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HIG

9/9 Score

The Hartford Financial Services Group, Inc.

Analysis Date: February 1, 2026

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 21.4%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 28.2%

  • Cash Machine

    FCF / Assets > 5%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 10.2%

  • Share Buybacks

    Share Count is Dropping

    Value: -3.9%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 46.2%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.23x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 180.2%

Analysis Summary

This looks like a company with a strong engine, churning out excellent returns on capital and a healthy cash flow to boot. They've managed their debt prudently and appear to be trading at a reasonable valuation, all while maintaining a solid competitive moat. It's always good to see a business returning capital to shareholders, and the consistency here is certainly noteworthy.

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