The Hartford Insurance Group, Inc. HIG

124.23 (1.46) (1.16%) as of 25 Sep
Market cap
$34.1B
P/E
8.0×
Indexes indicate stock being part of an index,
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 57.42
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell 1 1 — 1 5 2 — 1 — — — —
Insider Ownership 1.26%

Capital & Financial Ratios

Market Cap 34,050.00
Revenue 29,331.00
Net Income 4,365.00
Free Cash Flow 5,873.00
Net Debt 4,171.00
Current Ratio 0.24
Debt/Equity 0.22
P/E ratio 7.96
P/S ratio 1.16
P/B ratio 1.76
Past 5Y EPS Growth 12.84%
This Y EPS Growth (5.08%)
Next Y EPS Growth 7.49%
Next 5Y EPS Growth 2.90%
in millions of $

Dividends

Payout Ratio 0.27
Annual Dividend Rate 1.70
Annual Dividend Yield 2.09%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.44
0.60
0.60
0.60
2025 2.16
0.52
0.52
0.52
0.60
2024 1.93
0.47
0.47
0.47
0.52
2023 1.75
0.43
0.43
0.43
0.47
2022 1.58
0.39
0.39
0.39
0.43
2021 1.44
0.35
0.35
0.35
0.39
2020 1.30
0.33
0.33
0.33
0.33
2019 1.20
0.30
0.30
0.30
0.30
2018 1.10
0.25
0.25
0.30
0.30
2017 0.94
0.23
0.23
0.23
0.25
2016 0.86
0.21
0.21
0.21
0.23
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 189 234 177 203
Receivables 12,711 13,138 13,507 14,046
Inventory — — — —
Other — — — —
12,900 13,372 13,684 14,249
2023 2024 2025 Q'26
Payables 52,039 55,080 57,377 59,035
ST’ Debt — — — —
Other — — — —
52,039 55,080 57,377 59,035
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 5.90% 6.69% 8.25%
Cash Flow 7.95% 8.88% 13.90%
Earnings 8.53% 17.33% 28.50%
Book Value 0.73% 0.45% 11.54%

Revenue

Mar Jun Sep Dec Year
’26 7,226 7,263 — — —
’25 6,810 6,716 7,232 7,610 28,368
’24 6,419 6,486 6,751 6,879 26,535
’23 5,910 6,049 6,168 6,400 24,527
’22 5,393 5,373 5,580 6,016 22,362
’21 5,299 5,589 5,686 5,816 22,390
’20 4,956 5,068 5,171 5,328 20,523
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 1,045 1,189 — — —
’25 985 1,291 1,838 1,808 5,922
’24 1,097 1,260 1,678 1,874 5,909
’23 871 (49) 1,771 1,627 4,220
’22 429 974 1,521 1,084 4,008
’21 759 838 1,292 1,204 4,093
’20 298 969 1,388 1,216 3,871
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 1,014 1,304 — — —
’25 947 1,251 1,793 1,762 5,753
’24 1,047 1,199 1,618 1,900 5,764
’23 822 (99) 1,719 1,563 4,005
’22 398 928 1,476 1,031 3,833
’21 736 814 1,247 1,163 3,960
’20 275 941 1,361 1,180 3,757
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 3.04 4.68 — — —
’25 2.15 3.44 3.77 3.98 13.32
’24 2.47 2.44 2.56 2.88 10.35
’23 1.66 1.73 2.09 2.51 7.97
’22 1.30 1.32 1.02 1.81 5.44
’21 0.67 2.51 1.36 2.10 6.62
’20 0.74 1.29 1.26 1.47 4.76
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
36.54 46.35 40.54 42.77 19.04 47.47 60.17 64.25 80.63 104.93

