HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation

NYSE:HIG • US4165151048

Current stock price

135.81 USD
-1 (-0.73%)
At close:
135.81 USD
0 (0%)
After Hours:

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

6

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.
  • HIG had positive earnings in each of the past 5 years.
  • Each year in the past 5 years HIG 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

  • HIG's Return On Assets of 4.68% is fine compared to the rest of the industry. HIG outperforms 74.83% of its industry peers.
  • The Return On Equity of HIG (21.39%) is better than 83.67% of its industry peers.
Industry RankSector Rank
ROA 4.68%
ROE 21.39%
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

  • Looking at the Profit Margin, with a value of 14.06%, HIG is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
  • In the last couple of years the Profit Margin of HIG has grown nicely.
  • HIG has a better Operating Margin (18.06%) than 70.75% of its industry peers.
  • In the last couple of years the Operating Margin of HIG has grown nicely.
Industry RankSector Rank
OM 18.06%
PM (TTM) 14.06%
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

  • 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.
  • 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 0.75. This is a very positive value and a sign of high solvency as it would only need 0.75 years to pay back of all of its debts.
  • HIG has a better Debt to FCF ratio (0.75) than 74.15% 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 has a better Debt to Equity ratio (0.23) than 64.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.75
Altman-Z N/A
ROIC/WACCN/A
WACC8.48%
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 41.00%, 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 6.90%.
  • 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)41%
EPS 3Y21.17%
EPS 5Y18.4%
EPS Q2Q%40.45%
Revenue 1Y (TTM)6.9%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.11%

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 5.63% on average per year.
  • HIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.70% yearly.
EPS Next Y0.99%
EPS Next 2Y4.5%
EPS Next 3Y5.63%
EPS Next 5YN/A
Revenue Next Year5.3%
Revenue Next 2Y4.71%
Revenue Next 3Y4.7%
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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5

4. HIG Valuation Analysis

4.1 Price/Earnings Ratio

  • HIG is valuated reasonably with a Price/Earnings ratio of 9.47.
  • Based on the Price/Earnings ratio, HIG is valued a bit cheaper than the industry average as 60.54% of the companies are valued more expensively.
  • HIG is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.25, the valuation of HIG can be described as very reasonable.
  • 60.54% of the companies in the same industry are more expensive than HIG, based on the Price/Forward Earnings ratio.
  • HIG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.47
Fwd PE 9.25
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

  • 76.19% of the companies in the same industry are more expensive than HIG, based on the Enterprise Value to EBITDA ratio.
  • 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 6.42
EV/EBITDA 5.12
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 HIG does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of HIG may justify a higher PE ratio.
PEG (NY)9.59
PEG (5Y)0.51
EPS Next 2Y4.5%
EPS Next 3Y5.63%

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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 1.76%.
  • Compared to an average industry Dividend Yield of 2.37, HIG has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, HIG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.76%

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 Years13
Div Non Decr Years16
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

  • 15.59% 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.
DP15.59%
EPS Next 2Y4.5%
EPS Next 3Y5.63%
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 (5/1/2026, 8:04:00 PM)

After market: 135.81 0 (0%)

135.81

-1 (-0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength36.02
Industry Growth89.44
Earnings (Last)04-23
Earnings (Next)07-27
Inst Owners96.57%
Inst Owner Change0.02%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap37.35B
Revenue(TTM)28.75B
Net Income(TTM)4.04B
Analysts71.43
Price Target153 (12.66%)
Short Float %2.05%
Short Ratio3.7
Dividend
Industry RankSector Rank
Dividend Yield 1.76%
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP15.59%
Div Incr Years13
Div Non Decr Years16
Ex-Date03-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.47%
Min EPS beat(2)-10.05%
Max EPS beat(2)24.99%
EPS beat(4)3
Avg EPS beat(4)12.64%
Min EPS beat(4)-10.05%
Max EPS beat(4)24.99%
EPS beat(8)6
Avg EPS beat(8)8.97%
EPS beat(12)9
Avg EPS beat(12)8.81%
EPS beat(16)12
Avg EPS beat(16)11.22%
Revenue beat(2)0
Avg Revenue beat(2)-1.52%
Min Revenue beat(2)-2.65%
Max Revenue beat(2)-0.39%
Revenue beat(4)0
Avg Revenue beat(4)-1.24%
Min Revenue beat(4)-2.65%
Max Revenue beat(4)-0.35%
Revenue beat(8)0
Avg Revenue beat(8)-1.5%
Revenue beat(12)0
Avg Revenue beat(12)-1.41%
Revenue beat(16)1
Avg Revenue beat(16)-1.09%
PT rev (1m)-0.59%
PT rev (3m)3.29%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)1.79%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 9.47
Fwd PE 9.25
P/S 1.3
P/FCF 6.42
P/OCF 6.24
P/B 1.98
P/tB 2.27
EV/EBITDA 5.12
EPS(TTM)14.34
EY10.56%
EPS(NY)14.69
Fwd EY10.81%
FCF(TTM)21.16
FCFY15.58%
OCF(TTM)21.75
OCFY16.02%
SpS104.54
BVpS68.68
TBVpS59.74
PEG (NY)9.59
PEG (5Y)0.51
Graham Number148.863 (9.61%)
Profitability
Industry RankSector Rank
ROA 4.68%
ROE 21.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 18.06%
PM (TTM) 14.06%
GM N/A
FCFM 20.24%
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)4.98%
ROCE(5y)4.49%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score9
Asset Turnover0.33
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.75
Debt/EBITDA 0.54
Cap/Depr 5.44%
Cap/Sales 0.56%
Interest Coverage 25.33
Cash Conversion 73.22%
Profit Quality 144.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8.48%
ROIC/WACCN/A
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)41%
EPS 3Y21.17%
EPS 5Y18.4%
EPS Q2Q%40.45%
EPS Next Y0.99%
EPS Next 2Y4.5%
EPS Next 3Y5.63%
EPS Next 5YN/A
Revenue 1Y (TTM)6.9%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.11%
Revenue Next Year5.3%
Revenue Next 2Y4.71%
Revenue Next 3Y4.7%
Revenue Next 5YN/A
EBIT growth 1Y33.32%
EBIT growth 3Y25.37%
EBIT growth 5Y14.84%
EBIT Next Year0.97%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.59%
FCF growth 3Y14.49%
FCF growth 5Y9.24%
OCF growth 1Y34.55%
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.


Can you provide the profitability details for HARTFORD INSURANCE GROUP INC?

HARTFORD INSURANCE GROUP INC (HIG) has a profitability rating of 6 / 10.


Can you provide the expected EPS growth for HIG stock?

The Earnings per Share (EPS) of HARTFORD INSURANCE GROUP INC (HIG) is expected to grow by 0.99% in the next year.


Can you provide the dividend sustainability for HIG stock?

The dividend rating of HARTFORD INSURANCE GROUP INC (HIG) is 6 / 10 and the dividend payout ratio is 15.59%.