The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

The Hartford Financial Services Group, Inc.

InsurTech Hartford is a community focused on driving innovation through events and collaborations in the insurance technology sector. The organization hosts networking events and symposiums that connect industry leaders and innovators.

InsurTech Hartford

Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services. The company's commercial banking services include treasury management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services comprise accepting customary types of demand and savings deposits accounts; mortgage, installment, and other consumer loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfers; Internet-based banking services; and bank credit and debit card services. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, and financial planning services, as well as provides individual investment advice on equity and other securities. As of December 31, 2020, it operated through 289 branches and 389 ATMs in Alabama, Florida, Georgia, South Carolina, and Tennessee. The company was founded in 1888 and is headquartered in Columbus, Georgia.

Synovus Financial Corp.

Employers for Equality is a program focused on gender equality and diversity in organizations. It aims to support companies and institutions of all sizes in effectively enhancing their diversity efforts and achieving individual goals.

Employers for Equality

The Hartford Insurance provides a range of insurance services including auto, home, and business insurance, and employee benefits. It is self-described as offering solutions to protect individuals and businesses.

Metric
Company Name	The Hartford Financial Services Group, Inc.	InsurTech Hartford	Synovus Financial Corp.	Employers for Equality
Symbol	HIG		SNV
MSH ID	COM:THEHARTFORD	COM:INSURTECHHARTFORD	COM:SYNOVUS	DE:EMPLOYERS-FOR-EQUALITY
Market	STOCKS	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services	Commercial & Professional Services	Financial Services	Commercial & Professional Services
Industry	Insurance - Diversified	Insurance Technology	Banks - Regional	Consulting
Country	US	US	US	DE
Stage			Post-IPO Debt
Employee Count	18.70K		4.73K
Website	thehartford.com	insurtechhartford.com	synovus.com	employers-for-equality.de
LinkedIn
Founders

Metric
Market Cap	29.61B	5.96B
Enterprise Value
Monthly Web Traffic		930.25K
Web Traffic Growth		-0.11
Valuation
Raised Capital		500M

Metric
Revenue	24.53B	2.03B
Revenue (LTM)
Revenue (NTM)
Gross Profit	24.53B	1.71B
EBITDA	-234M	2.69B
Operating Income	3.30B	858.67M
Net Income	2.50B	543.71M
EPS	8.09	3.46
Diluted EPS	7.97	3.46
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.85	0.93
Operating Profit Margin	0.15	0.42
EBITDA Margin	-0.01	1.33
Net Profit Margin	0.11	0.27
Return on Equity	0.19	0.11
Return on Assets	0.04	0.01
Return on Capital Employed	0.11	0.02

COM:THEHARTFORD

The Hartford Insurance

Last Close

119.64

22/11 21:00

Market Cap

29.61B

Beta: -

Volume Today

1.06M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	11.85	7.65
P/B Ratio	2.01	1.14
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.41	2.94
EV Multiple	50.05	8.97

Metric
Days Sales Outstanding	189.20
Days Payables Outstanding	27.71
Days Inventory Outstanding	-980.32
Operating Cycle	-889.55
Cash Conversion Cycle	-949.39
Asset Turnover	0.35	0.04

Metric
Operating Cash Flow	4.22B	937.35M
Free Cash Flow	4.00B	905.14M
Cash Flow to Debt	1.32	0.65
Operating Cash Flow/Sales	0.23	0.62
Free Cash Flow Yield	0.13	0.33

Metric
Cash & Equivalents	189M	2.41B
Accounts Receivable	-863M
Inventory	-56.51B	-1.21B
Goodwill	1.91B	480.44M
Debt to Capitalization	0.22	0.32
Debt to Assets	0.06	0.05
Current Ratio	13.87	4.80K
Quick Ratio	1.21	3.62K

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.00	0.01
R&D to Revenue
SG&A to Revenue		0.34