Hartford Financial Services Group
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Price history
Chart
Interactive price chart (TradingView).
52-week range: 122.40 $ to 145.70 $ · Last price: 133.10 $ (As of: September 17, 2026)
Key figures
Key figures at a glance
Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 09/17/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Comparison
Industry comparison
The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.
Industry: Insurance - Diversified
| Company | Market cap ($B) | P/E | EV/EBITDA | Gross Margin % | EBIT Margin % | Sales Growth (Year) % | Perf. 1Y % |
|---|---|---|---|---|---|---|---|
| Hartford Financial Services Group HIG | 36.0 | 9.8 | 0.0 | 37.9 | 15.3 | 7.1 | 6.0 |
| Berkshire Hathaway Inc BRK-A | 1,090.2 | 12.8 | 0.0 | 30.3 | 32.6 | 0.0 | 6.0 |
| Berkshire Hathaway Inc BRK-B | 1,090.0 | 13.1 | 0.0 | 30.3 | 32.6 | 0.0 | 5.9 |
| American International Group Inc AIG | 40.1 | 13.5 | 0.0 | 35.1 | 18.6 | -1.8 | 2.1 |
| Arch Capital Group Ltd. ACGL | 33.2 | 7.8 | 0.0 | 38.8 | 25.3 | 14.3 | 11.0 |
| Aegon NV AEG | 13.4 | 13.2 | 0.0 | 45.7 | 0.3 | 37.6 | 24.0 |
| Pelagos Insurance Capital Ltd PLGO | 2.2 | 6.8 | 0.0 | 25.2 | 19.3 | 2.9 | 44.8 |
| Exzeo Group, Inc. XZO | 1.5 | 15.5 | 11.4 | 100.0 | 51.7 | 62.0 | – |
| International General Insurance Holdings Ltd IGIC | 1.1 | 10.2 | 0.0 | 43.4 | 15.3 | -1.8 | 9.9 |
| Median of companies shown | 33.2 | 12.8 | 0.0 | 37.9 | 19.3 | 2.9 | 8.0 |
Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →
Fiscal years
Annual Figures
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
Revenue, operating income and net income per fiscal year $M
Revenue Operating income Net income
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 16,291 | 447 | 896 | 2.27 | 2,066 | 16,903 | 223,432 |
| 2017 | 17,162 | 723 | -3,131 | -8.45 | 2,186 | 13,494 | 225,260 |
| 2018 | 18,750 | 1,753 | 1,807 | 4.96 | 2,843 | 13,101 | 62,307 |
| 2019 | 20,508 | 2,560 | 2,085 | 5.71 | 3,489 | 16,270 | 70,817 |
| 2020 | 20,320 | 2,120 | 1,737 | 4.82 | 3,871 | 18,556 | 74,111 |
| 2021 | 21,649 | 2,905 | 2,371 | 6.70 | 4,093 | 17,843 | 76,578 |
| 2022 | 21,854 | 2,262 | 1,819 | 5.52 | 4,008 | 13,631 | 73,022 |
| 2023 | 24,330 | 3,088 | 2,504 | 8.04 | 4,220 | 15,327 | 70,096 |
| 2024 | 26,384 | 3,849 | 3,111 | 10.42 | 5,909 | 16,447 | 80,917 |
| 2025 | 28,258 | 4,760 | 3,836 | 13.39 | 5,922 | 18,979 | 85,997 |
Quarters
Quarterly Figures
Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 2.87 | 13.50 | 6,800 | 7.50 | 12.50 | 1,874 | 1,900 |
| 2025: Q1 | 2.17 | -12.90 | 6,810 | 6.40 | 9.30 | 985 | 947 |
| 2025: Q2 | 3.46 | 40.50 | 6,716 | 3.50 | 14.80 | 1,291 | 1,251 |
| 2025: Q3 | 3.79 | 47.00 | 7,232 | 7.70 | 14.90 | 1,838 | 1,793 |
| 2025: Q4 | 4.00 | 39.60 | 7,312 | 7.50 | 15.50 | 1,808 | 1,762 |
| 2026: Q1 | 3.03 | 39.80 | 7,226 | 6.10 | 11.80 | 1,045 | 1,014 |
| 2026: Q2 | 4.68 | 35.30 | 7,263 | 8.10 | 17.90 | 1,189 | 1,304 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Screening
Appears in These Scanners
This stock currently matches 14 of our scanner strategies — each hit links to the scanner.
