Hartford Insurance (HFF) Ratios
Hartford Insurance Ratios
DE:HFF's free cash flow for Q3 2026 was $2.90B. For the 2026 fiscal year, DE:HFF's free cash flow was decreased by $-50.00M and operating cash flow was $2.95B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 17.65 | 16.69 | 0.33 | 24.79 | 0.00 |
| Quick Ratio | 17.65 | 16.69 | 0.33 | 24.79 | 0.00 |
| Cash Ratio | 0.22 | 0.30 | 0.00 | 0.11 | 0.00 |
| Solvency Ratio | 0.06 | 0.05 | 0.06 | 0.04 | 0.05 |
| Operating Cash Flow Ratio | 9.68 | 9.62 | 0.12 | 1.90 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -56.22B | $ -54.22B | $ -43.22B | $ -7.16B | $ -58.73B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 |
| Debt-to-Equity Ratio | 0.23 | 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 | 4.53 | 4.92 | 4.57 | 5.36 | 4.29 |
| Debt Service Coverage Ratio | 22.27 | 17.42 | 15.15 | 11.47 | 13.04 |
| Interest Coverage Ratio | 23.92 | 19.34 | 15.52 | 10.62 | 12.41 |
| Debt to Market Cap | 0.11 | 0.14 | 0.18 | 0.18 | 0.21 |
| Interest Debt Per Share | 16.18 | 15.53 | 14.85 | 14.07 | 14.83 |
| Net Debt to EBITDA | 0.79 | 0.99 | 1.18 | 1.43 | 1.32 |
| Profitability Margins | |||||
| Gross Profit Margin | 46.08% | 15.05% | 13.02% | 9.39% | 11.41% |
| EBIT Margin | 17.55% | 14.59% | 12.69% | 10.35% | 13.42% |
| EBITDA Margin | 18.95% | 15.94% | 14.79% | 13.21% | 16.56% |
| Operating Profit Margin | 16.84% | 14.59% | 12.69% | 10.35% | 13.42% |
| Pretax Profit Margin | 16.84% | 14.59% | 12.69% | 10.35% | 13.42% |
| Net Profit Margin | 13.57% | 11.79% | 10.29% | 8.32% | 10.95% |
| Continuous Operations Profit Margin | 13.57% | 11.79% | 10.29% | 8.32% | 10.95% |
| Net Income Per EBT | 80.59% | 80.83% | 81.09% | 80.42% | 81.62% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 4.46% | 3.84% | 3.57% | 2.49% | 3.10% |
| Return on Equity (ROE) | 20.21% | 18.92% | 16.34% | 13.34% | 13.29% |
| Return on Capital Employed (ROCE) | 5.57% | 4.79% | 8.85% | 3.19% | 3.79% |
| Return on Invested Capital (ROIC) | 28.21% | 23.80% | 7.18% | 1.82% | 3.10% |
| Return on Tangible Assets | 4.59% | 3.97% | 3.71% | 2.59% | 3.21% |
| Earnings Yield | 9.86% | 9.68% | 10.14% | 7.39% | 9.84% |
| Efficiency Ratios | |||||
| Receivables Turnover | 4.47 | 4.40 | 1.91 | 1.83 | 1.97 |
| Payables Turnover | 24.90 | 36.50 | 0.00 | 30.10 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 30.35 | 29.71 | 27.15 | 23.57 | 21.08 |
| Asset Turnover | 0.33 | 0.33 | 0.35 | 0.30 | 0.28 |
| Working Capital Turnover Ratio | 2.85 | -3.76 | 1.84 | 0.87 | 5.62 |
| Cash Conversion Cycle | 66.92 | 72.98 | 190.69 | 186.84 | 184.92 |
| Days of Sales Outstanding | 81.58 | 82.98 | 190.69 | 198.97 | 184.92 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 14.66 | 10.00 | 0.00 | 12.13 | 0.00 |
| Operating Cycle | 81.58 | 82.98 | 190.69 | 198.97 | 184.92 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 20.97 | 20.11 | 13.74 | 12.34 | 11.72 |
| Free Cash Flow Per Share | 20.37 | 19.61 | 13.04 | 11.80 | 11.34 |
| Dividend Paid and CapEx Coverage Ratio | 7.57 | 8.18 | 5.52 | 5.71 | 6.41 |
| Capital Expenditure Coverage Ratio | 35.04 | 40.75 | 19.63 | 22.90 | 30.77 |
| Operating Cash Flow Coverage Ratio | 1.35 | 1.35 | 0.97 | 0.92 | 0.83 |
| Operating Cash Flow to Sales Ratio | 0.21 | 0.22 | 0.17 | 0.18 | 0.19 |
| Free Cash Flow Yield | 14.78% | 17.93% | 16.22% | 15.56% | 16.43% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.20 | 10.41 | 9.86 | 13.54 | 10.17 |
| Price-to-Sales (P/S) Ratio | 1.38 | 1.22 | 1.01 | 1.13 | 1.11 |
| Price-to-Book (P/B) Ratio | 2.05 | 1.95 | 1.61 | 1.81 | 1.35 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.76 | 5.58 | 6.16 | 6.43 | 6.09 |
| Price-to-Operating Cash Flow Ratio | 6.57 | 5.44 | 5.85 | 6.15 | 5.89 |
| Price-to-Earnings Growth (PEG) Ratio | 0.36 | 0.35 | 0.21 | -0.76 | 0.25 |
| Enterprise Value Multiple | 8.06 | 8.64 | 8.04 | 9.96 | 8.04 |
| Enterprise Value | 43.15B | 36.34B | 28.92B | 28.76B | 28.84B |
| EV to EBITDA | 8.06 | 8.64 | 8.04 | 9.96 | 8.04 |
| EV to Sales | 1.53 | 1.38 | 1.19 | 1.32 | 1.33 |
| EV to Free Cash Flow | 7.50 | 6.30 | 7.22 | 7.50 | 7.28 |
| EV to Operating Cash Flow | 7.29 | 6.15 | 6.85 | 7.18 | 7.05 |
| Tangible Book Value Per Share | 58.43 | 47.29 | 41.38 | 33.69 | 43.18 |
| Shareholders’ Equity Per Share | 67.21 | 55.96 | 49.91 | 41.97 | 51.11 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.19 | 0.19 | 0.20 | 0.18 |
| Revenue Per Share | 100.06 | 89.77 | 79.23 | 67.28 | 62.01 |
| Net Income Per Share | 13.58 | 10.59 | 8.15 | 5.60 | 6.79 |
| Tax Burden | 0.81 | 0.81 | 0.81 | 0.80 | 0.82 |
| Interest Burden | 0.96 | 1.00 | 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.54 | 1.90 | 1.69 | 2.21 | 1.73 |
Currency in USD
