The Hartford Insurance Group, Inc. HIG
- Market cap
- $34.1B
- P/E
- 8.0×
Follow HIG
Target Price Range
Analyst price targets
Free account| 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
|
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| 48.82 | 58.61 | 59.20 | 62.75 | 61.32 | 78.17 | 76.97 | 81.07 | 124.90 | 140.50 |
High Price
|
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| 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
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|||
| 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
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| 2.74% | 4.21% | 9.25% | 12.34% | 10.33% | 12.97% | 10.12% | 12.59% | 14.51% | 16.78% |
EBT Margin
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| 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
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| 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
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|||
| 1.14 | 1.17 | 0.84 | 1.06 | 0.86 | 1.08 | 1.09 | 1.02 | 1.21 | 1.37 |
PS Ratio
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| 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
|
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| 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
|
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| 1,842 | 1,936 | 2,721 | 3,384 | 3,757 | 3,960 | 3,833 | 4,005 | 5,764 | 5,753 |
FCF
|
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| (27,332) | (31,307) | (31,660) | (34,869) | (35,305) | (36,831) | (37,961) | (39,139) | (41,708) | (43,693) |
Working Cap'
|
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| 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
|
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| 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
|
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| 5.19% | (20.60%) | 13.72% | 14.38% | 10.05% | 13.15% | 11.66% | 17.53% | 19.87% | 21.95% |
ROE
|
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The Hartford Insurance Group, Inc. peers in Insurance Diversified
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ACGL Arch Capital Group Ltd. | $32.4B | 7.3× | Compare |
| AIG American International Group, Inc. | $39.1B | 13.5× | Compare |
| AEG Aegon NV | $13.1B | 0.0× | Compare |
| BNT Brookfield Wealth Solutions Ltd. | $10.9B | 42.8× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| PLGO Pelagos Insurance Capital Limited | $2.0B | 5.8× | Compare |
| XZO Exzeo Group, Inc. | $1.4B | 15.5× | Compare |
| BRK.A Berkshire Hathaway Inc. | $973.2B | 19,015× | Compare |
| BRK.B Berkshire Hathaway Inc. | $974.3B | 12.7× | Compare |
HIG metrics, ten years each
- Revenue
- Net income
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- EV/EBITDA
- EV/Sales
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
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.
The Hartford Insurance Group, Inc. (HIG) Latest News
25 Sep
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
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
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
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
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
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
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.
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.
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.
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
The Hartford Insurance Group, Inc. reported strong second quarter 2026 financial results. Strong quarterly results signal improved financial health and potential stock appreciation.
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
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
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
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
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.
Wellington acquires Hartford Funds to expand distribution among financial advisors. Divestiture of funds unit allows HIG to streamline operations around core insurance lines.
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
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
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
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
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
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.
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
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.
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
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.
Hartford (NYSE:HIG) exceeded Q1 CY2026 expectations. Exceeding quarterly expectations enhances financial performance outlook and investor sentiment, significantly impacting market trajectory.
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
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.