Growth
Quality & Balance Sheet
- Buffett Criteria (Buffettology)
- Buffett: Owner Earnings Yield
- Levermann
- Pros 80%
- QARP — Quality at a Fair Price
Breakout & Setup
Momentum & Trend
Value & GARP
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners
Outlook
Analysts & Price Target
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Distribution of Recommendations
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 12.76 | 12.14 – 13.19 | 28,879 | -4.9% | 19 |
| 12/31/2027 | 13.69 | 13.18 – 14.41 | 29,915 | 7.3% | 23 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Valuation
What is priced in?
Instead of guessing what the stock is worth, we turn the question around: what free cash flow growth has to happen for today’s market value to add up? The assumptions behind it can be moved.
Today’s market value implies roughly -9.0% growth in free cash flow per year over ten years (assumptions: discount rate 10.0%, terminal growth 2.5%).
| Free cash flow (last twelve months) | $5.87B |
|---|---|
| Market cap | $35.98B |
| Free cash flow in year ten | $2.29B |
| Terminal value as a share of market value | 33.5% |
For comparison: over the past five years free cash flow grew by 8.9% per year.
It shows which assumption is built into today’s price, not whether that assumption will hold. Every assumption can be changed with the sliders; the figures move with them.
A simplified model calculation — not a forecast and not a recommendation.
AI classification
AI Rating
The Hartford setzt künstliche Intelligenz operativ in Zeichnung, Angebotserstellung und Schadenbearbeitung ein — über das hauseigene Angebotswerkzeug ICON werden nach eigenen Angaben mehr als 75 Prozent der neuen Gewerbepolicen ohne menschliches Zutun quotiert, und „Beschleunigung der KI-Befähigung“ steht als eigener Punkt in der Strategieliste des Geschäftsberichts; KI ist dabei keine Umsatzquelle, sondern Werkzeug, und die im Risikoteil genannte mögliche Nachfragewirkung auf Arbeiterunfall- und Employee-Benefits-Produkte bleibt allgemein gehalten.
View the full file — quotes, sources, reviewed filings
„Through its industry-leading ICON quoting tool, The Hartford quotes over 75% of new business policies from admitted markets without human intervention."
Über sein branchenführendes Angebotswerkzeug ICON quotiert The Hartford mehr als 75 Prozent der neuen Gewerbepolicen aus zugelassenen Märkten ohne menschliches Zutun.
10-K · 2026-02-20 · View SEC filing
„Accelerating artificial intelligence enablement and responsibly leveraging data, analytics, and digital capabilities to deliver smarter, faster outcomes across the businesses;"
Beschleunigung der Befähigung zu künstlicher Intelligenz und verantwortungsvolle Nutzung von Daten, Analytik und digitalen Fähigkeiten, um in allen Geschäftsbereichen klügere und schnellere Ergebnisse zu liefern;
10-K · 2026-02-20 · View SEC filing
„Increased use of advanced analytics (e.g., artificial intelligence) and automation in the workplace could potentially affect the demand for workers' compensation and employee benefits products over time."
Der zunehmende Einsatz fortgeschrittener Analytik (zum Beispiel künstlicher Intelligenz) und von Automatisierung am Arbeitsplatz könnte im Laufe der Zeit die Nachfrage nach Arbeiterunfall- und Employee-Benefits-Produkten beeinflussen.
10-K · 2026-02-20 · View SEC filing
Filings Reviewed: 10-Q 2026-07-23 · 8-K 2026-07-23 · 8-K 2026-07-15 · 8-K 2026-06-03 · 10-Q 2026-04-23 · 10-K 2026-02-20
Rated on July 28, 2026 · How the Rating Is Built
Earnings calls
What the Earnings Calls Reveal
Ten transcripts from 2024-Q1 through 2026-Q2 show a management team that usually delivers on margin targets and far less often on growth promises. The personal auto turnaround came in ahead of plan, the property premium goal and the six billion dollar small business mark were met, and trailing core ROE rose from 16.6 percent (2024-Q1) to 20.3 percent (2026-Q1). Against that stands a general liability reserve problem declared largely settled in 2024 that returned after five clean quarters in 2026-Q2 with the very same explanation, a policy count growth promise in personal lines that was never delivered, and an expense target whose interim reading in personal insurance moved the wrong way in mid 2026. Answers in the Q&A are open on headline figures but have been evasive on the breakdown of individual result drivers for years.
