HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation

NYSE:HIG • US4165151048

Current stock price

137.61 USD
+1.85 (+1.36%)
Last:

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

  • HIG had positive earnings in the past year.
  • In the past year HIG had a positive cash flow from operations.
  • HIG had positive earnings in each of the past 5 years.
  • HIG had a positive operating cash flow in each of the past 5 years.
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

  • HIG has a better Return On Assets (4.44%) than 75.68% of its industry peers.
  • HIG has a better Return On Equity (20.10%) than 83.78% of its industry peers.
  • With a decent Return On Invested Capital value of 4.62%, HIG is doing good in the industry, outperforming 70.27% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for HIG is significantly below the industry average of 9.46%.
  • The 3 year average ROIC (4.02%) for HIG is below the current ROIC(4.62%), indicating increased profibility in the last year.
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

  • The Profit Margin of HIG (13.47%) is better than 72.97% of its industry peers.
  • In the last couple of years the Profit Margin of HIG has grown nicely.
  • With a decent Operating Margin value of 17.34%, HIG is doing good in the industry, outperforming 69.59% of the companies in the same industry.
  • 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
  • The number of shares outstanding for HIG has been reduced compared to 5 years ago.
  • The debt/assets ratio for HIG has been reduced compared to a year ago.
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

  • HIG has a debt to FCF ratio of 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.76, HIG is in the better half of the industry, outperforming 72.30% of the companies in the same industry.
  • A Debt/Equity ratio of 0.23 indicates that HIG is not too dependend on debt financing.
  • HIG's Debt to Equity ratio of 0.23 is fine compared to the rest of the industry. HIG outperforms 65.54% of its industry peers.
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

  • HIG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.46%, which is quite impressive.
  • The Earnings Per Share has been growing by 18.40% on average over the past years. This is quite good.
  • HIG shows a small growth in Revenue. In the last year, the Revenue has grown by 6.93%.
  • Measured over the past years, HIG shows a small growth in Revenue. The Revenue has been growing by 6.69% on average per year.
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.
  • Based on estimates for the next years, HIG will show a small growth in Revenue. The Revenue will grow by 4.71% on average per year.
EPS Next Y1.04%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue Next Year5.31%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • With a Price/Earnings ratio of 10.23, the valuation of HIG can be described as very reasonable.
  • HIG's Price/Earnings ratio is in line with the industry average.
  • HIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.21.
  • Based on the Price/Forward Earnings ratio of 10.13, the valuation of HIG can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as HIG.
  • HIG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.10.
Industry RankSector Rank
PE 10.23
Fwd PE 10.13
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

  • 75.00% of the companies in the same industry are more expensive than HIG, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HIG is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 6.6
EV/EBITDA 5.33
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.
  • HIG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)9.88
PEG (5Y)0.56
EPS Next 2Y4.51%
EPS Next 3Y5.62%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. HIG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.81%, HIG has a reasonable but not impressive dividend return.
  • HIG's Dividend Yield is comparable with the industry average which is at 2.55.
  • 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 1.81%

5.2 History

  • The dividend of HIG is nicely growing with an annual growth rate of 10.28%!
  • HIG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • HIG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.28%
Div Incr Years13
Div Non Decr Years16
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 (4/8/2026, 12:40:07 PM)

137.61

+1.85 (+1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners96.1%
Inst Owner Change0%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap37.96B
Revenue(TTM)28.33B
Net Income(TTM)3.81B
Analysts71.43
Price Target154.24 (12.08%)
Short Float %2.11%
Short Ratio3.55
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP16.07%
Div Incr Years13
Div Non Decr Years16
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)0%
PT rev (3m)5.63%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)0%
EPS NY rev (3m)1.35%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)-0.5%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 10.23
Fwd PE 10.13
P/S 1.34
P/FCF 6.6
P/OCF 6.41
P/B 2
P/tB 2.3
EV/EBITDA 5.33
EPS(TTM)13.45
EY9.77%
EPS(NY)13.59
Fwd EY9.88%
FCF(TTM)20.85
FCFY15.16%
OCF(TTM)21.47
OCFY15.6%
SpS102.69
BVpS68.8
TBVpS59.82
PEG (NY)9.88
PEG (5Y)0.56
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 Year5.31%
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.


Can you provide the profitability details for HARTFORD INSURANCE GROUP INC?

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


Can you provide the expected EPS growth for HIG stock?

The Earnings per Share (EPS) of HARTFORD INSURANCE GROUP INC (HIG) is expected to grow by 1.04% in the next year.


Can you provide the dividend sustainability for HIG stock?

The dividend rating of HARTFORD INSURANCE GROUP INC (HIG) is 6 / 10 and the dividend payout ratio is 16.07%.