What Is HIG Fair Value?
Hartford (The) (HIG) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Hartford (The) (HIG) has a composite fair value estimate of $239.33 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $134.50, suggesting the stock is undervalued by 77.9%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$239.33
vs. current price of $134.50(+77.9%)
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 →
$402.97
+199.6%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 →
$48.25
-64.1%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 →
$138.45
+2.9%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.
$126.21
-6.2%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 $134.50 is 199.6% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $5.72B | $5.35B |
| Year 2 | $5.83B | $5.12B |
| Year 3 | $5.95B | $4.89B |
| Year 4 | $6.07B | $4.67B |
| Year 5 | $6.19B | $4.46B |
| Year 6 | $6.31B | $4.27B |
| Year 7 | $6.44B | $4.08B |
| Year 8 | $6.57B | $3.90B |
| Year 9 | $6.70B | $3.72B |
| Year 10 | $6.83B | $3.56B |
| Terminal Value | $165.01B | $85.93B |
What Are HIG's Key Financial Metrics?
Earnings & Growth
Current Price
$134.50
EPS (TTM)
$13.84
Forward P/E
9.7
Profit Margin
14.1%
Cash & Balance Sheet
Free Cash Flow
5.6B
EBITDA
5.5B
Book Value
$67.50
Total Debt
4.4B
What Do Analysts Say About HIG?
Low
$135.00
Average
$149.05
High
$165.00
Upside
+10.8%
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 $239.33. The stock is currently trading at $134.50, 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 $134.50 is 77.9% below our estimated fair value of $239.33.
What do Wall Street analysts say about HIG?
20 analysts cover Hartford (The) with a consensus rating of "Buy." The average price target is $149.05, ranging from $135.00 to $165.00. This implies 10.8% upside from the current price.