HIG

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NYSE / Sector: Financial Services / Sub-Sector: Insurance - Diversified / Stock Type: Slow Growth
# of Employee: 17,400 / Fiscal Year End: 2016-12-31 / Stock Type: Mid Value
USD / Exchange Rate: 1 at 2016-11-22 /

Hartford Financial Services Group Inc is an insurance & financial services company. Its operating business segments are Commercial Lines, Personal Lines, Property & Casualty Other Operations, Group Benefits, Mutual Funds and Talcott Resolution.

Competitors

Competitors List | Key Matrix Details

BRK.A | BRK.B | AIG | AEG | KMPR |

Finance Highlights

Key Ratio Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDatePeriodTypeROEFCFMarginFCFPerSharEquityPerSProfitMargContinuousNetMarginDebtEquityCurrentRat
2006-12-25Annual30.90%22.00%18.559.813.60%10.40%10.40%.061.000
2007-12-25Annual32.60%24.20%19.660.215.50%11.40%11.40%.056.000
2008-12-25Annual48.30%48.50%14.630.2-49.80%-29.80%-29.80%.033.000
2009-12-25Annual16.60%12.00%8.651.6-7.00%-3.60%-3.60%.062.000
2010-12-25Annual16.30%14.80%6.942.210.10%7.50%7.50%.068.000
2011-12-25Annual9.90%10.40%4.847.91.10%3.00%3.00%.081.000
2012-12-25Annual11.90%10.20%6.151.3-2.00%-0.10%-0.10%.081.000
2013-12-25Annual6.50%4.70%2.639.00.20%0.70%0.70%.073.000
2014-12-25Annual10.70%10.80%4.440.79.10%4.30%4.30%.083.000
2015-12-25Annual17.40%16.70%7.241.510.80%9.20%9.20%.084.000

Key Ratio Trend

ReportDatePeriodTypeROEFCFMarginFCFPerSharEquityPerSProfitMargContinuousNetMarginDebtEquityCurrentRat
AverageAnnual2.25%4.70%-22.53%1.43%16.59%53.12%53.12%0.67%0.00%
2007-12-25Annual5.50%10.00%6.34%0.72%13.97%9.62%9.62%-8.20%0.00%
2008-12-25Annual48.16%100.41%-25.71%-49.79%-421.29%-361.40%-361.40%-41.07%0.00%
2009-12-25Annual-65.63%-75.26%-41.13%70.72%85.94%87.92%87.92%87.88%0.00%
2010-12-25Annual-1.81%23.33%-19.98%-18.23%244.29%308.33%308.33%9.68%0.00%
2011-12-25Annual-39.26%-29.73%-30.78%13.62%-89.11%-60.00%-60.00%19.12%0.00%
2012-12-25Annual20.20%-1.92%28.76%7.00%-281.82%-103.33%-103.33%0.00%0.00%
2013-12-25Annual-45.38%-53.92%-58.30%-23.90%110.00%800.00%800.00%-9.88%0.00%
2014-12-25Annual64.62%129.79%70.75%4.23%4,450.00%514.29%514.29%13.70%0.00%
2015-12-25Annual62.62%54.63%65.19%2.00%18.68%113.95%113.95%1.20%0.00%


Income Statement Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDatePeriodTypeRevenueCostInterestExContinuousNetIncomeDilutedShaProfitMargContinuousNetMargin
2006-12-25Annual26,500m22,898m277m2,745m2,745m315,900,k13.60%10.40%10.40%
2007-12-25Annual25,916m21,911m263m2,949m2,949m319,100,k15.50%11.40%11.40%
2008-12-25Annual9,219m13,810m343m-2,749m-2,749m306,700,k-49.80%-29.80%-29.80%
2009-12-25Annual24,701m26,429m476m-887m-887m346,300,k-7.00%-3.60%-3.60%
2010-12-25Annual22,383m20,119m508m1,680m1,680m481,500,k10.10%7.50%7.50%
2011-12-25Annual21,859m21,629m508m662m662m478,000,k1.10%3.00%3.00%
2012-12-25Annual26,412m26,939m457m-38m-38m437,700,k-2.00%-0.10%-0.10%
2013-12-25Annual26,236m26,173m397m176m176m484,400,k0.20%0.70%0.70%
2014-12-25Annual18,614m16,915m376m798m798m460,200,k9.10%4.30%4.30%
2015-12-25Annual18,377m16,399m357m1,682m1,682m425,200,k10.80%9.20%9.20%

