Long-Term Debt	4,368	4,366	4,365	4,364	4,363	4,362	4,361	4,360	4,358	4,357	4,356
Other Noncurrent Operating Liabilities	15,829	15,494	15,965	15,679	15,108	14,773	14,790	14,164	13,969	13,732	13,889
Total Equity & Noncontrolling Interests	16,844	16,447	17,008	15,680	15,468	15,327	13,679	14,152	14,340	13,676	12,955
Total Preferred & Common Equity	16,844	16,447	17,008	15,680	15,468	15,327	13,679	14,152	14,340	13,676	12,955
Preferred Stock	334	334	334	334	334	334	334	334	334	334	334
Total Common Equity	16,510	16,113	16,674	15,346	15,134	14,993	13,345	13,818	14,006	13,342	12,621
Common Stock	527	581	567	561	554	651	1,872	1,867	1,850	1,898	3,281
Retained Earnings	22,007	21,531	20,834	20,209	19,614	19,007	18,382	17,865	17,454	17,058	16,598
Treasury Stock	-3,444	-3,113	-2,722	-2,356	-2,037	-1,816	-2,731	-2,390	-2,044	-1,773	-2,844
Accumulated Other Comprehensive Income / (Loss)	-2,580	-2,886	-2,005	-3,068	-2,997	-2,849	-4,178	-3,524	-3,254	-3,841	-4,414

