BST/HFF (BST/HFF)

Stuttgart Stock Exchange: BST/HFF · EUR

€120

-1.60 (-1.3%)· Recorded snapshot

Market cap	32B
Revenue (ttm)	26.1B
Net income (ttm)	4B
EPS (ttm)	€14.8
P/E (trailing)	8.1x
P/E (forward)	10.2x
Dividend	€2.06 (1.72%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 26.1B
Net income (ttm): 4B
EPS (ttm): €14.8
P/E (trailing): 8.1x
P/E (forward): 10.2x
Market cap: 32B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.2

P25 n/aP50 n/aP75 n/a

Trailing P/E8.1

P25 n/aP50 n/aP75 n/a

ROE23.3

P25 n/aP50 n/aP75 n/a

ROIC19

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BST/HFF indicators

Market & fundamental data

Available fields

222

Groups with data

Currency

USD

Showing 222 of 222 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-26
Employees	19,200
Employees change	100
Employees growth	0.52%
Enterprise value	EUR 36.2B
Exchange	Stuttgart Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1810
Industry	Insurance - Diversified
Is primary listing	No
ISIN number	US4165151048
Last earnings date	2026-10-26
Last refreshed	2026-10-28
Market cap	EUR 32B
Next earnings date	2026-10-29
Price	EUR 119.80
Price currency	EUR
Sector	Financials
SIC code	6331
Stock price date	2026-10-27
Symbol	bst/HFF
Website	https://www.thehartford.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	12.17x
Average P/E ratio (3Y)	10.13x
Average P/E ratio (5Y)	10.36x
Earnings yield	12.3%
EV/Earnings	8.95x
EV/EBIT	7.16x
EV/EBITDA	6.72x
EV/FCF	5.91x
EV/Sales	1.36x
FCF / EV yield	16.92%
FCF yield	19.09%
Forward P/E	10.19x
Graham number	146.45713
Graham upside	21.29%
Lynch fair value	EUR 248.76
Lynch upside	106.01%
P/B ratio	1.93x
P/E ratio	8.13x
P/FCF ratio	5.24x
P/OCF ratio	5.2x
P/S ratio	1.23x
Price / tangible book value	2.22x
Price/EBITDA ratio	6.11x
Sector forward P/E	11.95x
Sector P/E	12.95x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	19.01%
EBITDA margin	20.13%
Effective tax rate	20%
FCF margin	22.98%
Gross margin	38.57%
Operating margin	19.01%
Pretax margin	18.33%
Profit margin	15.57%
Profit per employee	EUR 210,381
Profitable quarters	35
Profitable years	8
Revenue per employee	EUR 1.4M
ROA	4.08%
ROA (5Y)	2.87%
ROCE	7.39%
ROE	23.25%
ROE (5Y)	16.62%
ROIC	19.04%
ROIC (5Y)	13.79%
Tax / revenue	3.67%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	35.01%
EPS growth (Q)	28.04%
EPS growth (QoQ)	3.04%
EPS growth 10Y	16.89%
EPS growth 3Y	31.23%
EPS growth 5Y	22.4%
EPS growth quarters	6
EPS growth years	3
FCF growth	17.93%
FCF growth (Q)	64.58%
FCF growth (QoQ)	141.89%
FCF growth 3Y	26%
FCF growth 5Y	11.8%
Net income growth	29.51%
Net income growth (Q)	22.5%
Net income growth (QoQ)	1.86%
Net income growth 3Y	25.8%
Net income growth 5Y	16.34%
Net income growth quarters	6
Net income growth years	3
OCF growth	16.78%
OCF growth (Q)	60.56%
OCF growth (QoQ)	148.19%
OCF growth 10Y	12.46%
OCF growth 3Y	23.9%
OCF growth 5Y	11.24%
Revenue growth	9.19%
Revenue growth (Q)	3.9%
Revenue growth (QoQ)	-0.61%
Revenue growth 10Y	4.94%
Revenue growth 3Y	6.97%
Revenue growth 5Y	6.24%
Revenue growth quarters	16
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -40.5M
EBIT	EUR 5B
EBITDA	EUR 5.2B
EPS	EUR 14.85
Financing cash flow	EUR -2.2B
Free cash flow	EUR 6.1B
Gross profit	EUR 10B
Income taxes	EUR 955.5M