Income Statement Trend

ReportDatePeriodTypeRevenueCostInterestExContinuousNetIncomeDilutedShaProfitMargContinuousNetMargin
AverageAnnual-2.26%-3.61%-5.05%40.93%40.93%-2.13%16.59%53.12%53.12%
2007-12-25Annual-2.20%-4.31%-5.05%7.43%7.43%1.01%13.97%9.62%9.62%
2008-12-25Annual-64.43%-36.97%30.42%-193.22%-193.22%-3.89%-421.29%-361.40%-361.40%
2009-12-25Annual167.94%91.38%38.78%67.73%67.73%12.91%85.94%87.92%87.92%
2010-12-25Annual-9.38%-23.88%6.72%289.40%289.40%39.04%244.29%308.33%308.33%
2011-12-25Annual-2.34%7.51%0.00%-60.60%-60.60%-0.73%-89.11%-60.00%-60.00%
2012-12-25Annual20.83%24.55%-10.04%-105.74%-105.74%-8.43%-281.82%-103.33%-103.33%
2013-12-25Annual-0.67%-2.84%-13.13%563.16%563.16%10.67%110.00%800.00%800.00%
2014-12-25Annual-29.05%-35.37%-5.29%353.41%353.41%-5.00%4,450.00%514.29%514.29%
2015-12-25Annual-1.27%-3.05%-5.05%110.78%110.78%-7.61%18.68%113.95%113.95%


Balance Sheet Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDatePeriodTypeEquityTotalLiabiCurrentAssCurrentLiaNonCurrentDebtEquityCurrentRat
2006-12-25Annual18,876m307,834m1,424m0.0307,834m.061.000
2007-12-25Annual19,204m341,157m2,011m0.0341,157m.056.000
2008-12-25Annual9,268m278,315m1,811m0.0278,315m.033.000
2009-12-25Annual17,865m289,852m2,142m0.0289,852m.062.000
2010-12-25Annual20,311m298,035m2,062m0.0298,035m.068.000
2011-12-25Annual22,910m281,154m2,581m0.0281,154m.081.000
2012-12-25Annual22,447m276,066m2,421m0.0276,066m.081.000
2013-12-25Annual18,905m258,979m1,428m0.0258,979m.073.000
2014-12-25Annual18,720m226,293m399m0.0226,293m.083.000
2015-12-25Annual17,642m210,706m448m0.0210,706m.084.000

Balance Sheet Trend

ReportDatePeriodTypeEquityTotalLiabiCurrentAssCurrentLiaNonCurrentDebtEquityCurrentRat
AverageAnnual-1.44%-5.90%-4.83%0.00%-5.90%0.67%0.00%
2007-12-25Annual1.74%10.82%41.22%0.00%10.82%-8.20%0.00%
2008-12-25Annual-51.74%-18.42%-9.95%0.00%-18.42%-41.07%0.00%
2009-12-25Annual92.76%4.15%18.28%0.00%4.15%87.88%0.00%
2010-12-25Annual13.69%2.82%-3.73%0.00%2.82%9.68%0.00%
2011-12-25Annual12.80%-5.66%25.17%0.00%-5.66%19.12%0.00%
2012-12-25Annual-2.02%-1.81%-6.20%0.00%-1.81%0.00%0.00%
2013-12-25Annual-15.78%-6.19%-41.02%0.00%-6.19%-9.88%0.00%
2014-12-25Annual-0.98%-12.62%-72.06%0.00%-12.62%13.70%0.00%
2015-12-25Annual-5.76%-6.89%12.28%0.00%-6.89%1.20%0.00%