This table displays calculated financial ratios and metrics derived from The Hartford Financial Services Group's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	8.19%	9.68%	-0.13%	9.10%	-1.05%	9.42%	10.45%	4.81%	2.54%	-57.19%
EBITDA Growth	14.47%	18.62%	-10.26%	18.66%	-10.46%	30.21%	38.91%	5.94%	-27.55%	-77.64%
EBIT Growth	23.15%	32.81%	-21.15%	33.23%	-23.78%	50.27%	97.98%	34.24%	-58.05%	-87.39%
NOPAT Growth	22.75%	33.92%	-22.31%	32.72%	-23.32%	44.47%	562.81%	-132.04%	-19.55%	-87.42%
Net Income Growth	24.24%	37.66%	-23.28%	36.50%	-16.69%	15.38%	157.71%	-449.44%	-46.73%	110.78%
EPS Growth	29.86%	45.97%	-17.77%	39.50%	-15.90%	14.34%	157.49%	-479.30%	-42.68%	128.90%
Operating Cash Flow Growth	40.02%	5.29%	-2.08%	5.74%	10.95%	22.72%	30.05%	5.81%	-25.04%	46.13%
Free Cash Flow Firm Growth	24.13%	250.45%	205.55%	-115.01%	135.21%	-111.19%	220.32%	-605.18%	-25,089.89%	99.39%
Invested Capital Growth	-6.38%	-5.31%	2.63%	11.01%	-20.24%	46.26%	-137.49%	764.92%	53.35%	3.35%
Revenue Q/Q Growth	1.84%	1.59%	0.90%	-2.00%	1.65%	42.52%	-20.32%	8.45%	7.21%	-56.99%
EBITDA Q/Q Growth	2.17%	4.81%	-3.26%	-12.56%	1.34%	498.76%	-56.29%	5.31%	5.44%	-77.89%
EBIT Q/Q Growth	3.19%	6.96%	-6.67%	-20.29%	2.04%	194.53%	-71.41%	23.25%	11.05%	-87.59%
NOPAT Q/Q Growth	2.57%	7.18%	-6.88%	-20.72%	2.54%	191.11%	-33.46%	-163.80%	99.79%	-88.20%
Net Income Q/Q Growth	2.71%	7.70%	-7.00%	9.11%	-0.63%	170.06%	-30.95%	-737.68%	-35.91%	2.37%
EPS Q/Q Growth	3.92%	9.18%	-4.55%	10.48%	-0.63%	20.94%	186.69%	-737.78%	-34.58%	4.76%
Operating Cash Flow Q/Q Growth	4.36%	14.77%	-2.91%	-0.29%	4.68%	1.22%	13.54%	0.05%	-4.40%	-7.86%
Free Cash Flow Firm Q/Q Growth	-13.48%	-0.22%	123.70%	-111.55%	283.15%	-24,314.80%	1,232.26%	-56,429.29%	-701,707.79%	-100.74%
Invested Capital Q/Q Growth	-1.25%	-4.43%	-5.39%	14.16%	-19.12%	0.59%	-105.87%	409.11%	53.83%	2.29%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	25.20%	23.81%	22.02%	24.51%	22.53%	24.90%	20.92%	16.64%	16.46%	23.30%
Operating Margin	15.26%	13.40%	11.07%	14.02%	11.48%	14.90%	10.85%	6.05%	5.23%	11.37%
EBIT Margin	15.26%	13.40%	11.07%	14.02%	11.48%	14.90%	10.85%	6.05%	4.73%	11.55%
Profit (Net Income) Margin	11.72%	10.21%	8.13%	10.59%	8.46%	10.05%	9.53%	-18.24%	5.47%	10.53%
Tax Burden Percent	80.83%	81.09%	80.42%	81.62%	81.93%	81.45%	103.08%	-433.06%	200.45%	113.80%
Interest Burden Percent	95.08%	93.95%	91.39%	92.55%	89.98%	82.82%	85.22%	69.59%	57.75%	80.11%
Effective Tax Rate	19.17%	18.91%	19.58%	18.38%	18.07%	18.55%	15.29%	136.24%	-37.14%	19.55%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.02%	-0.64%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.23%	-6.93%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	9.57%	-19.96%	0.00%	0.00%
Return on Equity (ROE)	19.58%	17.27%	11.54%	13.03%	9.98%	14.20%	13.59%	-20.60%	5.19%	9.25%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-115.31%	0.00%	0.00%
Operating Return on Assets (OROA)	5.13%	4.39%	3.31%	4.17%	3.25%	4.64%	1.43%	0.46%	0.34%	0.78%
Return on Assets (ROA)	3.95%	3.34%	2.43%	3.15%	2.40%	3.13%	1.26%	-1.39%	0.40%	0.71%
Return on Common Equity (ROCE)	19.17%	16.87%	11.30%	12.79%	9.78%	13.87%	13.42%	-20.60%	5.19%	9.25%
Return on Equity Simple (ROE_SIMPLE)	18.92%	16.34%	13.30%	13.29%	9.36%	12.82%	13.79%	-23.20%	5.30%	9.53%
Net Operating Profit after Tax (NOPAT)	3,272	2,665	1,990	2,562	1,930	2,517	1,743	-377	1,175	1,461
NOPAT Margin	12.33%	10.87%	8.90%	11.44%	9.41%	12.14%	9.19%	-2.19%	7.18%	9.15%
Net Nonoperating Expense Percent (NNEP)	-0.34%	-0.36%	-0.38%	-0.38%	-0.40%	-0.79%	-0.21%	6.30%	-0.56%	0.35%
Return On Investment Capital (ROIC_SIMPLE)	15.72%	13.54%	11.04%	-	-	-	-	-	-	-
