HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation

NYSE:HIG • US4165151048

Current stock price

134.1 USD
-1.31 (-0.97%)
At close:
134.1 USD
0 (0%)
After Hours:

This HIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. HIG Profitability Analysis

1.1 Basic Checks

  • In the past year HIG was profitable.
  • HIG had a positive operating cash flow in the past year.
  • HIG had positive earnings in each of the past 5 years.
  • Each year in the past 5 years HIG had a positive operating cash flow.
HIG Yearly Net Income VS EBIT VS OCF VS FCFHIG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B

1.2 Ratios

  • With a decent Return On Assets value of 4.44%, HIG is doing good in the industry, outperforming 75.68% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 20.10%, HIG belongs to the top of the industry, outperforming 83.78% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 4.62%, HIG is doing good in the industry, outperforming 68.92% of the companies in the same industry.
  • HIG had an Average Return On Invested Capital over the past 3 years of 4.02%. This is significantly below the industry average of 9.34%.
  • The last Return On Invested Capital (4.62%) for HIG is above the 3 year average (4.02%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.44%
ROE 20.1%
ROIC 4.62%
ROA(3y)3.83%
ROA(5y)3.4%
ROE(3y)18.36%
ROE(5y)16.27%
ROIC(3y)4.02%
ROIC(5y)3.62%
HIG Yearly ROA, ROE, ROICHIG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • HIG has a Profit Margin of 13.47%. This is in the better half of the industry: HIG outperforms 72.97% of its industry peers.
  • In the last couple of years the Profit Margin of HIG has grown nicely.
  • HIG has a Operating Margin of 17.34%. This is in the better half of the industry: HIG outperforms 68.24% of its industry peers.
  • HIG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 17.34%
PM (TTM) 13.47%
GM N/A
OM growth 3Y15.82%
OM growth 5Y7.64%
PM growth 3Y18.79%
PM growth 5Y9.97%
GM growth 3YN/A
GM growth 5YN/A
HIG Yearly Profit, Operating, Gross MarginsHIG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

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4

2. HIG Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HIG is destroying value.
  • Compared to 1 year ago, HIG has less shares outstanding
  • HIG has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HIG has an improved debt to assets ratio.
HIG Yearly Shares OutstandingHIG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
HIG Yearly Total Debt VS Total AssetsHIG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of HIG is 0.76, which is an excellent value as it means it would take HIG, only 0.76 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of HIG (0.76) is better than 72.97% of its industry peers.
  • A Debt/Equity ratio of 0.23 indicates that HIG is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.23, HIG is doing good in the industry, outperforming 65.54% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACC0.55
WACC8.44%
HIG Yearly LT Debt VS Equity VS FCFHIG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HIG Yearly Current Assets VS Current LiabilitesHIG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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4

3. HIG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 30.46% over the past year.
  • HIG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.40% yearly.
  • The Revenue has been growing slightly by 6.93% in the past year.
  • HIG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.69% yearly.
EPS 1Y (TTM)30.46%
EPS 3Y21.17%
EPS 5Y18.4%
EPS Q2Q%38.1%
Revenue 1Y (TTM)6.93%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.69%

3.2 Future

  • HIG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.62% yearly.
  • The Revenue is expected to grow by 4.71% on average over the next years.
EPS Next Y1.04%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue Next Year5.33%
Revenue Next 2Y4.72%
Revenue Next 3Y4.71%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
HIG Yearly Revenue VS EstimatesHIG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B
HIG Yearly EPS VS EstimatesHIG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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5

4. HIG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.97 indicates a reasonable valuation of HIG.
  • Compared to the rest of the industry, the Price/Earnings ratio of HIG is on the same level as its industry peers.
  • HIG is valuated cheaply when we compare the Price/Earnings ratio to 25.50, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.87, the valuation of HIG can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HIG is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of HIG to the average of the S&P500 Index (22.67), we can say HIG is valued rather cheaply.
Industry RankSector Rank
PE 9.97
Fwd PE 9.87
HIG Price Earnings VS Forward Price EarningsHIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HIG indicates a somewhat cheap valuation: HIG is cheaper than 74.32% of the companies listed in the same industry.
  • HIG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HIG is cheaper than 60.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.43
EV/EBITDA 5.32
HIG Per share dataHIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HIG does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of HIG may justify a higher PE ratio.
PEG (NY)9.63
PEG (5Y)0.54
EPS Next 2Y4.51%
EPS Next 3Y5.62%

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6

5. HIG Dividend Analysis

5.1 Amount

  • HIG has a Yearly Dividend Yield of 1.83%.
  • HIG's Dividend Yield is comparable with the industry average which is at 2.84.
  • Compared to an average S&P500 Dividend Yield of 1.89, HIG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.83%

5.2 History

  • The dividend of HIG is nicely growing with an annual growth rate of 10.28%!
  • HIG has paid a dividend for at least 10 years, which is a reliable track record.
  • HIG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.28%
Div Incr Years12
Div Non Decr Years15
HIG Yearly Dividends per shareHIG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 16.07% of the earnings are spent on dividend by HIG. This is a low number and sustainable payout ratio.
  • The dividend of HIG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.07%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
HIG Yearly Income VS Free CF VS DividendHIG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B
HIG Dividend Payout.HIG Dividend Payout, showing the Payout Ratio.HIG Dividend Payout.PayoutRetained Earnings