Analyst estimates 2026–2028

Powerpack
Low Price
48.82 58.61 59.20 62.75 61.32 78.17 76.97 81.07 124.90 140.50
High Price
16,900 16,400 18,500 19,500 18,500 18,100 18,800 18,700 19,100 19,200
Employees
1 1 1 1 1 1 1 1 1 1
Revenue/Emp
16,291 17,162 18,955 20,740 20,523 22,390 22,362 24,527 26,535 28,368
Revenue
38.86% 40.72% 41.10% 44.69% 42.48% 43.19% 41.25% 41.95% 43.95% 46.28%
Gross Margin
447 723 1,753 2,560 2,120 2,905 2,262 3,088 3,849 4,760
EBT
2.74% 4.21% 9.25% 12.34% 10.33% 12.97% 10.12% 12.59% 14.51% 16.78%
EBT Margin
896 (3,131) 1,807 2,085 1,737 2,371 1,819 2,504 3,111 3,836
Net Income
531 433 505 438 602 609 510 395 230 288
Depreciation
42.02 47.19 52.89 57.47 57.28 64.14 68.85 79.87 90.29 100.45
Revenue/Sh
2.27 (8.61) 4.95 5.66 4.76 6.71 5.52 7.97 10.35 13.32
Earnings/Sh
5.33 6.01 7.93 9.67 10.80 11.72 12.34 13.74 20.11 20.97
Cash Flow/Sh
(0.58) (0.69) (0.34) (0.29) (0.32) (0.38) (0.54) (0.70) (0.49) (0.60)
Capex/Sh
4.75 5.32 7.59 9.38 10.49 11.34 11.80 13.04 19.61 20.37
Free CF/Sh
43.60 37.10 36.55 45.08 51.79 51.11 42.11 49.91 55.96 67.21
Book Value/Sh
388 364 358 361 358 349 325 307 294 282
Shares
21.41 0.00 8.96 10.66 10.27 10.26 13.73 10.09 10.45 10.23
PE Ratio
1.14 1.17 0.84 1.06 0.86 1.08 1.09 1.02 1.21 1.37
PS Ratio
1.10 1.49 1.25 1.38 0.96 1.38 1.83 1.67 2.00 2.09
PB Ratio
1.42 1.45 1.08 1.28 1.08 1.30 1.30 1.21 1.39 1.54
EV/Sales
12.54 12.87 7.53 7.84 5.90 7.38 7.59 7.43 6.40 7.60
EV/FCF
2,066 2,186 2,843 3,489 3,871 4,093 4,008 4,220 5,909 5,922
Op' Cash Flow
(224) (250) (122) (105) (114) (133) (175) (215) (145) (169)
Capex
1,842 1,936 2,721 3,384 3,757 3,960 3,833 4,005 5,764 5,753
FCF
(27,332) (31,307) (31,660) (34,869) (35,305) (36,831) (37,961) (39,139) (41,708) (43,693)
Working Cap'
4,910 4,998 4,678 4,848 4,352 4,944 4,357 4,362 4,366 4,371
Total Debt
4,582 4,818 4,557 4,586 4,113 4,607 4,013 4,173 4,132 4,194
Net Debt
16,903 13,494 13,101 16,270 18,556 17,843 13,676 15,327 16,447 18,979
Sh' Equity
0.40% (1.39%) 1.25% 3.10% 2.37% 3.12% 2.40% 3.32% 3.92% 4.57%
ROA
4.14% 3.55% 7.28% 8.99% 6.78% 8.74% 8.79% 10.55% 12.30% 13.37%
ROIC
5.19% (20.60%) 13.72% 14.38% 10.05% 13.15% 11.66% 17.53% 19.87% 21.95%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

The Hartford Insurance Group, Inc. peers in Insurance Diversified

All 11 Insurance Diversified stocks →

HIG metrics, ten years each

The Hartford Insurance Group, Inc. (HIG) key facts

  • The Hartford Insurance Group, Inc. (HIG) is an Insurance Diversified company in the Financial sector, listed on the New York Stock Exchange.
  • The Hartford Insurance Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $28.4 billion, up 6.91% from fiscal 2024.
  • Net income was $3.8 billion, or $13.32 per share (basic), a net margin of 13.5%.
  • As of September 25, 2026, HIG traded at $124.23, a market capitalization of $34.1 billion.
  • At that price the stock trades at 8.0× trailing-twelve-month earnings and 1.2× sales.
  • The Hartford Insurance Group, Inc. pays an annual dividend of $1.70 per share, a yield of 2.09%, with a payout ratio of 26.7%.
  • Return on equity was 22.0% and debt-to-equity 0.22.

