Hartford Insurance Group, Inc. (HIG)
Financials · Property & Casualty Insurance · US stock · S&P 500 component
$139.45
▲ +3.63 (2.67%)
Fair valueFair
$142 +1.8% to fair value
$71fair band $121–$172$213
Day's range
$136.40 – $139.72
52-week range
$120.33 – $146.07
About Hartford Insurance Group, Inc.
The Hartford is an insurance and investment company that sells property and casualty coverage to businesses and individuals, along with group benefits such as disability and life insurance, and mutual fund products. Its main income comes from premiums paid by policyholders, less claims and expenses, together with investment income earned on the premiums it holds before claims are paid. Catastrophe losses and claims costs can make results uneven from year to year.
Revenue of $29.1 billion was recorded for the latest twelve months; sales expanded at 8.3% a year across three years. Hartford Insurance Group, Inc. converts that into an operating margin of 18.0%. Return on invested capital comes to 18%. A dividend is paid, with a yield of 1.7%, and the X-Ray Score is 64 out of 100.
Price chart
52-wk range $120.33 – $146.07Volume 1,248,739Daily, split-adjusted
Vitals
Market cap$38.5B
52-week range$120.33 – $146.07
Volume (last day)1,248,739
P/E (TTM)9.0
EBIT / EV yield12.2%
Free-cash-flow yield15.2%
Dividend yield1.7%
Revenue (TTM)$29.1B
Net income (TTM)$4.4B
Operating margin18.0%
Return on capital17.7%
Debt incl. leases$4.4B
Cash & securities$203M
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$142middle half of models $141 – $144
Fair
+1.8% to fair value
Average of the 4 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $139
Undervalued < $121Fair $121 – $172Overvalued > $172
P/E multiple
$143
P/B multiple
$135
P/S multiple
$144
Dividend discount, stable
$146
Dividend discount, multi-stage · not used
$298
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Fair
65/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield12.2%
Free-cash-flow yield15.2%
Fair value vs price1.0×
Growth
Fair
63/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)8.3%
EPS growth (3y)34.6%
Growth consistency100%
Profitability
Fair
59/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital17.7%
Operating margin18.0%
Financial health
Fair
69/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score9 / 9
Net debt / EBITDA0.8×
Interest cover26.2×
Dividends
Fair
62/100
Dividend is typical for its sector.
See the numbers →
Dividend yield1.7%
Dividends vs free cash flow11%
Dividend growth5.4%
Quarterly results: last 6 quarters
+6.1%
Mar '25
+3.5%
Jun '25
+7.1%
Sep '25
+6.7%
Dec '25
+6.1%
Mar '26
+8.1%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $7.3B, diluted EPS $4.68.
Compare with peers
PGR Progressive Corp69 ACGL Arch Capital Group Ltd...61 CINF Cincinnati Financial C...60 WRB Berkley W R Corp57Other Property & Casualty Insurance companies by X-Ray Score.
SWOT analysis: Hartford Insurance Group, Inc.
Strengthsinside the company
- Earnings per share have compounded at 34.6% a year over three years.
- Free cash flow equals 15.2% of the market value, which funds dividends, buybacks or debt paydown.
- Operating profit covers interest 26x, so debt costs are a small drag.
- Passes 9 of the 9 Piotroski tests, which points to improving profitability, funding and efficiency.
Weaknessesinside the company
- No clear weakness in the figures we track.
Opportunitiesvaluation and setting
- Dividends use only 11% of free cash flow, which leaves room to raise them.
- Our Market Compass rates the backdrop for Financials as favourable.
- Price momentum is strong on the weekly and monthly signals (trends can reverse).
Threatsvaluation and setting
- No specific threat is flagged by our checks; general market and interest-rate risk still applies.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare HIG with peers and sector
Medians of 7 Property & Casualty Insurance peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): CB 50, PGR 69, TRV 52, ALL 54, ACGL 61, WRB 57.