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.82%	19.90%	21.65%	21.40%	21.83%	22.08%	22.59%	26.59%	0.00%	0.00%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	84.74%	86.60%	88.93%	85.98%	88.52%	85.10%	89.15%	93.95%	94.77%	88.63%
Earnings before Interest and Taxes (EBIT)	4,048	3,287	2,475	3,139	2,356	3,091	2,057	1,039	774	1,845
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	6,686	5,841	4,924	5,487	4,624	5,164	3,966	2,855	2,695	3,720
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.13	1.65	1.73	1.28	0.90	1.25	1.11	1.29	1.09	0.90
Price to Tangible Book Value (P/TBV)	2.52	2.00	2.17	1.52	1.07	1.54	1.31	1.51	1.13	0.92
Price to Revenue (P/Rev)	1.29	1.01	1.03	1.00	0.80	0.96	0.75	1.01	1.12	0.99
Price to Earnings (P/E)	11.08	9.96	12.87	9.55	9.55	9.64	7.85	0.00	20.53	9.42
Dividend Yield	1.76%	2.21%	2.17%	2.18%	2.84%	2.18%	2.79%	1.93%	2.12%	2.15%
Earnings Yield	9.02%	10.04%	7.77%	10.47%	10.48%	10.37%	12.74%	0.00%	4.87%	10.62%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.27	0.28	0.32	0.28	0.23	0.30	0.36	0.37	0.29	0.30
Long-Term Debt to Equity	0.27	0.28	0.32	0.28	0.23	0.27	0.33	0.35	0.27	0.29
Financial Leverage	-2.99	-3.06	-2.87	-2.75	-2.77	-3.72	2.26	2.88	-2.90	-3.50
Leverage Ratio	4.96	5.16	4.75	4.14	4.16	4.53	10.81	14.80	13.11	13.02
Compound Leverage Factor	4.72	4.85	4.34	3.83	3.74	3.75	9.21	10.30	7.57	10.43
Debt to Total Capital	20.98%	22.15%	24.16%	21.70%	19.00%	22.96%	26.31%	27.03%	22.51%	23.30%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	2.37%	2.32%	1.73%	1.91%	1.20%
Long-Term Debt to Total Capital	20.98%	22.15%	24.16%	21.70%	19.00%	20.59%	23.99%	25.30%	20.60%	22.10%
Preferred Equity to Total Capital	1.60%	1.70%	1.85%	1.47%	1.46%	1.58%	1.88%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	77.42%	76.15%	73.99%	76.84%	79.54%	75.46%	71.81%	72.97%	77.49%	76.70%
Debt to EBITDA	0.65	0.75	0.88	0.90	0.94	0.94	1.18	1.75	1.82	1.44
Net Debt to EBITDA	-7.34	-7.88	-8.69	-8.70	-11.32	-8.56	-16.42	-13.01	-11.94	-16.69
Long-Term Debt to EBITDA	0.65	0.75	0.88	0.90	0.94	0.84	1.08	1.64	1.67	1.37
Debt to NOPAT	1.33	1.64	2.19	1.93	2.25	1.93	2.68	-13.27	4.18	3.67
Net Debt to NOPAT	-15.00	-17.26	-21.51	-18.64	-27.11	-17.57	-37.38	98.68	-27.38	-42.49
Long-Term Debt to NOPAT	1.33	1.64	2.19	1.93	2.25	1.73	2.45	-12.42	3.82	3.48
Altman Z-Score	1.41	1.27	1.16	1.30	0.21	1.16	0.88	-0.61	0.30	0.24
Noncontrolling Interest Sharing Ratio	2.10%	2.30%	2.12%	1.84%	1.92%	2.27%	1.26%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.34	1.33	1.26	1.58	0.00	1.41	1.07	0.22	1.08	1.06
Quick Ratio	1.21	1.20	1.14	1.46	0.00	1.27	1.07	0.20	0.18	1.06
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	5,230	4,213	1,202	-1,139	7,588	-21,552	192,554	-160,032	-22,694	-90
Operating Cash Flow to CapEx	4,075.17%	1,962.79%	2,290.29%	3,077.44%	3,395.61%	3,322.86%	2,330.33%	874.40%	922.32%	897.72%
Free Cash Flow to Firm to Interest Expense	26.28	21.17	5.64	-4.87	32.15	-61.75	633.40	-506.43	-69.40	-0.25
Operating Cash Flow to Interest Expense	29.69	21.21	18.82	17.49	16.40	10.00	9.35	6.92	6.32	7.51
Operating Cash Flow Less CapEx to Interest Expense	28.96	20.13	18.00	16.92	15.92	9.70	8.95	6.13	5.63	6.67
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.34	0.33	0.30	0.30	0.28	0.31	0.13	0.08	0.07	0.07
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	4.58
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	29.75	26.91	22.89	20.84	17.82	18.97	18.58	16.95	16.67	17.69
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	79.62
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	79.62
