HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:HIG • US4165151048
141.63 USD
+2.25 (+1.61%)
At close: Feb 10, 2026
141.63 USD
0 (0%)
After Hours: 2/10/2026, 8:12:35 PM
Overall HIG gets a fundamental rating of 5 out of 10. We evaluated HIG against 149 industry peers in the Insurance industry. HIG has only an average score on both its financial health and profitability. HIG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- HIG had positive earnings in the past year.
- HIG had a positive operating cash flow in the past year.
- Each year in the past 5 years HIG has been profitable.
- HIG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- HIG's Return On Assets of 4.16% is fine compared to the rest of the industry. HIG outperforms 77.85% of its industry peers.
- HIG has a better Return On Equity (19.17%) than 84.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| ROIC | N/A |
ROA(3y)3.83%
ROA(5y)3.4%
ROE(3y)18.36%
ROE(5y)16.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- HIG has a better Profit Margin (12.69%) than 69.80% of its industry peers.
- HIG's Profit Margin has improved in the last couple of years.
- The Operating Margin of HIG (16.46%) is better than 63.76% of its industry peers.
- In the last couple of years the Operating Margin of HIG has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| GM | N/A |
OM growth 3Y16.18%
OM growth 5Y7.84%
PM growth 3Y18.79%
PM growth 5Y9.97%
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.
- HIG has less shares outstanding than it did 1 year ago.
- HIG has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for HIG has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of HIG is 0.74, which is an excellent value as it means it would take HIG, only 0.74 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 0.74, HIG is doing good in the industry, outperforming 77.85% of the companies in the same industry.
- HIG has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
- HIG has a Debt to Equity ratio of 0.24. This is in the better half of the industry: HIG outperforms 65.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.37%
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 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.
- Looking at the last year, HIG shows a small growth in Revenue. The Revenue has grown by 6.93% in the last 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 6.24% yearly.
- HIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.71% yearly.
EPS Next Y0.36%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
EPS Next 5YN/A
Revenue Next Year5.46%
Revenue Next 2Y4.87%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.53, which indicates a very decent valuation of HIG.
- HIG's Price/Earnings ratio is a bit cheaper when compared to the industry. HIG is cheaper than 60.40% of the companies in the same industry.
- HIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
- The Price/Forward Earnings ratio is 10.49, which indicates a very decent valuation of HIG.
- The rest of the industry has a similar Price/Forward Earnings ratio as HIG.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.53 | ||
| Fwd PE | 10.49 |
4.2 Price Multiples
- HIG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. HIG is cheaper than 74.50% of the companies in the same industry.
- HIG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HIG is cheaper than 62.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.7 | ||
| EV/EBITDA | 5.84 |
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.
PEG (NY)28.96
PEG (5Y)0.57
EPS Next 2Y4.23%
EPS Next 3Y6.24%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.69%, HIG has a reasonable but not impressive dividend return.
- HIG's Dividend Yield is comparable with the industry average which is at 2.24.
- HIG's Dividend Yield is comparable with the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
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
- 17.08% of the earnings are spent on dividend by HIG. This is a low number and sustainable payout ratio.
- HIG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP17.08%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
141.63
+2.25 (+1.61%)
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 Owners95.17%
Inst Owner Change27.43%
Ins Owners0.32%
Ins Owner Change-1.26%
Market Cap39.47B
Revenue(TTM)28.33B
Net Income(TTM)3.54B
Analysts72.14
Price Target151.01 (6.62%)
Short Float %1.83%
Short Ratio3.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
Yearly Dividend1.97
Dividend Growth(5Y)9.29%
DP17.08%
Div Incr Years12
Div Non Decr Years15
Ex-DateN/A
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)3.42%
PT rev (3m)3.73%
EPS NQ rev (1m)1.07%
EPS NQ rev (3m)2.13%
EPS NY rev (1m)0.67%
EPS NY rev (3m)2.6%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.53 | ||
| Fwd PE | 10.49 | ||
| P/S | 1.42 | ||
| P/FCF | 6.7 | ||
| P/OCF | 6.59 | ||
| P/B | 2.14 | ||
| P/tB | 2.47 | ||
| EV/EBITDA | 5.84 |
EPS(TTM)13.45
EY9.5%
EPS(NY)13.5
Fwd EY9.53%
FCF(TTM)21.14
FCFY14.93%
OCF(TTM)21.49
OCFY15.17%
SpS100.01
BVpS66.21
TBVpS57.26
PEG (NY)28.96
PEG (5Y)0.57
Graham Number141.55
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)3.83%
ROA(5y)3.4%
ROE(3y)18.36%
ROE(5y)16.27%
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)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y16.18%
OM growth 5Y7.84%
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 | 0.24 | ||
| 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
WACC8.37%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.46%
EPS 3Y21.17%
EPS 5Y18.4%
EPS Q2Q%38.1%
EPS Next Y0.36%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
EPS Next 5YN/A
Revenue 1Y (TTM)6.93%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.69%
Revenue Next Year5.46%
Revenue Next 2Y4.87%
Revenue Next 3Y4.71%
Revenue Next 5YN/A
EBIT growth 1Y19.55%
EBIT growth 3Y25.76%
EBIT growth 5Y15.05%
EBIT Next Year0.97%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y5.76%
OCF growth 3YN/A
OCF growth 5YN/A
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 5 / 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 10.53 and the Price/Book (PB) ratio is 2.14.
Can you provide the financial health for HIG stock?
The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.