Mulya.ai
Ticker
HIG
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?6.4%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.516
Beta (levered) ?0.564
Terminal OM% ?18.0%
Segment conc. ?100% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 4 · 21.1%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

HIG · The Hartford Financial Services Group, Inc.

$136.192026-05-17
Sector: Financial Services; Industry: Insurance - Diversified; Sub-Industry: Property & Casualty Insurance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$406
+198.0% vs market
Base · active
$285
+109.2% vs market
Bear
$284
+108.7% vs market
Mulya.ai vs Analyst IV Comparison?
Market $136
Median $156
Bear $284
Base $285
Bull $406
Market Price $136
Mulya.ai Base $285
Analysts Median $156
Mulya.ai IV range ($284 · $406)
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
2021.Q4$21.6B13.4%18.3%$2.4B$1.9B$4.2B4.6%0.0%−$24.0B$8.39
2022.Q4$21.9B0.9%10.4%19.6%$1.8B$605MM$2.4B6.2%0.0%$13.9B$6.44
2023.Q4$24.3B11.3%12.7%18.9%$2.5B$544MM$3.0B6.0%15.0%$19.6B$8.86
2024.Q4$26.4B8.4%14.6%19.2%$3.1B$2.0B$5.1B6.8%17.2%$16.6B$11.01
2025.Q4$28.3B7.4%16.8%19.4%$3.8B$871MM$4.7B6.6%21.7%$18.9B$13.578.1
italics below = DCF projection · 10yr Rev CAGR: 3.7%
2026.Q4$28.2B+-0.4%16.8%19.5%$3.8B$0MM$3.8B6.6%$3.6B20.3%$18.9B$13.5410.1
2027.Q4$29.4B+4.2%18.3%19.5%$4.3B−$830MM$3.5B6.8%$3.1B22.5%$19.7B$15.338.9
2028.Q4$30.7B+4.2%18.3%19.6%$4.5B−$883MM$3.6B7.0%$3.0B22.4%$20.6B$15.968.5
2029.Q4$31.9B+4.2%18.3%19.6%$4.7B−$940MM$3.8B7.2%$2.9B22.3%$21.5B$16.628.2
2030.Q4$33.3B+4.2%18.3%19.7%$4.9B−$1.0B$3.9B7.4%$2.8B22.2%$22.5B$17.307.9
Term. Yr+$42.4B4.1%18.0%20.0%$6.1B−$1.2B$4.9B8.6%$53.0B21.1%
Active scenario IV: $285 (+109.2% vs market)