The Hartford Financial Services Group HIG Percentage payout of incurred claims, year five

Percentage payout of incurred claims, year five at other companies

W.R. BerkleyWRB

13.5%+0.3pp

W.R. BerkleyWRB

16.4%+0.2pp

W.R. BerkleyWRB

9.1%+0.9pp

W.R. BerkleyWRB

11%+0.4pp

ASI

Ategrity Specialty Insurance Company HoldingsASIC

2.1%—

W.R. BerkleyWRB

7.4%+0.9pp

Segments

By product

See full

Automobiles15.7%-0.6%

General Liability14.9%-3.9%

Professional liability9.7%+1.0%

Marine7.2%+7.5%

Package Business6.6%+3.1%

Workers' Compensation5.8%+1.8%

Other financials

Income statement

See full

Revenue$7.2B+6.1%

Net income$856.0M+35.9%

EPS (diluted)$3.04+41.4%

Balance sheet

See full

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

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

See full

Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

See full

Return on equity22.7%+4.2pp

Debt / equity0.2×0.0×