Auto turnaround beaten, growth promise missed
On the 2024-Q1 call management promised a 5 to 6 point improvement in the personal auto loss ratio for 2024, target margins from 2025, and policy count growth that would start modestly in 2025 and become meaningful in 2026. The margin half was beaten: 2024-Q4 reported 7.3 points of improvement, by their own words more than a point better than the high end of expectations, 2025-Q2 showed a 95.2 auto underlying combined ratio, and 2025-Q4 confirmed target profitability. The growth half was not delivered. In 2025-Q2 the CEO still explicitly reaffirmed that auto policy count would pivot to growth in 2026; in 2025-Q4 management then openly narrowed the goal to the agency channel, while direct channel growth was described as challenged. In 2026-Q1 and 2026-Q2 auto written premium fell 10 percent year over year each quarter, with total personal insurance down 6 and 7 percent.
Liability reserves: all clear lasted five quarters
After smaller general liability additions in 2024-Q1 (17 million dollars), 2024-Q2 (32 million) and 2024-Q3 (32 million), 2024-Q4 brought a 130 million dollar strengthening with an explicitly changed methodology. The CEO said: 'I feel highly confident that we put a good, if not all, a good chunk of this behind us.' That held for five quarters: 2025-Q1 stressed there were no increases at all in general liability and commercial auto, and 2025-Q2 through 2025-Q4 stayed clean. The 70 million dollars booked in 2026-Q1 do not count against it: per the transcript they related to sexual abuse exposures from the 1970s and 1980s including a provision for a bankruptcy settlement, a different matter from the loss trend gap addressed in 2024. The all clear broke in 2026-Q2: 46 million of general liability in the quarter plus commercial auto, spread across accident years 2017 to 2019 and 2022/23. The reasoning was in substance the same as in 2024: rising attorney representation and time limit demands. Asked whether anything was different this time, the CFO answered: 'No. I would not call out anything being different.'
Employee benefits: strong margin, sales promise missed
In 2024-Q4 management guided to a modest increase in sales for 2025 and said it was off to a solid start. That did not happen: in 2025-Q3 premiums and sales were flat year over year, and in 2025-Q4 the segment head himself conceded sales had been soft in 2025. The cause was an error the CEO openly admitted in 2025-Q2: in hindsight the company had priced group life on too conservative a mortality view and suppressed its own sales. Meanwhile the margin ran persistently above the self imposed 6 to 7 percent range (2024: 8.2 percent, 2025: 8.2 percent). The picture only turned in 2026: sales rose 53 percent in 2026-Q1 while the margin fell to 6.9 percent, and to 7.4 percent in 2026-Q2 with the disability loss ratio up 6.3 points.
AI narrative without hard numbers
Before 2025 artificial intelligence barely featured on these calls. In 2025-Q1 the CEO promised the company would lead the industry's AI implementation and asked investors to stay tuned. The frequency has climbed since: 2025-Q3 named an IT budget of 1.3 billion dollars with just over 500 million of it investment spend, and 2025-Q4 added phrases such as AI-first mindset and game changer plus expense ratio goals of below 30 percent in business insurance and below 25 percent in personal insurance by the end of 2027. None of it is measurable so far: in 2026-Q2 the P&C head said plainly that no KPIs had been disclosed for claims or underwriting and none would be. The expense ratios themselves have not improved so far, at 30.7 versus 30.6 percent in business insurance and 26.3 versus 25.1 percent in personal insurance. On the same call the company attributes the personal insurance increase to lower earned premium and higher commissions from a growing agency mix, and calls the business insurance figure in line with expectations and on track for the year end 2027 targets.