Cash Flow Highlights | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

ReportDatePeriodTypeOperatingCCAPEXFreeCashFlInvestmentFinancialF
2006-12-25Annual5,638m-195m5,833m-7,410m1,915m
2007-12-25Annual5,991m-275m6,266m-6,176m499m
2008-12-25Annual4,192m-282m4,474m-8,827m4,274m
2009-12-25Annual2,974m0.02,974m-3,123m523m
2010-12-25Annual3,309m0.03,309m-434m-2,955m
2011-12-25Annual2,274m0.02,274m-1,182m-609m
2012-12-25Annual2,681m0.02,681m-2,557m-228m
2013-12-25Annual1,237m0.01,237m3,745m-5,820m
2014-12-25Annual1,886m-121m2,007m1,696m-4,476m
2015-12-25Annual2,756m-307m3,063m485m-3,144m

Cash Flow Trend

ReportDatePeriodTypeOperatingCCAPEXFreeCashFlInvestmentFinancialF
AverageAnnual-9.44%0.00%-8.59%-48.16%-20.03%
2007-12-25Annual6.26%-41.03%7.42%16.65%-73.94%
2008-12-25Annual-30.03%-2.55%-28.60%-42.92%756.51%
2009-12-25Annual-29.06%100.00%-33.53%64.62%-87.76%
2010-12-25Annual11.26%0.00%11.26%86.10%-665.01%
2011-12-25Annual-31.28%0.00%-31.28%-172.35%79.39%
2012-12-25Annual17.90%0.00%17.90%-116.33%62.56%
2013-12-25Annual-53.86%0.00%-53.86%246.46%-2,452.63%
2014-12-25Annual52.47%0.00%62.25%-54.71%23.09%
2015-12-25Annual46.13%-153.72%52.62%-71.40%29.76%



Finance Detail

Income Statement Details | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

0: years2006-122007-122008-122009-122010-122011-122012-122013-122014-122015-12
1: Revenues26500m25916m9219m24701m22383m21859m26412m26236m18614m18377m
2: Premiums15023m15619m15503m14424m14055m14088m13631m13226m13336m13577m
3: Service fees and commissions005135m4576m4784m4750m4432m2805m1996m1839m
4: Investment income, net6515m5359m-6005m7219m3618m2913m8802m9423m3154m3030m
5: Realized capital gains (losses), net-251m-994m0-2010m-554m-174m-711m507m16m-156m
6: Other income (loss)5213m5932m-5414m492m480m282m258m275m112m87m
7: Benefits, claims and expenses22898m21911m13810m26429m20119m21629m26939m26173m16915m16399m
8: Policyholder benefits and claims incurred15042m14064m017019m13799m13266m533m17008m10805m28m
9: Policy acquisition and other expenses3558m2989m00001988m2701m1729m1502m
10: Selling, general and administrative0003749m4663m4398m5237m4280m4028m3772m
11: Interest expense277m263m343m476m508m508m457m397m376m357m
12: Interest credited to policyholder accounts0000000000
13: Policyholder dividends0000000000
14: Depreciation and amortization0000000000
15: Merger, acquisition and restructuring0000000000
16: Other expenses4021m4595m13467m5185m1149m3457m18724m1787m-23m10740m
17: Income before income taxes3602m4005m-4591m-1728m2264m230m-527m63m1699m1978m
18: Income tax (expense) benefit-857m-1056m1842m841m-584m346m494m247m-350m-305m
19: Other income (expense)0000000000
20: Income from discontinued ops0000086m-5m-134m-551m9m
21: Extraordinary items0000000000
22: Cumulative effect of accounting changes0000000000
23: Net income2745m2949m-2749m-887m1680m662m-38m176m798m1682m
24: Preferred dividend000127m515m42m42m10m00
25: Net income available to common shareholders2745m2949m-2749m-1014m1165m620m-80m166m798m1682m
26: Earnings per share0000000000
27: Basic8.899.32-8.99-2.932.71.39-0.180.371.814.05
28: Diluted8.699.24-8.99-2.932.491.3-0.180.341.733.96
29: Weighted average shares outstanding0000000000
30: Basic308800k316300k306700k346300k431500k445m437700k447700k441800k415500k
31: Diluted315900k319100k306700k346300k481500k478m437700k484400k460200k425200k
32: EBITDA0000000000
33: Total revenues26500m25916m9219m24701m22383m21859m26412m26236m18614m18377m
34: Total benefits, claims and expenses22898m21911m13810m26429m20119m21629m26939m26173m16915m16399m