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	-32,634	-30,676	-29,128	-29,916	-33,617	-27,959	-52,028	138,783	-20,872	-44,741
Invested Capital Turnover	-0.84	-0.82	-0.76	-0.70	-0.67	-0.52	0.44	0.29	-0.50	-0.35
Increase / (Decrease) in Invested Capital	-1,958	-1,548	788	3,701	-5,658	24,069	-190,811	159,655	23,869	1,551
Enterprise Value (EV)	-14,499	-20,948	-19,329	-24,985	-35,617	-23,989	-50,657	-19,745	-13,782	-46,236
Market Capitalization	34,248	24,721	23,141	22,440	16,380	19,906	14,138	17,408	18,396	15,837
Book Value per Share	$55.58	$49.85	$41.94	$51.44	$50.85	$44.48	$35.59	$37.83	$44.75	$43.07
Tangible Book Value per Share	$46.79	$41.14	$33.49	$43.31	$42.87	$36.16	$30.16	$32.36	$43.13	$41.85
Total Capital	20,813	19,689	18,033	22,787	22,908	21,118	17,779	18,492	21,813	23,001
Total Debt	4,366	4,362	4,357	4,944	4,352	4,848	4,678	4,998	4,910	5,359
Total Long-Term Debt	4,366	4,362	4,357	4,944	4,352	4,348	4,265	4,678	4,494	5,084
Net Debt	-49,081	-46,003	-42,804	-47,759	-52,331	-44,229	-65,129	-37,153	-32,178	-62,073
Capital Expenditures (CapEx)	145	215	175	133	114	105	122	250	224	307
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-32,216	-30,624	-30,294	-29,831	-37,855	-31,348	-33,030	-190,819	-19,101	-55,846
Debt-free Net Working Capital (DFNWC)	15,360	13,901	10,730	22,872	-37,704	15,741	2,685	-151,364	15,515	3,798
Net Working Capital (NWC)	15,360	13,901	10,730	22,872	-37,704	15,241	2,272	-151,684	15,099	3,523
Net Nonoperating Expense (NNE)	161	161	171	191	193	432	-64	2,754	279	-221
Net Nonoperating Obligations (NNO)	-49,081	-46,003	-42,804	-47,759	-52,173	-44,229	-65,129	125,289	-37,775	-62,383
Total Depreciation and Amortization (D&A)	2,638	2,554	2,449	2,348	2,268	2,073	1,909	1,816	1,921	1,875
Debt-free, Cash-free Net Working Capital to Revenue	-121.41%	-124.86%	-135.47%	-133.23%	-184.45%	-151.15%	-174.25%	-1,111.87%	-116.65%	-349.74%
Debt-free Net Working Capital to Revenue	57.89%	56.68%	47.98%	102.15%	-183.72%	75.90%	14.17%	-881.97%	94.75%	23.79%
Net Working Capital to Revenue	57.89%	56.68%	47.98%	102.15%	-183.72%	73.49%	11.99%	-883.84%	92.21%	22.06%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$10.51	$8.09	$5.52	$6.71	$4.79	$5.72	$5.03	($8.61)	$2.31	$4.05
Adjusted Weighted Average Basic Shares Outstanding	285.39M	297.35M	313.06M	331.65M	357.51M	358.25M	359.47M	356.98M	370.19M	396.68M
Adjusted Diluted Earnings per Share	$10.35	$7.97	$5.44	$6.62	$4.76	$5.66	$4.95	($8.61)	$2.27	$3.96
Adjusted Weighted Average Diluted Shares Outstanding	285.39M	297.35M	313.06M	331.65M	357.51M	358.25M	359.47M	356.98M	370.19M	396.68M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	285.39M	297.35M	313.06M	331.65M	357.51M	358.25M	359.47M	356.98M	370.19M	396.68M
Normalized Net Operating Profit after Tax (NOPAT)	3,273	2,670	2,001	2,563	2,016	2,517	1,743	727	600	1,461
Normalized NOPAT Margin	12.34%	10.89%	8.95%	11.45%	9.82%	12.14%	9.19%	4.24%	3.66%	9.15%
Pre Tax Income Margin	14.51%	12.59%	10.12%	12.97%	10.33%	12.34%	9.25%	4.21%	2.73%	9.26%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	20.34	16.52	11.62	13.41	9.98	8.86	6.77	3.29	2.37	5.03
NOPAT to Interest Expense	16.44	13.39	9.34	10.95	8.18	7.21	5.73	-1.19	3.59	3.98
EBIT Less CapEx to Interest Expense	19.61	15.44	10.80	12.85	9.50	8.56	6.37	2.50	1.68	4.19
NOPAT Less CapEx to Interest Expense	15.71	12.31	8.52	10.38	7.70	6.91	5.33	-1.98	2.91	3.14
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	18.55%	21.92%	28.97%	21.34%	27.52%	21.77%	20.97%	-10.89%	37.28%	18.79%
Augmented Payout Ratio	66.51%	77.60%	115.23%	92.07%	37.36%	31.37%	20.97%	-44.04%	185.71%	93.10%

