Using the PEG framework with analyst consensus forward EPS growth of 8.0% plus 1.6% dividend yield, The Hartford Financial Services Group, Inc. has a fair value of $107.60 based on NTM EPS (FY2026) of $13.45. The current PEG ratio is 1.40.
PEG < 1 = bargain, 1–1.5 = fair, > 2 = expensive.
PEG tends to undervalue slow growers — consider dividend yield and asset value instead.
| EPS Growth RateForward | 5.6% |
| Dividend Yield | +1.6% |
| Adjusted Growth (clamped 8–25%)Clamped | 8.0% |
| Fair P/E | 8.0x |
| NTM EPS (FY2026) | $13.45 |
| Fair Value | $107.60 |
| Period | EPS Est. | Growth | Analysts |
|---|---|---|---|
| FY2025 (actual) | $13.32 | — | — |
| FY2026E | $13.45 | +1.0% | 4 |
| FY2027E | $14.54 | +8.1% | 4 |
| FY2028E | $15.68 | +7.9% | 4 |
3Y Forward EPS CAGR: 5.6%
| Year | Net Income | EPS | YoY |
|---|---|---|---|
| FY2021 | $2.4B | $6.62 | — |
The PEG Fair Value uses the Price/Earnings-to-Growth framework. A stock is fairly valued when its P/E ratio equals its earnings growth rate (PEG = 1.0). This model adds dividend yield to the growth rate per the original PEGY formula.
Growth rate priority: analyst consensus forward EPS CAGR (when ≥ 3 analysts cover the stock), falling back to historical EPS CAGR. Using EPS rather than net income avoids distortion from share buybacks. The growth rate is clamped between 8% and 25% — below 8% would undervalue stable earners, while above 25% would overvalue unsustainable spikes.
| FY2022 | $1.8B | $5.44 | -17.8% |
| FY2023 | $2.5B | $7.97 | +46.5% |
| FY2024 | $3.1B | $10.35 | +29.9% |
| FY2025 | $3.8B | $13.32 | +28.7% |
4Y Historical EPS CAGR: 19.1%