Balance Sheet Details | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

0: years2006-122007-122008-122009-122010-122011-122012-122013-122014-122015-12
1: Assets326710m360361m287583m307717m318346m304064m298513m277884m245013m228348m
2: Fixed maturity securities80755m80055m65112m71153m78469m83137m87009m63201m59384m59699m
3: Equity securities31132m38777m32278m33542m33793m31420m29823m20613m1058m1121m
4: Trading securities0000000000
5: Loans, total3318m5410m8677m8112m6670m7729m8708m7018m6987m7071m
6: Real estate0000000000
7: Short-term investments1917m4783m10022m10357m8528m7736m4581m4008m4883m1843m
8: Cash and cash equivalents1424m2011m1811m2142m2062m2581m2421m1428m399m448m
9: Accrued investment income0000000000
10: Premiums and other receivables5571m8831m3604m3404m3273m3446m3542m3465m3429m3537m
11: Deferred policy acquisition costs10268m11742m13248m10686m9857m8744m5725m2161m1823m1816m
12: Deferred income tax assets284m308m5239m3940m3725m1398m1942m3840m2897m3206m
13: Property and equipment791m972m1075m1026m1150m1029m977m877m831m974m
14: Goodwill1717m1726m1060m1204m1051m1006m654m498m498m498m
15: Separate account assets180484m199946m130184m150394m159742m143870m141569m140886m134702m120123m
16: Other assets9049m5800m15273m11757m10026m11968m11562m29889m28122m28012m
17: Liabilities and stockholders' equity326710m360361m287583m307717m318346m304064m298513m277884m245013m228348m
18: Liabilities307834m341157m278315m289852m298035m281154m276066m258979m226293m210706m
19: Future policy benefits36007m37484m38680m39631m0040992m41373m41444m41572m
20: Policyholder funds71311m80342m84552m78148m77343m76073m70901m58763m32532m31670m
21: Unearned premiums5620m5545m5379m5221m5176m5222m5145m5225m5255m5385m
22: Short-term debt857m2174m398m343m400m0320m438m456m275m
23: Long-term debt3504m3142m5823m6632m6589m6530m6967m6190m5653m5084m
24: Deferred income taxes0000000000
25: Taxes payable0000000000
26: Separate account liabilities180484m199946m130184m150394m159742m143870m141569m140886m134702m120123m
27: Other liabilities10051m12524m13299m9483m48785m49459m10172m6104m6251m6597m
28: Stockholders' equity18876m19204m9268m17865m20311m22910m22447m18905m18720m17642m
29: Preferred stock0002960m556m556m556m000
30: Common stock000005m5m5m5m5m
31: Other Equity0000000000
32: Additional paid-in capital6321m6627m7569m8985m10448m10391m10038m9894m9123m8973m
33: Retained earnings12421m14686m11336m11164m12077m12519m10745m10683m11191m12550m
34: Treasury stock-47m-1254m-2120m-1936m-1774m-1718m-1740m-1598m-2527m-3557m
35: Accumulated other comprehensive income181m-855m-7517m-3308m-996m1157m2843m-79m928m-329m
36: Other liabilities and equities0000000000
37: Total assets326710m360361m287583m307717m318346m304064m298513m277884m245013m228348m
38: Total liabilities and stockholders' equity326710m360361m287583m307717m318346m304064m298513m277884m245013m228348m
39: Total liabilities307834m341157m278315m289852m298035m281154m276066m258979m226293m210706m
40: Total stockholders' equity18876m19204m9268m17865m20311m22910m22447m18905m18720m17642m


Cash Flow Details | Key Ratio H | Income H | Balance H | Cash H | Income D | Balance D | Cash D | Top