This table displays calculated financial ratios and metrics derived from The Hartford Financial Services Group's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.09%	7.48%	9.45%	7.22%	8.61%	6.38%	10.54%	12.58%	9.59%	3.44%	-1.86%
EBITDA Growth	-6.18%	8.57%	10.81%	17.00%	23.43%	19.29%	36.84%	10.72%	9.25%	-10.50%	-10.26%
EBIT Growth	-13.32%	12.51%	15.99%	33.24%	36.70%	27.26%	79.05%	19.34%	16.58%	-19.16%	-24.81%
NOPAT Growth	-15.62%	10.11%	16.71%	32.46%	37.91%	28.23%	82.16%	21.21%	16.65%	-19.47%	-28.42%
Net Income Growth	-16.33%	10.64%	17.82%	34.92%	40.75%	30.24%	91.47%	23.20%	20.77%	-19.46%	-29.46%
EPS Growth	-12.96%	15.66%	22.49%	41.04%	48.80%	36.81%	104.90%	31.06%	27.69%	-13.33%	-25.00%
Operating Cash Flow Growth	-10.21%	15.18%	-5.25%	2,671.43%	25.95%	50.09%	16.44%	-105.03%	103.03%	-9.97%	17.72%
Free Cash Flow Firm Growth	24.97%	20.86%	50.86%	168.61%	142.33%	1,614.67%	135.53%	-1,576.47%	-356.39%	94.66%	-195.44%
Invested Capital Growth	-7.66%	-6.38%	-9.72%	-9.85%	-5.59%	-5.31%	-6.28%	16.97%	17.77%	2.63%	20.69%
Revenue Q/Q Growth	-1.00%	1.90%	4.09%	1.04%	0.30%	3.76%	1.97%	2.35%	-1.76%	7.81%	3.85%
EBITDA Q/Q Growth	-14.84%	7.66%	5.56%	-3.06%	-1.45%	9.88%	11.46%	2.27%	-4.75%	26.04%	-9.82%
EBIT Q/Q Growth	-25.89%	12.29%	4.05%	0.10%	-3.80%	15.76%	19.53%	2.70%	-10.45%	62.86%	-20.33%
NOPAT Q/Q Growth	-24.92%	10.69%	3.60%	-2.00%	-2.03%	17.33%	17.58%	2.04%	-8.91%	66.67%	-21.76%
Net Income Q/Q Growth	-26.14%	11.21%	3.93%	-1.99%	-2.33%	18.43%	19.01%	2.24%	-9.63%	74.12%	-23.42%
EPS Q/Q Growth	-25.35%	12.50%	4.92%	-1.21%	-0.80%	19.14%	20.81%	4.22%	-8.79%	78.43%	-22.73%
Operating Cash Flow Q/Q Growth	-47.44%	11.68%	33.17%	14.86%	-32.58%	-8.13%	3,714.29%	-105.63%	-19.65%	-28.73%	56.16%
Free Cash Flow Firm Q/Q Growth	6.19%	-22.14%	2.72%	47.15%	2.69%	-2.81%	146.72%	9.21%	-3,574.38%	97.72%	-2,041.51%
Invested Capital Q/Q Growth	-1.50%	-1.25%	-3.73%	-0.99%	-0.30%	-4.43%	-3.85%	2.93%	-0.04%	-5.39%	18.87%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	22.50%	26.15%	24.75%	24.41%	25.44%	25.89%	24.45%	22.37%	22.39%	23.09%	19.75%
Operating Margin	12.23%	16.34%	14.83%	14.83%	14.97%	15.61%	13.99%	11.94%	11.90%	13.05%	8.64%
EBIT Margin	12.23%	16.34%	14.83%	14.83%	14.97%	15.61%	13.99%	11.94%	11.90%	13.05%	8.64%
Profit (Net Income) Margin	9.25%	12.40%	11.36%	11.38%	11.73%	12.05%	10.55%	9.04%	9.05%	9.84%	6.09%
Tax Burden Percent	80.46%	79.42%	80.57%	80.92%	82.66%	81.16%	80.07%	81.40%	81.93%	80.54%	78.70%
Interest Burden Percent	94.00%	95.55%	95.10%	94.80%	94.80%	95.10%	94.21%	93.07%	92.89%	93.63%	89.63%
Effective Tax Rate	19.54%	20.58%	19.43%	19.08%	17.34%	18.84%	19.93%	18.60%	18.07%	19.46%	21.30%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	18.49%	19.58%	19.74%	19.53%	18.26%	17.27%	17.46%	14.19%	12.64%	11.54%	12.69%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	4.12%	5.50%	4.96%	4.94%	4.93%	5.11%	4.62%	3.84%	3.64%	3.90%	2.59%
Return on Assets (ROA)	3.11%	4.17%	3.80%	3.79%	3.87%	3.95%	3.48%	2.91%	2.77%	2.94%	1.82%
Return on Common Equity (ROCE)	18.11%	19.17%	19.31%	19.09%	17.85%	16.87%	17.02%	13.86%	12.36%	11.30%	12.42%
Return on Equity Simple (ROE_SIMPLE)	17.74%	0.00%	17.81%	18.58%	17.60%	0.00%	17.00%	14.23%	13.33%	0.00%	15.10%
Net Operating Profit after Tax (NOPAT)	670	893	806	778	794	811	691	588	576	632	379
NOPAT Margin	9.84%	12.98%	11.95%	12.00%	12.37%	12.67%	11.20%	9.72%	9.75%	10.51%	6.80%
Net Nonoperating Expense Percent (NNEP)	-0.08%	-0.08%	-0.09%	-0.09%	-0.09%	-0.09%	-0.10%	-0.09%	-0.09%	-0.09%	-0.08%
Return On Investment Capital (ROIC_SIMPLE)	3.16%	4.29%	-	-	-	4.12%	-	-	-	3.51%	-