Annual commitment for 2025, none for 2026
In 2024-Q4 the CEO gave a clear annual commitment: the business insurance underlying combined ratio would stay consistent with 87.9 in 2025, while he simultaneously refused any product line reconciliation. 2025 ended at 88.5, and the 0.3 point gap at the half year was brushed aside in 2025-Q2 with the remark that one should not quibble over 30 basis points. For 2026 the same commitment was withheld: in 2025-Q4 he explicitly declined to give specific numbers or ranges. When an analyst called the expense targets guidance in 2026-Q2, he corrected her: 'We are not providing guidance. These are goals... We are not in the guidance game.' That is not a retroactive downgrade, since in 2025-Q4 the targets had only been offered as a personal view in the Q and A ('I could see it getting below 30%'), and on the same 2026-Q2 call the company confirmed it remained on track for its year end 2027 targets. The timing still stands out: the remark came in the quarter in which the personal insurance expense ratio deteriorated and he himself called that target path a substantially higher bar.
What was delivered reliably
Not everything is criticism. The 3 billion dollar property premium goal named in 2024-Q2 and 2024-Q3 was hit exactly according to 2024-Q4, followed by just over 3.3 billion in 2025. The six billion dollar small business mark flagged from 2025-Q1 onwards was reached in 2025 (2025-Q4). The rollout of the Prevail agency product ran ahead of promise: 2025-Q2 pledged 6 states by year end, and the company delivered 10 (2025-Q4), 15 (2026-Q1) and 23 (2026-Q2), putting the roughly 30 states by early 2027 within reach. Capital return also followed the stated path: buybacks of 350 million dollars per quarter (2024-Q1) rising through 400 and 450 to 475 million from 2026-Q3, plus dividend increases of 11 percent (2024-Q3) and 15 percent (2025-Q3).
Management promises
- 2024-Q1 — The personal auto loss ratio improves by 5 to 6 points in 2024 and target margins are reached in 2025. Beaten. 2024-Q4 reported 7.3 points, 2025-Q2 showed 95.2, and 2025-Q4 confirmed target profitability was achieved. kept
- 2024-Q1 — Personal auto policy count grows modestly from 2025 and more meaningfully from 2026. Not delivered. In 2025-Q4 the goal was narrowed to the agency channel, and in 2026-Q1 and 2026-Q2 auto premium fell 10 percent each quarter. broken
- 2024-Q3 — Commercial property written premium reaches 3 billion dollars in 2024. Met. 2024-Q4 reported the full year goal as achieved, followed by just over 3.3 billion in 2025. kept
- 2024-Q4 — The general liability reserve issue is largely, if not entirely, behind the company. Held for five quarters through 2026-Q1; the 70 million dollars booked there related to abuse claims from the 1970s and 1980s, a different matter. Broken in 2026-Q2 with 46 million of general liability plus commercial auto on the same reasoning as in 2024. broken
- 2024-Q4 — Employee benefits sales increase modestly in 2025. Missed. In 2025-Q3 premiums and sales were flat, and in 2025-Q4 management itself called 2025 sales soft. broken
- 2024-Q4 — The business insurance underlying combined ratio stays consistent with 87.9 in 2025. Narrowly met. 2025 ended at 88.5, 0.6 points weaker; management actively defended the gap in 2025-Q2 and 2025-Q3 rather than dropping the target. kept
- 2025-Q2 — The Prevail agency offering is live in 6 states by the end of 2025 and in roughly 30 states by early 2027. Beaten and on track: 10 states in 2025-Q4, 15 in 2026-Q1, 23 in 2026-Q2. kept
- 2025-Q4 — The expense ratio falls below 30 percent in business insurance and below 25 percent in personal insurance by the end of 2027, with a visible decline already in 2026. The deadline runs to the end of 2027, but no decline is visible yet in the first half of 2026: business insurance was flat year over year, personal insurance was unchanged in 2026-Q1 and 1.2 points worse in 2026-Q2. In 2026-Q2 management still holds to the year end 2027 target while calling the personal insurance path a substantially higher bar. open
Based on public earnings call transcripts. Reviewed: 10 transcripts 2024-Q1 through 2026-Q2.
