Growth & Assumptions
Market & Balance Sheet Data
Cash Flow Projection
Valuation Breakdown
Calculated Fair Value
HIG (HIG) DCF Valuation Analysis
Independent intrinsic value calculation based on latest financial reports.
Our HIG DCF calculator utilizes a two-stage Discounted Cash Flow model to estimate the true value of HIG stock. As of the most recent quarterly report (12/31/2025), HIG generated $5,753,000,000 in Trailing Twelve Month (TTM) Free Cash Flow.
Key Valuation Metrics for HIG
By discounting HIG's future cash flows using an expected return of 11%, we can determine if the stock is currently trading at a margin of safety. A positive margin of safety suggests that market expectations may be too low relative to the company's historical cash flow productivity.
Final Verdict
For HIG to be considered a fair investment at current levels, it would need to sustain a cash flow growth rate of approximately 6.70% for the next five years. This valuation model accounts for HIG's current cash position of $4,486,000,128 and total debt of $4,543,000,064. With a fair value of $341.85, HIG shows potential upside for long-term investors.
Why use DCF for HIG?
Discounted Cash Flow is widely considered the most accurate method for valuing mature companies like HIG. Using our Free DCF Calculator, you can customize every assumption in this model to see how it affects the intrinsic value.