Mulya.ai
Ticker
HIG
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?6.2%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.475
Beta (levered) ?0.521
Terminal OM% ?18.0%
Segment conc. ?100% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

HIG · The Hartford Insurance Group, Inc.

$133.892026-07-21
Sector: Financial Services; Industry: Insurance - Diversified; Sub-Industry: Property & Casualty Insurance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$506
+277.7% vs market
Base · active
$303
+126.5% vs market
Bear
$303
+126.5% vs market
Mulya.ai vs Analyst IV Comparison?
Market $134
Median $153
Bear $303
Base $303
Bull $506
Market Price $134
Mulya.ai Base $303
Analysts Median $153
Mulya.ai IV range ($303 · $506)
Analysts Range ($135 · $165)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$24.3B12.7%18.6%$2.5B$641MM$3.2B6.1%287.1%$875MM$8.86
2024.Q4$24.3B0.0%12.7%19.2%$2.5B$2.0B$4.5B6.8%28.6%$16.6B$8.86
2025.Q1$26.4B8.4%14.6%19.7%$3.1B$1.9B$5.0B6.4%18.0%$17.7B$11.01
2025.Q4$26.4B0.0%14.6%19.4%$3.1B$871MM$4.0B6.6%17.0%$18.9B$11.01
2026.Q1$28.8B9.0%17.5%19.3%$4.1B−$163MM$3.9B6.1%21.5%$18.9B$14.377.5
italics below = DCF projection · 10yr Rev CAGR: 3.9%
2027.Q1$29.5B+2.5%16.8%19.4%$4.0B$0MM$4.0B6.5%$3.8B21.2%$18.9B$14.169.5
2028.Q1$30.7B+4.0%17.4%19.4%$4.3B−$3.4B$927MM6.7%$816MM20.9%$22.2B$15.228.8
2029.Q1$31.9B+4.1%17.4%19.5%$4.5B−$1.0B$3.5B6.9%$2.9B19.7%$23.2B$15.838.5
2030.Q1$33.2B+4.1%17.4%19.6%$4.7B−$610MM$4.0B7.1%$3.1B19.8%$23.9B$16.468.1
2031.Q1$34.6B+4.1%17.4%19.6%$4.8B−$448MM$4.4B7.3%$3.1B20.1%$24.3B$17.127.8
Term. Yr+$44.0B4.1%18.0%20.0%$6.3B−$1.1B$5.2B8.6%$57.0B23.6%
Active scenario IV: $303 (+126.5% vs market)