Source: company filings (standardised) and stockrow calculations.

The Hartford Insurance Group, Inc. (HIG) Latest News

News by impact score

Fine-tune

25 Sep

3

VOYA Financial's VOYA Employee Benefits segment is becoming a clearer earnings driver. In 2Q26, trailing-12-month net revenues rose 13% YoY and the aggregate loss ratio fell to 74%, lifting the TTM adjusted operating margin to 11% from 3.7%. Management cites disciplined underwriting, pricing actions and expense control, with annualized in-force premiums and fees around $3.6 billion, flat YoY. Price actions should offset higher claims, and expense discipline supports margin expansion. Employee Benefits posted $22 million of pre-tax adjusted operating earnings in 2Q26, down from $69 million a year earlier due to the prior period's favorable Stop Loss development. Continued improvements in Group Life, Voluntary Benefits and Stop Loss, along with pricing discipline, could sustain gains. Hartford's HIG Employee Benefits is noted for higher new business and persistency above 90%. HIG is cited with modest positives (higher new business, strong persistency) but no transformative earnings catalysts.

1 Sep

3

Hartford Insurance Group partners with a new research lab to back energy startups. Partnership positions HIG to engage with energy sector innovation but lacks scale for major trajectory shift.

6 Aug

4

Hartford Insurance Group (HIG) agrees to acquire an employee benefits business. Acquisition of an employee benefits business marks a major strategic expansion for The Hartford Insurance Group.

4 Aug

4

The Hartford Insurance Group, Inc. (HIG) will acquire Equitable’s Employee Benefits Business. Acquisition of Equitable’s Employee Benefits Business expands The Hartford's operations and competitive position in a core insurance segment.

1 Aug

3

Hartford Insurance Group's Q2 earnings call featured five analyst questions on growth strategies, underwriting results, investment performance, expense management and capital deployment. Analyst questions from the Q2 call highlight operational and strategic areas that may influence Hartford's near-term financial results and market positioning.

27 Jul

3

HIG sustains robust core insurance performance in Q2 while executing targeted portfolio adjustments to refine operations and growth focus. Core strength paired with portfolio moves points to moderate effects on financials and positioning without major trajectory shifts.

24 Jul

3

The Hartford Insurance Group Inc (HIG) reported strong core earnings in its Q2 2026 earnings call. Strong Q2 2026 core earnings reflect solid financial results likely to support near-term stock sentiment.

3

The Hartford Insurance Group reported Q2 earnings that beat estimates, driven by strong investment income. Q2 earnings beat from investment income offers moderate positive effect on short-term financial performance and sentiment.

3

The Hartford Insurance Group Q2 earnings call highlighted quarterly financial results, operational updates and forward guidance for the insurer. Q2 earnings details can shift near-term investor sentiment and valuation without altering long-term strategy.

3 transcript

The Hartford Financial Services Group, Inc. held its Q2 2026 earnings call, covering financial results and company outlook. Quarterly earnings calls typically provide performance updates that can shift near-term investor sentiment without major structural changes.

23 Jul

4

The Hartford Insurance Group, Inc. reported strong second quarter 2026 financial results. Strong quarterly results signal improved financial health and potential stock appreciation.

3

The Hartford Insurance Group (HIG) Q2 earnings reported with key metrics compared to analyst estimates. Q2 earnings metrics versus estimates can shift investor sentiment on financial results.

22 Jul

3

Hartford (HIG) prepares to release Q2 earnings with key financial details and context supplied ahead of the announcement. Q2 earnings preview supplies data that can move near-term sentiment but does not alter long-term strategy or market position.

