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Trefis Has A Price Estimate Of $64 For Hartford's Stock
Trefis Price estimate for Hartford Financial
Hartford Financial is a insurance company that provides life Property & Casualty Insurance, Group Life Insurance and Mutual Fund services to its clients.Its end users include r
etail customers, Small to medium businesses, Corporations and Other institutions.Its business model faces stiff challenges and competition from offerings by its global competitors such as: American International Group Inc.,
Travelers, Prudential Financial, New York Life and Northwestern Mutual Group.
Hartford Financial Revenues: How Does MetLife Makes Money?Hartford Financial Valuation: Expensive or Cheap?Hartford Financial Stock (NYSE:HIG)More Trefis Insurance Industry Data
#1. Estimating Hartford Financial's Total Revenues:
Total revenues have increased 19% over the last 4 years, from $16 billion in 2015 to $19 billion in 2018, and are expected to swell to $20.3 billion in 2019, which is 7% more than the previous year.
This growth would be driven by 8% y-o-y rise in group life insurance followed by 6% jump in P&C segment. Notably, Mutual Funds & Corporate segment is expected to increase by 14% y-o-y in 2019.
Our Interactive Dashboard Analysis, How Does Hartford Financial Make Money?, Provides An In Depth View Of The Company's Revenues.
Property And Casualty [A]
Group Life Insurance [B]
Mutual Funds And Corporate [C]
#2. Deriving Hartford Financial's Adjusted Net Income Figure
Hartford Financial is expected to have a Net Income of $1.9 billion in 2019 (6% more than previous year) due to better operating margin and higher revenues
This implies a marginal reduction in net interest margin from 9.5% to 9.4%.
Net Income Available To Common Shareholders [=A*B]
Net Income Margin [B]
Notably, Adjusted Net Income decreased from $2.4 billion in 2015 to $1.8 Billion in 2018. Further, negative net income in 2017 could be attributed to the impact of U.S Tax Act.
#3 Deriving Hartford Financial's EPS Figure
The EPS figure has fluctuated over the last 4 years from $5.84 in 2015 to -$6.62 in 2017, before recovering to $5.03 in 2018. We expect the company to report an EPS of $5.44 in 2019.EPS growth from 2018 can be attributed to higher Adjusted Net Income and lower Shares Outstanding
Net Income Available To Common Shareholders [A]
Weighted Average Basic Share Count [B]
Hartford Financial has regularly invested in share repurchases to boost shareholder returns. Its share repurchase is likely to touch $340 million for the full year 2019.
#4. Estimating Hartford Financial's Share Price
Our Price Estimate of $64 For Hartford Financial's Stock is based on our Detailed Valuation Model, and implies a 11.8x P/E Multiple on expected 2019 EPS of $5.44
Share Price [=A*B]
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DISAGREE WITH OUR FORECASTS? CREATE YOUR OWN
1. How to save your forecasts for Hartford Financial:
Click on the blue "Try Trefis" button in the header to create an account, then navigate back to this dashboard. Now, any changes you make to these inputs will be auto-saved as a scenario (see left panel of dashboard).
2. How to monitor your scenario vs. actual results
Once you've saved your forecast, you can "rename" your scenario by clicking on the gear icon next to the scenario (on the left panel). For more info, see this quick, 30-sec video (look at the 9 sec mark)
With your forecast saved and named, you can compare your forecasts to hundreds of other Trefis users who came up with their own forecasts. Lastly, you can share with friends and colleagues to show them how you fared and compare your forecasts to theirs.