| Metric | HIG | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 64 | 57 | 50 |
| Valuation | 65 | 62 | 52 |
| Growth | 63 | 62 | 54 |
| Profitability | 59 | 63 | 48 |
| Financial health | 69 | 55 | 50 |
| Dividends | 62 | 60 | 54 |
Sector leaders: highest X-Ray Score in Financials
HIG ranks #6 of 71 in Financials and #2 of 8 in Property & Casualty Insurance by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for HIG
Each factor is rated by where HIG stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 4 Good · 3 Average · 1 Bad of 8
Growth: 1 · 2 · 0
Profitability: 1 · 0 · 1
Valuation: 2 · 1 · 0
| Factor | HIG | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | +8.3% | Average beats 50% | +8.3% | – | – |
| Revenue growth, last year | +6.9% | Average beats 51% | +6.9% | +8.2% | ≈ In line |
| EPS growth, 3 years a year | +34.6% | Good beats 86% | +12.7% | – | – |
| Profitability | |||||
| Net margin | 15.0% | Bad beats 33% | 21.8% | 10.6% | ▲ Better |
| Return on equity | 22.2% | Good beats 76% | 15.7% | 16.3% | ▲ Better |
| Valuation | |||||
| P/E ratio | 8.8x | Good beats 88% | 13.8x | 10.3x | ≈ In line |
| Price / book | 2.0x | Average beats 61% | 2.2x | 1.8x | ≈ In line |
| Price / sales | 1.3x | Good beats 88% | 3.1x | 1.1x | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 5 Good · ● 7 Average · ● 1 BadCash quality
Earnings backed by cashAverage
Free-cash-flow yieldGood
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Good
Free-cash-flow growth (3y)Average
Revenue growth (3y)Average
Growth consistencyGood
Balance sheet
Net debt / EBITDAAverage
Interest coverAverage
Valuation
Fair value vs priceAverage
EBIT / EV yieldGood
Profitability
Return on invested capitalAverage
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 61/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $22.4B | $22.4B | $24.5B | $26.5B | $28.4B |
| Operating income | $3.1B | $2.5B | $3.3B | $4.0B | $5.0B |
| Net income | $2.4B | $1.8B | $2.5B | $3.1B | $3.8B |
| Operating cash flow | $4.1B | $4.0B | $4.2B | $5.9B | $5.9B |
| Operating margin | 14.0% | 11.1% | 13.4% | 15.3% | 17.5% |
| Free cash flow | $4.0B | $3.8B | $4.0B | $5.8B | $5.8B |
| Diluted EPS | $6.64 | $5.46 | $7.97 | $10.35 | $13.32 |
Fiscal years, from SEC filings.
Technical summary
Daily
Strongly bullish
12 bullish · 1 neutral · 3 bearish
Weekly
Strongly bullish
9 bullish · 1 neutral · 2 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 133.6 | Bullish |
| EMA 10 | 134.2 | Bullish |
| SMA 20 | 129.8 | Bullish |
| EMA 20 | 132.4 | Bullish |
| SMA 50 | 133.3 | Bullish |
| EMA 50 | 132.9 | Bullish |
| SMA 100 | 134.4 | Bullish |
| EMA 100 | 133.8 | Bullish |
| SMA 200 | 134.5 | Bullish |
| EMA 200 | 133.1 | Bullish |
Oscillators (daily)
| RSI (14) | 69.39 | Neutral |
| MACD (12, 26) | 1.30 | Bullish |
| Momentum (12) | 9.99 | Bullish |
| Stochastic %K (14) | 98.08 | Bearish |
| Williams %R (14) | -1.92 | Bearish |
| CCI (20) | 154.5 | Bearish |
Pivot points (classic, last session)
S3 134.0 | S2 135.2 | S1 137.3 | Pivot 138.5 | R1 140.6 | R2 141.8 | R3 144.0 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
2.40 USD
Yield on today's price
1.72%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 0.6000 | |
| 0.6000 | |
| 0.6000 | |
| 0.6000 | |
| 0.5200 | |
| 0.5200 | |
| 0.5200 | |
| 0.5200 | |
| 0.4700 | |
| 0.4700 | |
| 0.4700 | |
| 0.4700 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold HIG
| ETF | Share of the fund |
|---|---|
| RDVI FT Cboe Vest Rising Dividend Achievers... | 1.87% |
| KIE SPDR S&P Insurance | 1.84% |
| RDVY First Trust Rising Dividend Achievers | 1.75% |
| SPLV Invesco S&P 500 Low Volatility | 0.99% |
| DYNF iShares U.S. Equity Factor Rotation Ac... | 0.97% |
| VOE Vanguard Mid-Cap Value | 0.63% |
| AVLV Avantis U.S. Large Cap Value | 0.60% |
| IYF iShares U.S. Financials | 0.59% |
The eight funds with the largest weight in HIG among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
HIG stock splits
HIG has split its stock once since 1998. The latest was a 2-for-1 split on 16 Jul 1998.
Full HIG stock split history →HIG SEC filings
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Director or officer change
8-KSEC EDGAR
Other events
8-KSEC EDGAR
Shareholder vote results
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.