Discounted Cash Flow
Hartford Insurance Group, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $18.3b | $896.0m | $1.8b | 4.9% | $2.31 |
| 2017 | $17.0b (-7.2%) | $-3.1b (-449.4%) | $1.9b (5.1%) | -18.4% (-476.7%) | $0.94 (-59.3%) |
| 2018 | $1.4b (-91.6%) | $1.8b (157.7%) | $2.7b (40.5%) | 127.4% (790.8%) | $5.03 (435.1%) |
| 2019 | $1.4b (-1.0%) | $2.1b (15.4%) | $3.4b (24.4%) | 148.5% (16.5%) | $5.72 (13.7%) |
| 2020 | $1.4b (-3.1%) | $1.7b (-16.7%) | $3.8b (11.0%) | 127.7% (-14.0%) | $4.79 (-16.3%) |
| 2021 | $1.6b (15.4%) | $2.4b (36.2%) | $4.0b (5.4%) | 150.7% (18.0%) | $6.71 (40.1%) |
| 2022 | $1.4b (-9.3%) | $1.8b (-23.3%) | $3.8b (-3.2%) | 127.5% (-15.4%) | $5.52 (-17.7%) |
| 2023 | $1.4b (-2.9%) | $2.5b (38.0%) | $4.0b (4.5%) | 181.2% (42.1%) | $8.09 (46.6%) |
| 2024 | $1.5b (5.5%) | $3.1b (24.2%) | $5.8b (43.9%) | 213.4% (17.8%) | $10.51 (29.9%) |
| 2025 | $1.5b (3.3%) | $3.8b (23.3%) | $5.8b (-0.2%) | 254.7% (19.4%) | $13.51 (28.5%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.