HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation
NYSE:HIG • US4165151048
134.41 USD
-0.55 (-0.41%)
At close: Mar 12, 2026
134.41 USD
0 (0%)
After Hours: 3/12/2026, 8:04:00 PM
This HIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 5 out of 10 to HIG. HIG was compared to 149 industry peers in the Insurance industry. HIG scores excellent on profitability, but there are some minor concerns on its financial health. HIG is not valued too expensively and it also shows a decent growth rate.
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.
- Each year in the past 5 years HIG has been profitable.
- Each year in the past 5 years HIG had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 4.44%, HIG is doing good in the industry, outperforming 77.85% of the companies in the same industry.
- HIG has a better Return On Equity (20.10%) than 85.23% of its industry peers.
- The Return On Invested Capital of HIG (4.62%) is better than 71.14% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for HIG is significantly below the industry average of 15.25%.
- 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 Rank | Sector 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%
1.3 Margins
- With a decent Profit Margin value of 13.47%, HIG is doing good in the industry, outperforming 73.83% of the companies in the same industry.
- In the last couple of years the Profit Margin of HIG has grown nicely.
- The Operating Margin of HIG (17.34%) is better than 70.47% of its industry peers.
- HIG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
- HIG has less shares outstanding than it did 1 year ago.
- HIG has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, HIG has an improved debt to assets ratio.
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.
- With a decent Debt to FCF ratio value of 0.76, HIG is doing good in the industry, outperforming 74.50% of the companies in the same industry.
- HIG has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.23, HIG is in the better half of the industry, outperforming 66.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.56
WACC8.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- Measured over the past years, HIG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.40% on average per year.
- The Revenue has been growing slightly by 6.93% in the past year.
- The Revenue has been growing slightly by 6.69% on average over the past years.
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
- The Earnings Per Share is expected to grow by 5.62% on average over the next years.
- 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. HIG Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.99 indicates a reasonable valuation of HIG.
- The rest of the industry has a similar Price/Earnings ratio as HIG.
- The average S&P500 Price/Earnings ratio is at 25.71. HIG is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 9.89, which indicates a very decent valuation of HIG.
- HIG's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of HIG to the average of the S&P500 Index (23.82), we can say HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 9.89 |
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 75.17% of the companies listed in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.45 | ||
| EV/EBITDA | 5.28 |
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)9.65
PEG (5Y)0.54
EPS Next 2Y4.51%
EPS Next 3Y5.62%
5. HIG Dividend Analysis
5.1 Amount
- HIG has a Yearly Dividend Yield of 1.72%.
- HIG's Dividend Yield is comparable with the industry average which is at 2.89.
- Compared to an average S&P500 Dividend Yield of 1.82, HIG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
5.2 History
- On average, the dividend of HIG grows each year by 10.28%, 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 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
5.3 Sustainability
- HIG pays out 16.07% of its income as dividend. This is a 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 Fundamentals: All Metrics, Ratios and Statistics
134.41
-0.55 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-22 2026-04-22/amc
Inst Owners96.1%
Inst Owner Change28.28%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap37.08B
Revenue(TTM)28.33B
Net Income(TTM)3.81B
Analysts72.14
Price Target154.24 (14.75%)
Short Float %2.07%
Short Ratio3.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP16.07%
Div Incr Years12
Div Non Decr Years15
Ex-Date03-02 2026-03-02 (0.6)
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)0.74%
EPS NQ rev (3m)1.46%
EPS NY rev (1m)0.67%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 9.89 | ||
| P/S | 1.31 | ||
| P/FCF | 6.45 | ||
| P/OCF | 6.26 | ||
| P/B | 1.95 | ||
| P/tB | 2.25 | ||
| EV/EBITDA | 5.28 |
EPS(TTM)13.45
EY10.01%
EPS(NY)13.59
Fwd EY10.11%
FCF(TTM)20.85
FCFY15.52%
OCF(TTM)21.47
OCFY15.97%
SpS102.69
BVpS68.8
TBVpS59.82
PEG (NY)9.65
PEG (5Y)0.54
Graham Number144.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.32%
ROIC/WACC0.56
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 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 9.99 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.