HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis
USA - NYSE:HIG - US4165151048 - Common Stock
131.78 USD
-1.34 (-1.01%)
HIG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. HIG has only an average score on both its financial health and profitability. HIG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
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.
Each year in the past 5 years HIG had a positive operating cash flow.
1.2 Ratios
HIG has a Return On Assets of 4.16%. This is in the better half of the industry: HIG outperforms 77.55% of its industry peers.
With an excellent Return On Equity value of 19.17%, HIG belongs to the best of the industry, outperforming 85.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| ROIC | N/A |
ROA(3y)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of HIG (12.69%) is better than 72.79% of its industry peers.
HIG's Profit Margin has improved in the last couple of years.
HIG has a Operating Margin of 16.46%. This is in the better half of the industry: HIG outperforms 71.43% of its industry peers.
In the last couple of years the Operating Margin of HIG has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| GM | N/A |
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HIG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HIG has been reduced compared to 1 year ago.
Compared to 5 years ago, HIG has less shares outstanding
The debt/assets ratio for HIG has been reduced compared to a year ago.
2.2 Solvency
HIG has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.74, HIG is in the better half of the industry, outperforming 76.87% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that HIG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.24, HIG is in the better half of the industry, outperforming 65.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HIG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.22%, which is quite good.
The Earnings Per Share has been growing by 12.78% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.13% in the past year.
The Revenue has been growing slightly by 5.05% on average over the past years.
EPS 1Y (TTM)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%6.83%
3.2 Future
Based on estimates for the next years, HIG will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.42% on average per year.
Based on estimates for the next years, HIG will show a small growth in Revenue. The Revenue will grow by 6.51% on average per year.
EPS Next Y21.29%
EPS Next 2Y12.97%
EPS Next 3Y11.42%
EPS Next 5YN/A
Revenue Next Year8.73%
Revenue Next 2Y7.36%
Revenue Next 3Y6.51%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.69, the valuation of HIG can be described as very reasonable.
HIG's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.46. HIG is valued rather cheaply when compared to this.
HIG is valuated reasonably with a Price/Forward Earnings ratio of 10.02.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HIG is on the same level as its industry peers.
HIG is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.69 | ||
| Fwd PE | 10.02 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HIG is valued a bit cheaper than the industry average as 76.19% of the companies are valued more expensively.
HIG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HIG is cheaper than 67.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.29 | ||
| EV/EBITDA | 5.65 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.5
PEG (5Y)0.84
EPS Next 2Y12.97%
EPS Next 3Y11.42%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.80%, HIG has a reasonable but not impressive dividend return.
HIG's Dividend Yield is comparable with the industry average which is at 3.51.
HIG's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
5.2 History
On average, the dividend of HIG grows each year by 9.29%, which is quite nice.
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)9.29%
Div Incr Years12
Div Non Decr Years15
5.3 Sustainability
HIG pays out 17.08% of its income as dividend. This is a sustainable payout ratio.
The dividend of HIG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP17.08%
EPS Next 2Y12.97%
EPS Next 3Y11.42%
NYSE:HIG (11/19/2025, 2:58:20 PM)
131.78
-1.34 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners94.97%
Inst Owner Change2.79%
Ins Owners0.34%
Ins Owner Change-0.94%
Market Cap37.05B
Revenue(TTM)27.87B
Net Income(TTM)3.54B
Analysts72.31
Price Target145.58 (10.47%)
Short Float %1.6%
Short Ratio3.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
Yearly Dividend1.97
Dividend Growth(5Y)9.29%
DP17.08%
Div Incr Years12
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.8%
Min EPS beat(2)16.45%
Max EPS beat(2)19.15%
EPS beat(4)4
Avg EPS beat(4)11.97%
Min EPS beat(4)1.72%
Max EPS beat(4)19.15%
EPS beat(8)6
Avg EPS beat(8)9.46%
EPS beat(12)9
Avg EPS beat(12)9.11%
EPS beat(16)13
Avg EPS beat(16)12.64%
Revenue beat(2)0
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-1.58%
Max Revenue beat(2)-0.35%
Revenue beat(4)0
Avg Revenue beat(4)-1.66%
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)1
Avg Revenue beat(12)-0.87%
Revenue beat(16)2
Avg Revenue beat(16)-0.71%
PT rev (1m)2.94%
PT rev (3m)3.82%
EPS NQ rev (1m)0.76%
EPS NQ rev (3m)2.46%
EPS NY rev (1m)5.37%
EPS NY rev (3m)11.97%
Revenue NQ rev (1m)0.64%
Revenue NQ rev (3m)0.81%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.69 | ||
| Fwd PE | 10.02 | ||
| P/S | 1.33 | ||
| P/FCF | 6.29 | ||
| P/OCF | 6.19 | ||
| P/B | 2.01 | ||
| P/tB | 2.32 | ||
| EV/EBITDA | 5.65 |
EPS(TTM)12.33
EY9.36%
EPS(NY)13.16
Fwd EY9.98%
FCF(TTM)20.95
FCFY15.9%
OCF(TTM)21.3
OCFY16.16%
SpS99.11
BVpS65.62
TBVpS56.75
PEG (NY)0.5
PEG (5Y)0.84
Graham Number134.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| GM | N/A | ||
| FCFM | 21.14% |
ROA(3y)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)4.21%
ROCE(5y)4.01%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Debt/EBITDA | 0.59 | ||
| Cap/Depr | 3.46% | ||
| Cap/Sales | 0.35% | ||
| Interest Coverage | 22.16 | ||
| Cash Conversion | 80.98% | ||
| Profit Quality | 166.55% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.25%
ROIC/WACCN/A
Cap/Depr(3y)7.01%
Cap/Depr(5y)6.34%
Cap/Sales(3y)0.74%
Cap/Sales(5y)0.67%
Profit Quality(3y)187.16%
Profit Quality(5y)189.69%
High Growth Momentum
Growth
EPS 1Y (TTM)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
EPS Next Y21.29%
EPS Next 2Y12.97%
EPS Next 3Y11.42%
EPS Next 5YN/A
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%6.83%
Revenue Next Year8.73%
Revenue Next 2Y7.36%
Revenue Next 3Y6.51%
Revenue Next 5YN/A
EBIT growth 1Y19.55%
EBIT growth 3Y8.2%
EBIT growth 5Y5.7%
EBIT Next Year13.97%
EBIT Next 3Y7.06%
EBIT Next 5YN/A
FCF growth 1Y69.62%
FCF growth 3Y12.78%
FCF growth 5Y11.24%
OCF growth 1Y62.85%
OCF growth 3Y12.49%
OCF growth 5Y11.11%
HARTFORD INSURANCE GROUP INC / HIG FAQ
What is the ChartMill fundamental rating of HARTFORD INSURANCE GROUP INC (HIG) stock?
ChartMill assigns a fundamental rating of 5 / 10 to HIG.
Can you provide the valuation status for HARTFORD INSURANCE GROUP INC?
ChartMill assigns a valuation rating of 6 / 10 to HARTFORD INSURANCE GROUP INC (HIG). This can be considered as Fairly Valued.
How profitable is HARTFORD INSURANCE GROUP INC (HIG) stock?
HARTFORD INSURANCE GROUP INC (HIG) has a profitability rating of 5 / 10.
What is the valuation of HARTFORD INSURANCE GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for HARTFORD INSURANCE GROUP INC (HIG) is 10.69 and the Price/Book (PB) ratio is 2.01.
How financially healthy is HARTFORD INSURANCE GROUP INC?
The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.