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HIG Fundamentals: All Metrics, Ratios and Statistics

HARTFORD INSURANCE GROUP INC

NYSE:HIG (3/25/2026, 4:20:03 PM)

After market: 134.1 0 (0%)

134.1

-1.31 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners96.1%
Inst Owner Change28.28%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap36.99B
Revenue(TTM)28.33B
Net Income(TTM)3.81B
Analysts72.14
Price Target154.24 (15.02%)
Short Float %2.6%
Short Ratio4.38
Dividend
Industry RankSector Rank
Dividend Yield 1.83%
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP16.07%
Div Incr Years12
Div Non Decr Years15
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.72%
Min EPS beat(2)16.45%
Max EPS beat(2)24.99%
EPS beat(4)4
Avg EPS beat(4)15.58%
Min EPS beat(4)1.72%
Max EPS beat(4)24.99%
EPS beat(8)6
Avg EPS beat(8)9.54%
EPS beat(12)9
Avg EPS beat(12)9.36%
EPS beat(16)13
Avg EPS beat(16)12.25%
Revenue beat(2)0
Avg Revenue beat(2)-0.37%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)-0.35%
Revenue beat(4)0
Avg Revenue beat(4)-1.38%
Min Revenue beat(4)-3.21%
Max Revenue beat(4)-0.35%
Revenue beat(8)0
Avg Revenue beat(8)-1.48%
Revenue beat(12)0
Avg Revenue beat(12)-1.22%
Revenue beat(16)1
Avg Revenue beat(16)-1.18%
PT rev (1m)2.13%
PT rev (3m)6.33%
EPS NQ rev (1m)-0.18%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0.67%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 9.97
Fwd PE 9.87
P/S 1.31
P/FCF 6.43
P/OCF 6.25
P/B 1.95
P/tB 2.24
EV/EBITDA 5.32
EPS(TTM)13.45
EY10.03%
EPS(NY)13.59
Fwd EY10.13%
FCF(TTM)20.85
FCFY15.55%
OCF(TTM)21.47
OCFY16.01%
SpS102.69
BVpS68.8
TBVpS59.82
PEG (NY)9.63
PEG (5Y)0.54
Graham Number144.29
Profitability
Industry RankSector Rank
ROA 4.44%
ROE 20.1%
ROCE 5.72%
ROIC 4.62%
ROICexc 4.63%
ROICexgc 5.41%
OM 17.34%
PM (TTM) 13.47%
GM N/A
FCFM 20.31%
ROA(3y)3.83%
ROA(5y)3.4%
ROE(3y)18.36%
ROE(5y)16.27%
ROIC(3y)4.02%
ROIC(5y)3.62%
ROICexc(3y)4.02%
ROICexc(5y)3.63%
ROICexgc(3y)4.73%
ROICexgc(5y)4.29%
ROCE(3y)4.98%
ROCE(5y)4.49%
ROICexgc growth 3Y17.82%
ROICexgc growth 5Y11.33%
ROICexc growth 3Y18.66%
ROICexc growth 5Y11.44%
OM growth 3Y15.82%
OM growth 5Y7.64%
PM growth 3Y18.79%
PM growth 5Y9.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.33
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.76
Debt/EBITDA 0.56
Cap/Depr 5.8%
Cap/Sales 0.6%
Interest Coverage 23.85
Cash Conversion 75.68%
Profit Quality 150.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8.44%
ROIC/WACC0.55
Cap/Depr(3y)6.57%
Cap/Depr(5y)6.49%
Cap/Sales(3y)0.67%
Cap/Sales(5y)0.68%
Profit Quality(3y)166.21%
Profit Quality(5y)176.74%
High Growth Momentum
Growth
EPS 1Y (TTM)30.46%
EPS 3Y21.17%
EPS 5Y18.4%
EPS Q2Q%38.1%
EPS Next Y1.04%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue 1Y (TTM)6.93%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.69%
Revenue Next Year5.33%
Revenue Next 2Y4.72%
Revenue Next 3Y4.71%
Revenue Next 5YN/A
EBIT growth 1Y23.88%
EBIT growth 3Y25.37%
EBIT growth 5Y14.84%
EBIT Next Year0.97%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.19%
FCF growth 3Y14.49%
FCF growth 5Y9.24%
OCF growth 1Y0.22%
OCF growth 3Y13.9%
OCF growth 5Y9.2%

HARTFORD INSURANCE GROUP INC / HIG Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HARTFORD INSURANCE GROUP INC (HIG) stock?

ChartMill assigns a fundamental rating of 5 / 10 to HIG.


What is the valuation status of HARTFORD INSURANCE GROUP INC (HIG) stock?

ChartMill assigns a valuation rating of 5 / 10 to HARTFORD INSURANCE GROUP INC (HIG). This can be considered as Fairly Valued.


What is the profitability of HIG stock?

HARTFORD INSURANCE GROUP INC (HIG) has a profitability rating of 7 / 10.


What are the PE and PB ratios of HARTFORD INSURANCE GROUP INC (HIG) stock?

The Price/Earnings (PE) ratio for HARTFORD INSURANCE GROUP INC (HIG) is 9.97 and the Price/Book (PB) ratio is 1.95.


Can you provide the financial health for HIG stock?

The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.