HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis

NYSE:HIG • US4165151048

142.42 USD
+0.23 (+0.16%)
Last: Feb 23, 2026, 10:11 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall HIG gets a fundamental rating of 5 out of 10. We evaluated HIG against 150 industry peers in the Insurance industry. HIG has only an average score on both its financial health and profitability. HIG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year HIG was profitable.
  • 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 4 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

  • The Return On Assets of HIG (4.16%) is better than 77.33% of its industry peers.
  • HIG has a Return On Equity of 19.17%. This is amongst the best in the industry. HIG outperforms 84.00% of its industry peers.
Industry RankSector 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
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 12.69%. This is in the better half of the industry: HIG outperforms 70.00% of its industry peers.
  • HIG's Profit Margin has improved in the last couple of years.
  • HIG has a better Operating Margin (16.46%) than 64.67% of its industry peers.
  • HIG's Operating Margin has improved in the last couple of years.
Industry RankSector 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • HIG has a better debt/assets ratio than last year.
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 0.74, 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.
  • The Debt to FCF ratio of HIG (0.74) is better than 77.33% of its industry peers.
  • 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 better Debt to Equity ratio (0.24) than 65.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.74
Altman-Z N/A
ROIC/WACCN/A
WACC8.24%
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 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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.
  • 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

  • Based on estimates for the next years, HIG will show a small growth in Earnings Per Share. The EPS will grow by 6.24% on average per year.
  • 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 Y0.36%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
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.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.59, the valuation of HIG can be described as reasonable.
  • HIG's Price/Earnings is on the same level as the industry average.
  • HIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
  • A Price/Forward Earnings ratio of 10.55 indicates a reasonable valuation of HIG.
  • HIG's Price/Forward Earnings is on the same level as the industry average.
  • HIG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.02.
Industry RankSector Rank
PE 10.59
Fwd PE 10.55
HIG Price Earnings VS Forward Price EarningsHIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 74.67% of the companies in the same industry are more expensive than HIG, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, HIG is valued a bit cheaper than the industry average as 62.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.74
EV/EBITDA 5.95
HIG Per share dataHIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)29.12
PEG (5Y)0.58
EPS Next 2Y4.23%
EPS Next 3Y6.24%

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

6

5. Dividend

5.1 Amount

  • HIG has a Yearly Dividend Yield of 1.71%. Purely for dividend investing, there may be better candidates out there.
  • HIG's Dividend Yield is comparable with the industry average which is at 2.58.
  • Compared to an average S&P500 Dividend Yield of 1.81, HIG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.71%

5.2 History

  • The dividend of HIG is nicely growing with an annual growth rate of 9.29%!
  • 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
HIG Yearly Dividends per shareHIG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • 17.08% 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.
DP17.08%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
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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Find the best dividend stocksShow peers with best dividend

HARTFORD INSURANCE GROUP INC

NYSE:HIG (2/23/2026, 10:11:09 AM)

142.42

+0.23 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners95.17%
Inst Owner Change28.27%
Ins Owners0.32%
Ins Owner Change5.52%
Market Cap39.72B
Revenue(TTM)28.33B
Net Income(TTM)3.54B
Analysts72.14
Price Target151.01 (6.03%)
Short Float %1.8%
Short Ratio3.21
Dividend
Industry RankSector Rank
Dividend Yield 1.71%
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)1.74%
PT rev (3m)4.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.37%
EPS NY rev (1m)0.58%
EPS NY rev (3m)2.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)-0.55%
Valuation
Industry RankSector Rank
PE 10.59
Fwd PE 10.55
P/S 1.43
P/FCF 6.74
P/OCF 6.63
P/B 2.15
P/tB 2.49
EV/EBITDA 5.95
EPS(TTM)13.45
EY9.44%
EPS(NY)13.5
Fwd EY9.48%
FCF(TTM)21.12
FCFY14.83%
OCF(TTM)21.47
OCFY15.08%
SpS99.92
BVpS66.15
TBVpS57.21
PEG (NY)29.12
PEG (5Y)0.58
Graham Number141.49
Profitability
Industry RankSector 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 RankSector 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
WACC8.24%
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 Year5.33%
Revenue Next 2Y4.72%
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 10.59 and the Price/Book (PB) ratio is 2.15.


Can you provide the financial health for HIG stock?

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