0: years2006-122007-122008-122009-122010-122011-122012-122013-122014-122015-12
1: Cash Flows From Operating Activities5638m5991m4192m2974m3309m2274m2681m1237m1886m2756m
2: Net income2745m2949m-2749m-887m1680m662m-38m176m798m1682m
3: Unrealized (gains) losses on derivatives0000000000
4: Investments (gains) losses-5609m-4701m5918m2010m552m-11m27m-829m141m156m
5: Equity in (income) loss from equity method investments0000000000
6: Depreciation & amortization606m794m361m470m596m668m467m189m276m373m
7: Investment/asset impairment charges00745m32m153m30m0000
8: (Gain) Loss from discontinued operations0000000000
9: Extraordinary items0000000000
10: Cumulative effect of accounting change0000000000
11: Amortization of debt discount/premium and issuance costs02989m04267m2544m3427m349m2701m1729m1502m
12: Deferred tax (benefit) expense657m619m00000000
13: (Gains) loss on disposition of businesses00000000653m-6m
14: Stock based compensation0000000000
15: Reserves for claims and claim adjustment expenses0000000000
16: Premiums and insurance balances0000000000
17: Capitalization of deferred policy acquisition costs-4092m-4194m00000000
18: Investment income due and accrued0000000000
19: Fund held under reinsurance treaties0000000000
20: Receivable1037m615m-4m380m437m-211m-257m-409m-122m183m
21: Prepaid expenses0000000000
22: Payables-287m2282m0-1271m-612m-491m0000
23: Accrued liabilities000-246m561m-103m-386m-745m328m0
24: Interest payable0000000000
25: Income taxes payable0000000000
26: Trading securities0000000000
27: Other assets and liabilities5724m4194m-933m794m260m1420m297m-372m-733m110m
28: Other operating activities4857m444m854m-2575m-2862m-3117m2222m526m-1184m-1244m
29: Cash Flows From Investing Activities-7410m-6176m-8827m-3123m-434m-1182m-2557m3745m1696m485m
30: Sales/maturities of fixed maturity and equity securities36492m36220m27537m54487m49500m38910m42029m40540m26064m27446m
31: Payments from loans000663m1716m515m515m468m646m792m
32: Acquisitions and dispositions-767m00391m241m-269m-637m815m1141m4m
33: Purchases of investments-44075m-43706m-35569m-54653m-51045m-38561m-42904m-35658m-23597m-29449m
34: Loans issued000-233m-291m-1800m-1483m-718m-604m-870m
35: Property, and equipments, net-195m-275m-282m00000-121m-307m
36: Purchases of intangibles, net0000000000
37: Other investing activities1135m1585m-513m-3778m-555m23m-77m-1702m-1833m2869m
38: Cash Flows From Financing Activities1915m499m4274m523m-2955m-609m-228m-5820m-4476m-3144m
39: Change in short-term borrowing-173m75m445m0-754m00000
40: Long-term debt issued990m1046m2670m09499m015319m533m00
41: Long-term debt repayment-1415m-300m-37m-24m-22819m-473m-27829m-1415m-213m-806m
42: Excess tax benefit from stock based compensation0000000000
43: Common stock issued0186m0887m1600m10m14m030m0
44: Preferred stock issued0003400m556m00000
45: Warrant issued00512m0000000
46: Redemption of preferred stock0000-3400m00000
47: Repurchases of treasury stock-5m-1193m000-46m-454m-633m-1796m-1250m
48: Cash dividends paid-460m-636m-660m-222m-170m-195m-217m-223m-282m-316m
49: Dividend payable0000000000
50: Other financing activities2978m1321m1344m-3518m12533m95m12939m-4082m-2215m-772m
51: Effect of exchange rate changes8m273m161m-43m036m-56m-155m-135m-48m
52: Net cash provided by (used in) discontinued operations0000000000
53: Net change in cash151m587m-200m331m-80m519m-160m-993m-1029m49m
54: Cash at beginning of period1273m1424m2011m1811m2142m2062m2581m2421m1428m399m
55: Cash at end of period1424m2011m1811m2142m2062m2581m2421m1428m399m448m
56: Supplemental schedule of cash flow data0000000000
57: Cash paid for income taxes00253m0308m179m-486m69m00
58: Cash paid for interest00286m0485m501m461m402m0361m
59: Net cash provided by operating activities5638m5991m4192m2974m3309m2274m2681m1237m1886m2756m
60: Net cash used for investing activities-7410m-6176m-8827m-3123m-434m-1182m-2557m3745m1696m485m
61: Net cash provided by (used for) financing activities1915m499m4274m523m-2955m-609m-228m-5820m-4476m-3144m



Note