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.85%	19.87%	19.60%	19.81%	19.99%	18.97%	19.88%	20.25%	20.58%	19.95%	21.61%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	87.77%	83.66%	85.17%	85.17%	85.03%	84.39%	86.01%	88.06%	88.10%	86.95%	91.36%
Earnings before Interest and Taxes (EBIT)	833	1,124	1,001	962	961	999	863	722	703	785	482
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,532	1,799	1,671	1,583	1,633	1,657	1,508	1,353	1,323	1,389	1,102
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.35	2.13	2.21	2.05	2.13	1.65	1.63	1.60	1.52	1.73	1.54
Price to Tangible Book Value (P/TBV)	2.77	2.52	2.61	2.47	2.57	2.00	2.03	1.98	1.88	2.17	1.96
Price to Revenue (P/Rev)	1.44	1.29	1.41	1.24	1.29	1.01	0.90	0.94	0.93	1.03	0.88
Price to Earnings (P/E)	13.06	11.08	12.24	10.88	11.94	9.96	9.45	11.07	11.28	12.87	10.04
Dividend Yield	1.60%	1.76%	1.60%	1.83%	1.74%	2.21%	2.45%	2.36%	2.38%	2.17%	2.56%
Earnings Yield	7.66%	9.02%	8.17%	9.19%	8.37%	10.04%	10.58%	9.03%	8.87%	7.77%	9.96%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.26	0.27	0.26	0.28	0.28	0.28	0.32	0.31	0.30	0.32	0.34
Long-Term Debt to Equity	0.26	0.27	0.26	0.28	0.28	0.28	0.32	0.31	0.30	0.32	0.34
Financial Leverage	-2.98	-2.99	-3.01	-2.99	-3.01	-3.06	-3.14	-3.20	-3.14	-2.87	-3.03
Leverage Ratio	4.95	4.96	5.08	5.13	5.10	5.16	5.49	5.16	4.94	4.75	4.81
Compound Leverage Factor	4.66	4.74	4.83	4.86	4.83	4.91	5.18	4.80	4.59	4.44	4.31
Debt to Total Capital	20.59%	20.98%	20.42%	21.77%	22.00%	22.15%	24.17%	23.55%	23.31%	24.16%	25.16%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	20.59%	20.98%	20.42%	21.77%	22.00%	22.15%	24.17%	23.55%	23.31%	24.16%	25.16%
Preferred Equity to Total Capital	1.57%	1.60%	1.56%	1.67%	1.68%	1.70%	1.85%	1.80%	1.79%	1.85%	1.93%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	77.83%	77.42%	78.01%	76.56%	76.31%	76.15%	73.97%	74.64%	74.91%	73.99%	72.91%
Debt to EBITDA	0.66	0.65	0.67	0.68	0.71	0.75	0.78	0.84	0.87	0.88	0.86
Net Debt to EBITDA	-7.59	-7.34	-7.52	-7.33	-7.52	-7.88	-7.73	-8.21	-8.63	-8.69	-7.97
Long-Term Debt to EBITDA	0.66	0.65	0.67	0.68	0.71	0.75	0.78	0.84	0.87	0.88	0.86
Debt to NOPAT	1.39	1.33	1.37	1.42	1.51	1.64	1.75	2.00	2.10	2.19	2.04
Net Debt to NOPAT	-15.87	-15.00	-15.44	-15.21	-16.03	-17.26	-17.31	-19.51	-20.98	-21.51	-18.97
Long-Term Debt to NOPAT	1.39	1.33	1.37	1.42	1.51	1.64	1.75	2.00	2.10	2.19	2.04
Altman Z-Score	1.32	1.29	1.31	1.24	1.25	1.17	1.11	1.10	1.17	1.08	0.18
Noncontrolling Interest Sharing Ratio	2.07%	2.10%	2.18%	2.24%	2.24%	2.30%	2.51%	2.35%	2.21%	2.12%	2.17%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.35	1.34	1.37	1.34	1.33	1.33	1.28	1.28	1.42	1.26	0.00
Quick Ratio	1.21	1.21	1.23	1.19	1.19	1.20	1.14	1.15	1.29	1.14	0.00
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	3,027	2,851	3,661	3,564	2,422	2,359	2,427	-5,195	-5,722	-156	-6,832
Operating Cash Flow to CapEx	2,592.11%	0.00%	2,796.67%	2,065.57%	2,194.00%	2,542.19%	3,405.77%	-98.00%	1,777.55%	2,045.28%	3,380.00%
Free Cash Flow to Firm to Interest Expense	60.54	57.01	74.72	71.29	48.45	48.14	48.54	-103.91	-114.44	-3.11	-136.63
Operating Cash Flow to Interest Expense	19.70	37.48	34.24	25.20	21.94	33.20	35.42	-0.98	17.42	21.68	30.42
Operating Cash Flow Less CapEx to Interest Expense	18.94	38.00	33.02	23.98	20.94	31.90	34.38	-1.98	16.44	20.62	29.52
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.34	0.34	0.33	0.33	0.33	0.33	0.33	0.32	0.31	0.30	0.30
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	30.12	29.75	29.53	28.91	28.08	26.91	26.31	25.41	24.10	22.89	22.30
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	-33,125	-32,634	-32,230	-31,072	-30,768	-30,676	-29,375	-28,286	-29,140	-29,128	-27,639
