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The Hartford Financial Services Group HIG Net debt / EBITDA

Net debt / EBITDA at other companies

Cincinnati Financial logo
Cincinnati FinancialCINF
-0.1×0.0×
Progressive logo
ProgressivePGR
0.5×0.0×
The Travelers Companies logo
The Travelers CompaniesTRV
0.8×-0.3×
Chubb logo
ChubbCB
1×-0.1×
MetLife logo
MetLifeMET
-1.1×-17.5×
Prudential Financial logo
Prudential FinancialPRU
0.6×—

Other financials

Income statement

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Revenue$7.2B+6.1%
Net income$856.0M+35.9%
EPS (diluted)$3.04+41.4%

Balance sheet

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Cash & equivalents$166.0M+20.3%
Total debt$4.4B+0.1%
Total equity$18.9B+12.1%
Total assets$86.3B+4.9%

Cash flow

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Operating cash flow$1.0B+6.1%
CapEx$31.0M-18.4%
Free cash flow$1.0B+7.1%

Valuation

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Market cap$35.54B+5.6%
Enterprise value$39.74B+5.0%
P/E8.8×-2.5×
P/S1.2×0.0×

Profitability

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Net margin14.1%+3.0pp

Returns & leverage

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Return on equity22.7%+4.2pp
Debt / equity0.2×0.0×

Questions, answered.

What does net debt / EBITDA mean?
How many years of operating earnings it would take to pay off the company's net debt.
How do you interpret net debt / EBITDA?
Lower is safer; lenders often covenant around 3–4×. A negative value means net cash (more cash than debt), a position of strength. Spikes can reflect a temporary EBITDA dip rather than new borrowing.
How does net debt / EBITDA compare across companies?
A standard leverage yardstick across non-financial sectors; covenant thresholds vary by industry cash-flow stability.