HIG

HOLD

The Hartford Insurance Group, I

Financial Services · Rank #40 · Analyzed Jul 13, 2026

$138.78

Current Price

$168.81

Intrinsic Value

+21.6%

Upside/Downside

5.6/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus2/3 methods agree

Quality Score3.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 21.6%

Fair Value Range

Low$48.16

Base (IV)$168.81

High$202.57

Entry Points

Conservative$33.71

Moderate$48.16

Aggressive$118.16

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity22.7% → 1.0/1.0

Debt LevelD/E 23 → 1.0/1.0

Revenue QualityGrowth 6.4%, margin Δ+0.0% → 0.5/1.0

Moat Strength2.5/5 → 0.5/1.0

Profit Margins14.1% → 0.5/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.