Invested Capital Turnover	-0.84	-0.84	-0.85	-0.86	-0.84	-0.82	-0.85	-0.76	-0.71	-0.76	-0.71
Increase / (Decrease) in Invested Capital	-2,357	-1,958	-2,855	-2,786	-1,628	-1,548	-1,736	5,783	6,298	788	7,211
Enterprise Value (EV)	-10,900	-14,499	-12,085	-14,943	-13,641	-20,948	-20,953	-20,037	-21,828	-19,329	-20,779
Market Capitalization	38,735	34,248	36,819	31,475	32,261	24,721	21,767	22,067	21,318	23,141	19,436
Book Value per Share	$57.85	$55.58	$56.91	$51.89	$51.17	$49.85	$43.64	$44.54	$44.74	$41.94	$39.06
Tangible Book Value per Share	$48.99	$46.79	$48.15	$43.15	$42.38	$41.14	$35.02	$35.99	$36.21	$33.49	$30.68
Total Capital	21,212	20,813	21,373	20,044	19,831	19,689	18,040	18,512	18,698	18,033	17,311
Total Debt	4,368	4,366	4,365	4,364	4,363	4,362	4,361	4,360	4,358	4,357	4,356
Total Long-Term Debt	4,368	4,366	4,365	4,364	4,363	4,362	4,361	4,360	4,358	4,357	4,356
Net Debt	-49,969	-49,081	-49,238	-46,752	-46,236	-46,003	-43,054	-42,438	-43,480	-42,804	-40,549
Capital Expenditures (CapEx)	38	-26	60	61	50	64	52	50	49	53	45
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-32,524	-32,216	-31,315	-30,631	-30,586	-30,624	-30,135	-29,621	-30,264	-30,294	-40,601
Debt-free Net Working Capital (DFNWC)	15,925	15,360	16,373	14,739	14,210	13,901	11,570	11,582	17,574	10,730	-40,426
Net Working Capital (NWC)	15,925	15,360	16,373	14,739	14,210	13,901	11,570	11,582	17,574	10,730	-40,426
Net Nonoperating Expense (NNE)	40	40	39	40	41	40	40	41	41	40	39
Net Nonoperating Obligations (NNO)	-49,969	-49,081	-49,238	-46,752	-46,236	-46,003	-43,054	-42,438	-43,480	-42,804	-40,594
Total Depreciation and Amortization (D&A)	699	675	670	621	672	658	645	631	620	604	620
Debt-free, Cash-free Net Working Capital to Revenue	-120.79%	-121.41%	-120.18%	-120.25%	-122.17%	-124.86%	-124.82%	-125.75%	-132.28%	-135.47%	-183.20%
Debt-free Net Working Capital to Revenue	59.14%	57.89%	62.84%	57.86%	56.76%	56.68%	47.92%	49.17%	76.81%	47.98%	-182.41%
Net Working Capital to Revenue	59.14%	57.89%	62.84%	57.86%	56.76%	56.68%	47.92%	49.17%	76.81%	47.98%	-182.41%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.18	$2.92	$2.60	$2.48	$2.51	$2.53	$2.12	$1.75	$1.69	$1.84	$1.03
Adjusted Weighted Average Basic Shares Outstanding	284.10M	285.39M	289.89M	293.01M	295.76M	297.35M	300.77M	305.82M	310.23M	313.06M	318.10M
Adjusted Diluted Earnings per Share	$2.15	$2.88	$2.56	$2.44	$2.47	$2.49	$2.09	$1.73	$1.66	$1.82	$1.02
Adjusted Weighted Average Diluted Shares Outstanding	284.10M	285.39M	289.89M	293.01M	295.76M	297.35M	300.77M	305.82M	310.23M	313.06M	318.10M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	284.10M	285.39M	289.89M	293.01M	295.76M	297.35M	300.77M	305.82M	310.23M	313.06M	318.10M
Normalized Net Operating Profit after Tax (NOPAT)	670	893	807	778	795	812	692	590	576	635	382
Normalized NOPAT Margin	9.84%	12.98%	11.96%	12.00%	12.39%	12.69%	11.22%	9.76%	9.75%	10.55%	6.84%
Pre Tax Income Margin	11.50%	15.61%	14.10%	14.06%	14.19%	14.84%	13.18%	11.11%	11.05%	12.22%	7.74%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	16.66	22.48	20.43	19.24	19.22	20.39	17.26	14.44	14.06	15.70	9.64
NOPAT to Interest Expense	13.40	17.85	16.46	15.57	15.89	16.55	13.82	11.75	11.52	12.65	7.59
EBIT Less CapEx to Interest Expense	15.90	23.00	19.20	18.02	18.22	19.08	16.22	13.44	13.08	14.64	8.74
NOPAT Less CapEx to Interest Expense	12.64	18.37	15.23	14.35	14.89	15.24	12.78	10.75	10.54	11.59	6.69
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	19.61%	18.55%	18.79%	19.29%	20.43%	21.92%	23.35%	26.71%	27.79%	28.97%	26.79%
Augmented Payout Ratio	72.12%	66.51%	65.10%	66.60%	71.45%	77.60%	84.00%	96.72%	106.70%	115.23%	115.34%

