What Is HIG Fair Value?
Hartford (The) (HIG) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Hartford (The) (HIG) has a composite fair value estimate of $235.58 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $131.19, suggesting the stock is undervalued by 79.6%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$235.58
vs. current price of $131.19(+79.6%)
How Is HIG Fair Value Calculated?
Four independent models estimate what HIG is worth. Each uses different inputs and assumptions. The composite blends them by weight.
HIG Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$389.44
+196.9%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$46.97
-64.2%Overvalued
Inputs used
HIG Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$143.64
+9.5%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$129.06
-1.6%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $131.19 is 196.9% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $5.62B | $5.26B |
| Year 2 | $5.73B | $5.02B |
| Year 3 | $5.84B | $4.79B |
| Year 4 | $5.96B | $4.57B |
| Year 5 | $6.08B | $4.37B |
| Year 6 | $6.20B | $4.17B |
| Year 7 | $6.33B | $3.98B |
| Year 8 | $6.45B | $3.80B |
| Year 9 | $6.58B | $3.62B |
| Year 10 | $6.71B | $3.46B |
| Terminal Value | $158.07B | $81.47B |
What Are HIG's Key Financial Metrics?
Earnings & Growth
Current Price
$131.19
EPS (TTM)
$14.01
Forward P/E
9.5
Profit Margin
14.9%
Cash & Balance Sheet
Free Cash Flow
5.5B
EBITDA
5.6B
Book Value
$71.05
Total Debt
4.4B
What Do Analysts Say About HIG?
Low
$135.00
Average
$146.86
High
$163.00
Upside
+11.9%
HIG Fair Value FAQ
What is the fair value of HIG?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), HIG's estimated fair value is $235.58. The stock is currently trading at $131.19, which makes it undervalued by our analysis.
How is HIG's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is HIG overvalued or undervalued?
Based on our analysis, HIG is undervalued. The current price of $131.19 is 79.6% below our estimated fair value of $235.58.
What do Wall Street analysts say about HIG?
21 analysts cover Hartford (The) with a consensus rating of "Buy." The average price target is $146.86, ranging from $135.00 to $163.00. This implies 11.9% upside from the current price.