3 Jul

3

The Hartford Insurance Group anticipates Q2 2026 earnings, with focus on revenue, underwriting margins, investment income, and comparisons to prior periods amid prevailing market and economic conditions. Preview of upcoming earnings can shape near-term investor expectations and valuation for The Hartford.

4 Jun

4

HIG divests Hartford Funds to Wellington, unlocking $1.9B value. Major divestiture of Hartford Funds unit for $1.9B constitutes strategic move likely to alter HIG trajectory and investor sentiment.

3 Jun

4

Wellington Management will acquire Hartford Funds from The Hartford Insurance Group for $1.9 billion to expand its wealth management platform. Sale of the entire funds business for $1.9 billion constitutes a major strategic divestiture that will materially alter HIG's operations and capital position.

3

Wellington acquires Hartford Funds to expand distribution among financial advisors. Divestiture of funds unit allows HIG to streamline operations around core insurance lines.

3

Wellington Management acquires Hartford Funds from The Hartford Insurance Group, Inc. Divestiture of Hartford Funds marks a strategic shift in asset management operations.

12 May

4

The Hartford Insurance Group advances AI-driven benefits, linking the initiative to enhanced valuation and positive earnings outlook amid strategic growth. AI benefits push represents a major strategic move tying directly to HIG's valuation and earnings trajectory.

6 May

3

Industry leader Tom Alexander joins The Pinnacle Group to lead expansion into national wirehouses. Hiring an industry leader to spearhead wirehouse expansion could moderately enhance distribution channels and competitive positioning for HIG.

27 Apr

3

The Hartford Insurance Group Q1 earnings call highlights key financial results, operational updates, and forward guidance for the insurance firm. Q1 earnings highlights reveal financial performance and outlook with moderate influence on investor sentiment and trajectory.

26 Apr

3

Hartford Insurance Group (HIG) delivered resilient first-quarter earnings and strong underwriting performance, prompting a positive valuation review amid stable market conditions. Resilient Q1 earnings and underwriting results moderately boost HIG's financial performance and investor sentiment without fundamental changes.

25 Apr

4

The Hartford Insurance Group Inc (HIG) reported strong core earnings in Q1 2026 earnings call, highlighting robust financial performance amid positive operational results. Strong Q1 2026 core earnings indicate significant positive influence on HIG's financial trajectory and investor sentiment.

3

The Hartford Insurance Group (HIG) Q1 results show pricing discipline and technology investments offsetting competitive pressures. Pricing discipline and technology investments countered Q1 competitive pressures, moderately influencing financial performance and competitive positioning.

24 Apr

4

The Hartford Financial Services Group, Inc. released its Q1 2026 earnings call summary, highlighting financial results, performance metrics, and forward guidance. Quarterly earnings call summaries deliver key financial data and strategic outlook that drive substantial shifts in stock valuation and market positioning.

3

The Hartford Insurance Group, Inc. (HIG) Q1 earnings missed expectations due to higher costs, despite gains in personal insurance. Q1 earnings miss from higher costs pressures profitability and investor sentiment moderately despite personal lines growth.

23 Apr

4

The Hartford Insurance Group (HIG) Q1 earnings feature key metrics compared against estimates, highlighting performance in core operations. Q1 earnings metrics versus estimates signal financial health and directly sway investor sentiment and stock trajectory.

4

Hartford (NYSE:HIG) exceeded Q1 CY2026 expectations. Exceeding quarterly expectations enhances financial performance outlook and investor sentiment, significantly impacting market trajectory.

4

The Hartford Insurance Group, Inc. (HIG) reported first quarter 2026 financial results. Quarterly financial results reporting significantly impacts HIG's stock price and investor sentiment.

22 Apr

3

The Hartford Insurance Group (HIG) reports quarterly earnings tomorrow. Consensus expects adjusted operating EPS around $2.58, revenue of $6.8 billion, with focus on commercial and personal lines growth, underwriting results, and expense management amid market conditions. Upcoming earnings release will influence short-term stock performance and investor views on financial health but remains a routine quarterly event.

stockrow.com/HIG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com