HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation

NYSE:HIG • US4165151048

140.65 USD
-1.52 (-1.07%)
Last: Mar 5, 2026, 12:48 PM
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This HIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall HIG gets a fundamental rating of 4 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. HIG Profitability Analysis

1.1 Basic Checks

  • HIG had positive earnings in the past year.
  • HIG had a positive operating cash flow in the past year.
  • In the past 5 years HIG has always been profitable.
  • Of the past 5 years HIG 4 years had a positive operating cash flow.
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 76.51% of its industry peers.
  • HIG has a better Return On Equity (19.17%) than 82.55% 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 better Profit Margin (12.69%) than 72.48% of its industry peers.
  • HIG's Profit Margin has improved in the last couple of years.
  • HIG's Operating Margin of 16.46% is fine compared to the rest of the industry. HIG outperforms 68.46% 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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4

2. HIG Health Analysis

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.
  • The number of shares outstanding for HIG has been reduced compared to 5 years ago.
  • Compared to 1 year ago, HIG has an improved debt to assets ratio.
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 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.
  • HIG's Debt to FCF ratio of 0.74 is fine compared to the rest of the industry. HIG outperforms 76.51% of its industry peers.
  • A Debt/Equity ratio of 0.24 indicates that HIG is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.24, HIG is in the better half of the industry, outperforming 65.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.74
Altman-Z N/A
ROIC/WACCN/A
WACC8.23%
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. 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.
  • Looking at the last year, HIG shows a small growth in Revenue. The Revenue has grown by 6.93% in the last 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

  • 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

  • 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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4

4. HIG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.46, the valuation of HIG can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as HIG.
  • The average S&P500 Price/Earnings ratio is at 27.03. HIG is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 10.42, the valuation of HIG can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as HIG.
  • The average S&P500 Price/Forward Earnings ratio is at 25.11. HIG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.46
Fwd PE 10.42
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 73.83% of the companies 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 RankSector Rank
P/FCF 6.66
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 HIG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)28.76
PEG (5Y)0.57
EPS Next 2Y4.23%
EPS Next 3Y6.24%

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

6

5. HIG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.70%, HIG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.50, HIG has a dividend in line with its industry peers.
  • HIG's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.7%

5.2 History

  • On average, the dividend of HIG grows each year by 10.28%, which is quite nice.
  • HIG has paid a dividend for at least 10 years, which is 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 17.08% 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.
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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HIG Fundamentals: All Metrics, Ratios and Statistics

HARTFORD INSURANCE GROUP INC

NYSE:HIG (3/5/2026, 12:48:07 PM)

140.65

-1.52 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners95.17%
Inst Owner Change28.28%
Ins Owners0.32%
Ins Owner Change6.69%
Market Cap39.23B
Revenue(TTM)28.33B
Net Income(TTM)3.54B
Analysts72.14
Price Target154.24 (9.66%)
Short Float %2.07%
Short Ratio3.69
Dividend
Industry RankSector Rank
Dividend Yield 1.7%
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP17.08%
Div Incr Years12
Div Non Decr Years15
Ex-Date03-02
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)3.91%
PT rev (3m)6.86%
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 10.46
Fwd PE 10.42
P/S 1.41
P/FCF 6.66
P/OCF 6.55
P/B 2.13
P/tB 2.46
EV/EBITDA 5.95
EPS(TTM)13.45
EY9.56%
EPS(NY)13.5
Fwd EY9.6%
FCF(TTM)21.12
FCFY15.02%
OCF(TTM)21.47
OCFY15.26%
SpS99.92
BVpS66.15
TBVpS57.21
PEG (NY)28.76
PEG (5Y)0.57
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
WACC8.23%
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 4 / 10 to HIG.


What is the valuation status of HARTFORD INSURANCE GROUP INC (HIG) stock?

ChartMill assigns a valuation rating of 4 / 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 10.46 and the Price/Book (PB) ratio is 2.13.


Can you provide the financial health for HIG stock?

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