Investing cash flow	EUR -4B
Net cash flow	EUR -15M
Net income	EUR 4B
Operating income	EUR 5B
Revenue	EUR 26.1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 60.84
Debt / EBITDA	0.73
Debt / equity	0.23
Debt / FCF	0.63
Goodwill	EUR 1.5B
Interest coverage	27.99
Net cash (debt)	EUR -3.7B
Net cash / market cap	-11.67%
Net debt / EBITDA	0.71
Net debt / equity	0.23
Net debt / FCF	0.61
Piotroski F-Score	5
Property, plant and equipment	EUR 777.3M
Shareholders' equity	EUR 16.6B
Tangible book value	EUR 14.4B
Tangible book value per share	EUR 53.81
Total assets	EUR 76.7B
Total cash	EUR 4B
Total debt	EUR 3.8B
Total liabilities	EUR 60.1B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.34
Current ratio	1.67
Net working capital	EUR 6.4B
Quick ratio	1.02
Working capital	EUR 6.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	3.95%
Dividend growth	8.46%
Dividend growth (10Y)	10.35%
Dividend growth (3Y)	8.78%
Dividend growth (5Y)	12.48%
Dividend growth years	16
Dividend payment date	2026-10-02
Dividend payment years	28
Dividend payout frequency	Quarterly
Dividend per share	EUR 2.06
Dividend yield	1.72%
Ex-dividend date	2026-09-01
Last dividend	EUR 0.52
Payout ratio	14.39%
Shareholder yield	5.65%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 116.83
1D price change	-1.32%
1M price change	10.98%
1M total return	10.98%
1W price change	-0.17%
1W total return	-0.17%
1Y price change	7.81%
1Y return CAGR	9.76%
1Y total return	9.75%
20-day SMA	EUR 116.79
200-day SMA	EUR 116.67
3M price change	-1.99%
3M total return	-1.56%
3Y price change	78.89%
3Y return CAGR	23.66%
3Y total return	89.1%
50-day SMA	EUR 116.51
50-day SMA vs 200-day SMA	50under200
52-week high	EUR 127.55
52-week high date	2026-07-29
52-week low	EUR 106.45
52-week low date	2026-10-01
5Y price change	127.83%
5Y return CAGR	20.49%
5Y total return	153.97%
6M price change	5.55%
6M total return	6.52%
All-time high	EUR 127.55
All-time high date	2026-07-29
All-time low	EUR 23.80
All-time low date	2020-03-19
Average true range (ATR)	EUR 2.53
Average volume	15
Change from 52-week high	-6.08%
Change from 52-week low	12.54%
Change from all-time high	-5.33%
Change from all-time low	407.35%
Change from open	-0.95%
Day's gap	-0.37%
High price	EUR 121.15
Low price	EUR 118.85
Monthly RSI	61.67
Open price	EUR 120.95
Position in 52-week range	41.3%
Previous close	EUR 121.40
Price vs 150-day SMA	3.35%
Price vs 20-day SMA	3.39%
Price vs 200-day SMA	3.49%
Price vs 50-day SMA	3.64%
Relative volume	6.54
RSI	56.93
Sharpe ratio	1
Sortino ratio	1.84
Weekly RSI	55.45
YTD price change	3.21%
YTD total return	4.6%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	269.6M
Shares change (QoQ)	-1.16%
Shares change (YoY)	-3.95%
Shares held by insiders	0.33%
Shares held by institutions	96.31%
Short ratio	2.9 days

Deeper analysis on BST/HFF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BST/HFF report

Is a complete BST/HFF research report available?

No complete published report is available for bst/HFF (BST/HFF) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BST/HFF (BST/HFF)

Price

Financial snapshot

Fair-value bridge

Latest news · BST/HFF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BST/HFF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BST/HFF

Frequently asked questions