Growth
Growth Score
Ten checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 8.9%
- More than 10% revenue growth is expected for the coming year 4.3%
- Share count grows by less than 3% a year -4.6%
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 27.5%
- Gross margin at 40% or higher and without meaningful erosion 46.1%
- Goodwill from acquisitions does not grow faster than revenue 2.2%
- Net debt below twice EBITDA 115 m net cash
- Operating cash flow covers the profits of the last three years 6,600 m
- Return on capital at 15% or higher, or up versus two years ago 5.6%
- Insiders hold at least 10% or are net buyers 0.4%
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Quality check
AAQS
7/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 6.3%
- Exp. sales growth 3Y > 5% 2.9%
- EBIT growth 10Y > 5% 30.1%
- Exp. EBIT growth 3Y > 5% 1.1%
- Net debt < 4x EBIT 0.0x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 22.1%
- Return on equity > 15% 23.2%
- ROCE > 15% 5.6%
- Expected return > 10% 17.3%
View stocks with the full AAQS score · Read the methodology at AlleAktien
Source: fundamental data
Insiders
Insider Transactions
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Aug 7, 2026 | Swift Christopher | Chairman and CEO | Other | 35,088 | 0.00 | – |
| Jul 27, 2026 | Ruesterholz Virginia P | Director | Other | 1,356 | 140.14 | 190,030 |
| Jul 27, 2026 | Roseborough Teresa Wynn | Director | Other | 1,356 | 140.14 | 190,030 |
| Jul 27, 2026 | Rippert Annette | Director | Other | 1,356 | 140.14 | 190,030 |
| Jul 27, 2026 | De Shon Larry D | Director | Other | 1,356 | 140.14 | 190,030 |
| Jul 27, 2026 | Bartlett Thomas A | Director | Other | 1,356 | 140.14 | 190,030 |
| Jul 27, 2026 | Fetter Trevor | Director | Other | 1,177 | 140.14 | 164,945 |
| Jul 27, 2026 | Fetter Trevor | Director | Other | 1,356 | 140.14 | 190,030 |
| Jul 27, 2026 | Dominguez Carlos | Director | Other | 821 | 140.14 | 115,055 |
| Jul 27, 2026 | Dominguez Carlos | Director | Other | 1,356 | 140.14 | 190,030 |
The company
About the Company
The Hartford Insurance Group, Inc. bietet mit ihren Tochtergesellschaften Versicherungs- und Finanzdienstleistungen für Privat- und Geschäftskunden in den USA, dem Vereinigten Königreich und international an.
- Employees
- 19,200
- Headquarters
- Hartford, CT
- Address
- One Hartford Plaza, 06155 Hartford, United States
- Phone
- (860) 547-5000
- Website
- thehartford.com
- IPO Date
- 12/20/1995
- ISIN
- US4165151048
- Stock Split
- 2:1 on 07/16/1998
Management
| Name | Title | Birth Year |
|---|---|---|
| Christopher Jerome Swift CPA | Chairman & CEO | 1961 |
| Adin Morris Tooker | President | 1970 |
| Beth A. Costello CPA | Executive VP & CFO | 1968 |
| Amy Marie Stepnowski | Executive VP & Chief Investment Officer | 1969 |
| Donald Christian Hunt J.D. | Executive VP & General Counsel | 1971 |
| Jeffery Hawkins | Chief Data, AI & Operations Officer | – |
| Allison Gayle Niderno | Senior VP, Controller & Principal Accounting Officer | 1980 |
| Shekar Pannala | Executive VP & Chief Information Officer | 1971 |
| Kate Jorens | SVP, Treasurer & Head of Investor Relations | – |
| Claire H. Burns | Chief Marketing & Customer Officer | 1969 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Filings
Company Filings (8-K)
An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).
- 08/11/2026 HARTFORD INSURANCE GROUP, INC. (HIG): Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers; Regulation FD Disclosure SEC ↗
- 07/23/2026 HARTFORD INSURANCE GROUP, INC. (HIG): Results of Operations and Financial Condition; Financial Statements and Exhibits SEC ↗
- 07/15/2026 HARTFORD INSURANCE GROUP, INC. (HIG): Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers SEC ↗
Data as of: September 17, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.