HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation

NYSE:HIG • US4165151048

Current stock price

138.38 USD
-0.39 (-0.28%)
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

  • HIG had positive earnings in the past year.
  • HIG had a positive operating cash flow in the past year.
  • Each year in the past 5 years HIG has been profitable.
  • 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 has a Return On Assets of 4.44%. This is in the better half of the industry: HIG outperforms 75.68% of its industry peers.
  • With an excellent Return On Equity value of 20.10%, HIG belongs to the best of the industry, outperforming 82.43% of the companies in the same industry.
  • HIG's Return On Invested Capital of 4.62% is fine compared to the rest of the industry. HIG outperforms 70.27% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for HIG is significantly below the industry average of 9.50%.
  • 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 has a Profit Margin of 13.47%. This is in the better half of the industry: HIG outperforms 70.27% of its industry peers.
  • In the last couple of years the Profit Margin of HIG has grown nicely.
  • HIG's Operating Margin of 17.34% is fine compared to the rest of the industry. HIG outperforms 69.59% 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

  • HIG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, HIG has less shares outstanding
  • The number of shares outstanding for HIG has been reduced compared to 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 0.76, which is an excellent value as it means it would take HIG, only 0.76 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.76, HIG is in the better half of the industry, outperforming 72.30% of the companies in the same industry.
  • A Debt/Equity ratio of 0.23 indicates that HIG is not too dependend on debt financing.
  • The Debt to Equity ratio of HIG (0.23) is better than 65.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACC0.55
WACC8.41%
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

  • The Earnings Per Share has grown by an impressive 30.46% over the past year.
  • HIG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.40% yearly.
  • HIG shows a small growth in Revenue. In the last year, the Revenue has grown by 6.93%.
  • 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

  • The Earnings Per Share is expected to grow by 5.63% on average over the next years.
  • 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 Y0.99%
EPS Next 2Y4.5%
EPS Next 3Y5.63%
EPS Next 5YN/A
Revenue Next Year5.31%
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.
  • 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 10.29, 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.
  • When comparing the Price/Earnings ratio of HIG to the average of the S&P500 Index (27.33), we can say HIG is valued rather cheaply.
  • HIG is valuated reasonably with a Price/Forward Earnings ratio of 10.19.
  • HIG's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of HIG to the average of the S&P500 Index (38.16), we can say HIG is valued rather cheaply.
Industry RankSector Rank
PE 10.29
Fwd PE 10.19
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

  • 76.35% 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 60.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.64
EV/EBITDA 5.43
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.
  • The decent profitability rating of HIG may justify a higher PE ratio.
PEG (NY)10.42
PEG (5Y)0.56
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 1.71%.
  • HIG's Dividend Yield is comparable with the industry average which is at 2.44.
  • HIG's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.71%

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 their dividend for at least 10 years, which is a reliable track record.
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

  • 16.07% of the earnings are spent on dividend by HIG. This is a low number and sustainable payout ratio.
  • HIG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP16.07%
EPS Next 2Y4.5%
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 (4/15/2026, 11:27:21 AM)

138.38

-0.39 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners96.57%
Inst Owner Change0.01%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap38.17B
Revenue(TTM)28.33B
Net Income(TTM)3.81B
Analysts71.43
Price Target153.48 (10.91%)
Short Float %1.86%
Short Ratio3.21
Dividend
Industry RankSector Rank
Dividend Yield 1.71%
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP16.07%
Div Incr Years13
Div Non Decr Years16
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)-0.49%
PT rev (3m)5.12%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)1.47%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)1.3%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)-0.5%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 10.29
Fwd PE 10.19
P/S 1.35
P/FCF 6.64
P/OCF 6.45
P/B 2.01
P/tB 2.31
EV/EBITDA 5.43
EPS(TTM)13.45
EY9.72%
EPS(NY)13.58
Fwd EY9.82%
FCF(TTM)20.85
FCFY15.07%
OCF(TTM)21.47
OCFY15.51%
SpS102.69
BVpS68.8
TBVpS59.82
PEG (NY)10.42
PEG (5Y)0.56
Graham Number144.293 (4.27%)
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
WACC8.41%
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 Y0.99%
EPS Next 2Y4.5%
EPS Next 3Y5.63%
EPS Next 5YN/A
Revenue 1Y (TTM)6.93%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.69%
Revenue Next Year5.31%
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.


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

HARTFORD INSURANCE GROUP INC (HIG) has a profitability rating of 7 / 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 16.07%.