HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation

NYSE:HIG • US4165151048

Current stock price

133.12 USD
-2.21 (-1.63%)
Last:

This HIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. HIG Profitability Analysis

1.1 Basic Checks

  • In the past year HIG was profitable.
  • In the past year HIG had a positive cash flow from operations.
  • In the past 5 years HIG has always been profitable.
  • In the past 5 years HIG always reported a positive cash flow from operatings.
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 (4.44%) is better than 77.70% of its industry peers.
  • HIG has a Return On Equity of 20.10%. This is amongst the best in the industry. HIG outperforms 85.14% of its industry peers.
  • HIG has a Return On Invested Capital of 4.62%. This is in the better half of the industry: HIG outperforms 70.95% of its industry peers.
  • HIG had an Average Return On Invested Capital over the past 3 years of 4.02%. This is significantly below the industry average of 15.41%.
  • 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 RankSector 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%
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's Profit Margin of 13.47% is fine compared to the rest of the industry. HIG outperforms 73.65% of its industry peers.
  • HIG's Profit Margin has improved in the last couple of years.
  • HIG has a better Operating Margin (17.34%) than 70.27% of its industry peers.
  • In the last couple of years the Operating Margin of HIG has grown nicely.
Industry RankSector 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
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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4

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.
  • The number of shares outstanding for HIG has been reduced compared to 1 year ago.
  • The number of shares outstanding for HIG has been reduced compared to 5 years ago.
  • The debt/assets ratio for HIG has been reduced compared to a year ago.
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

  • HIG has a debt to FCF ratio of 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
  • HIG's Debt to FCF ratio of 0.76 is fine compared to the rest of the industry. HIG outperforms 74.32% of its industry peers.
  • HIG has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • HIG's Debt to Equity ratio of 0.23 is fine compared to the rest of the industry. HIG outperforms 66.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACC0.55
WACC8.34%
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 2025 200M 400M 600M

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

4

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.
  • HIG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.40% yearly.
  • 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

  • Based on estimates for the next years, HIG will show a small growth in Earnings Per Share. The EPS will grow by 5.62% 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 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

  • 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.
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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5

4. HIG Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.90, the valuation of HIG can be described as reasonable.
  • HIG's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.11. HIG is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.80, the valuation of HIG can be described as reasonable.
  • HIG's Price/Forward Earnings ratio is in line with the industry average.
  • HIG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.12.
Industry RankSector Rank
PE 9.9
Fwd PE 9.8
HIG Price Earnings VS Forward Price EarningsHIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • HIG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. HIG is cheaper than 75.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, HIG is valued a bit cheaper than 60.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.38
EV/EBITDA 5.31
HIG Per share dataHIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • HIG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)9.56
PEG (5Y)0.54
EPS Next 2Y4.51%
EPS Next 3Y5.62%

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

6

5. HIG Dividend Analysis

5.1 Amount

  • HIG has a Yearly Dividend Yield of 1.79%.
  • HIG's Dividend Yield is comparable with the industry average which is at 2.94.
  • HIG's Dividend Yield is comparable with the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 1.79%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.28%
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 2026 0.5 1 1.5 2

5.3 Sustainability

  • HIG pays out 16.07% of its income as dividend. This is a sustainable payout ratio.
  • HIG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP16.07%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
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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HIG Fundamentals: All Metrics, Ratios and Statistics

HARTFORD INSURANCE GROUP INC

NYSE:HIG (3/18/2026, 3:12:59 PM)

133.12

-2.21 (-1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners96.1%
Inst Owner Change28.28%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap36.72B
Revenue(TTM)28.33B
Net Income(TTM)3.81B
Analysts72.14
Price Target154.24 (15.87%)
Short Float %2.6%
Short Ratio4.38
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP16.07%
Div Incr Years12
Div Non Decr Years15
Ex-Date03-02
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)-0.18%
EPS NQ rev (3m)1.46%
EPS NY rev (1m)0.67%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 9.9
Fwd PE 9.8
P/S 1.3
P/FCF 6.38
P/OCF 6.2
P/B 1.93
P/tB 2.23
EV/EBITDA 5.31
EPS(TTM)13.45
EY10.1%
EPS(NY)13.59
Fwd EY10.21%
FCF(TTM)20.85
FCFY15.67%
OCF(TTM)21.47
OCFY16.13%
SpS102.69
BVpS68.8
TBVpS59.82
PEG (NY)9.56
PEG (5Y)0.54
Graham Number144.29
Profitability
Industry RankSector 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 RankSector 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
WACC8.34%
ROIC/WACC0.55
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 Fundamental Analysis 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 9.9 and the Price/Book (PB) ratio is 1.93.


Can you provide the financial health for HIG stock?

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