HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HIG - US4165151048 - Common Stock
130.82 USD
-1.11 (-0.84%)
130.82 USD
0 (0%)
Overall HIG gets a fundamental rating of 5 out of 10. We evaluated HIG against 146 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.
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 each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.16%, HIG is in the better half of the industry, outperforming 78.08% of the companies in the same industry.
- With an excellent Return On Equity value of 19.17%, HIG belongs to the best of the industry, outperforming 84.93% 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
- With a decent Profit Margin value of 12.69%, HIG is doing good in the industry, outperforming 69.86% of the companies in the same industry.
- HIG's Profit Margin has improved in the last couple of years.
- The Operating Margin of HIG (16.46%) is better than 65.07% 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.
- HIG has less shares outstanding than it did 5 years ago.
- HIG has a better debt/assets ratio than last year.
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 77.40% 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.
- With a decent Debt to Equity ratio value of 0.24, HIG is doing good in the industry, outperforming 64.38% 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
WACC8.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 18.22% over the past year.
- The Earnings Per Share has been growing by 12.78% 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 7.13%.
- HIG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.05% yearly.
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 10.29% on average per year.
- The Revenue is expected to grow by 6.29% on average over the next years.
EPS Next Y23.18%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
EPS Next 5Y10.29%
Revenue Next Year8.84%
Revenue Next 2Y7.24%
Revenue Next 3Y6.29%
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 stable.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.61, the valuation of HIG can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of HIG is on the same level as its industry peers.
- HIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.33.
- HIG is valuated reasonably with a Price/Forward Earnings ratio of 9.76.
- HIG's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.61 | ||
| Fwd PE | 9.76 |
4.2 Price Multiples
- HIG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. HIG is cheaper than 74.66% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of HIG indicates a somewhat cheap valuation: HIG is cheaper than 63.01% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.19 | ||
| EV/EBITDA | 5.56 |
4.3 Compensation for Growth
- HIG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- HIG's earnings are expected to grow with 12.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)0.83
EPS Next 2Y14.04%
EPS Next 3Y12.07%
5. Dividend
5.1 Amount
- HIG has a Yearly Dividend Yield of 1.74%. Purely for dividend investing, there may be better candidates out there.
- HIG's Dividend Yield is comparable with the industry average which is at 2.42.
- Compared to an average S&P500 Dividend Yield of 1.91, HIG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
- The dividend of HIG is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP17.08%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
130.82
-1.11 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners95.17%
Inst Owner Change0.05%
Ins Owners0.32%
Ins Owner Change-0.69%
Market Cap36.45B
Revenue(TTM)27.87B
Net Income(TTM)3.54B
Analysts72.14
Price Target146.01 (11.61%)
Short Float %1.97%
Short Ratio3.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
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)0.66%
PT rev (3m)3.25%
EPS NQ rev (1m)0.68%
EPS NQ rev (3m)2.51%
EPS NY rev (1m)0.17%
EPS NY rev (3m)7%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.61 | ||
| Fwd PE | 9.76 | ||
| P/S | 1.31 | ||
| P/FCF | 6.19 | ||
| P/OCF | 6.09 | ||
| P/B | 1.98 | ||
| P/tB | 2.28 | ||
| EV/EBITDA | 5.56 |
EPS(TTM)12.33
EY9.43%
EPS(NY)13.41
Fwd EY10.25%
FCF(TTM)21.14
FCFY16.16%
OCF(TTM)21.49
OCFY16.43%
SpS100.01
BVpS66.21
TBVpS57.26
PEG (NY)0.46
PEG (5Y)0.83
Graham Number135.53
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
WACC8.3%
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 Y23.18%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
EPS Next 5Y10.29%
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%6.83%
Revenue Next Year8.84%
Revenue Next 2Y7.24%
Revenue Next 3Y6.29%
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.
What is the valuation status of HARTFORD INSURANCE GROUP INC (HIG) stock?
ChartMill assigns a valuation rating of 6 / 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 10.61 and the Price/Book (PB) ratio is 1.98.
Can you provide the financial health for HIG stock?
The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.