Frequently Asked Questions About The Hartford Financial Services Group's Financials

When does The Hartford Financial Services Group's fiscal year end?

According to the most recent income statement we have on file, The Hartford Financial Services Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has The Hartford Financial Services Group's net income changed over the last 9 years?

The Hartford Financial Services Group's net income appears to be on an upward trend, with a most recent value of $3.11 billion in 2024, rising from $1.68 billion in 2015. The previous period was $2.50 billion in 2023. See The Hartford Financial Services Group's forecast for analyst expectations on what’s next for the company.

What is The Hartford Financial Services Group's operating income?

The Hartford Financial Services Group's total operating income in 2024 was $4.05 billion, based on the following breakdown:

Total Gross Profit: $26.54 billion
Total Operating Expenses: $22.49 billion

How has The Hartford Financial Services Group revenue changed over the last 9 years?

Over the last 9 years, The Hartford Financial Services Group's total revenue changed from $15.97 billion in 2015 to $26.54 billion in 2024, a change of 66.2%.

How much debt does The Hartford Financial Services Group have?

The Hartford Financial Services Group's total liabilities were at $64.47 billion at the end of 2024, a 4.9% increase from 2023, and a 69.4% decrease since 2015.

How much cash does The Hartford Financial Services Group have?

In the past 9 years, The Hartford Financial Services Group's cash and equivalents has ranged from $112 million in 2018 to $448 million in 2015, and is currently $183 million as of their latest financial filing in 2024.

How has The Hartford Financial Services Group's book value per share changed over the last 9 years?

Over the last 9 years, The Hartford Financial Services Group's book value per share changed from 43.07 in 2015 to 55.58 in 2024, a change of 29.1%.

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This page (NYSE:HIG) was last updated on 5/21/2025 by MarketBeat.com Staff

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The Hartford Financial Services Group (HIG) Financials

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The Hartford Financial Services Group (HIG) Financials

Annual Income Statements for The Hartford Financial Services Group

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