HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:HIG • US4165151048
142.02 USD
+0.39 (+0.28%)
At close: Feb 11, 2026
142.02 USD
0 (0%)
After Hours: 2/11/2026, 8:04:00 PM
Taking everything into account, HIG scores 5 out of 10 in our fundamental rating. HIG was compared to 149 industry peers in the Insurance industry. HIG has an average financial health and profitability rating. HIG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year HIG was profitable.
- HIG had a positive operating cash flow in the past year.
- Each year in the past 5 years HIG has been profitable.
- HIG had a positive operating cash flow in 4 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 77.85% of the companies in the same industry.
- HIG has a better Return On Equity (19.17%) than 84.56% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With a decent Profit Margin value of 12.69%, HIG is doing good in the industry, outperforming 69.80% of the companies in the same industry.
- In the last couple of years the Profit Margin of HIG has grown nicely.
- HIG's Operating Margin of 16.46% is fine compared to the rest of the industry. HIG outperforms 63.76% of its industry peers.
- HIG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
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.
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 has a better Debt to FCF ratio (0.74) than 77.85% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.32%
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 impressive 30.46% over the past year.
- 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 6.93%.
- 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 6.24% 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 Y0.36%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
EPS Next 5YN/A
Revenue Next Year5.46%
Revenue Next 2Y4.87%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 10.56 indicates a reasonable valuation of HIG.
- HIG's Price/Earnings is on the same level as the industry average.
- HIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
- The Price/Forward Earnings ratio is 10.52, which indicates a very decent valuation of HIG.
- The rest of the industry has a similar Price/Forward Earnings ratio as HIG.
- When comparing the Price/Forward Earnings ratio of HIG to the average of the S&P500 Index (28.01), we can say HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | 10.52 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HIG is valued a bit cheaper than 73.15% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, HIG is valued a bit cheaper than 61.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.72 | ||
| EV/EBITDA | 5.94 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)29.04
PEG (5Y)0.57
EPS Next 2Y4.23%
EPS Next 3Y6.24%
5. Dividend
5.1 Amount
- HIG has a Yearly Dividend Yield of 1.69%. Purely for dividend investing, there may be better candidates out there.
- HIG's Dividend Yield is comparable with the industry average which is at 2.18.
- Compared to an average S&P500 Dividend Yield of 1.80, HIG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
5.2 History
- On average, the dividend of HIG grows each year by 9.29%, 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 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
- HIG pays out 17.08% 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.
DP17.08%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
142.02
+0.39 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-22 2026-04-22/amc
Inst Owners95.17%
Inst Owner Change27.43%
Ins Owners0.32%
Ins Owner Change-1.26%
Market Cap39.57B
Revenue(TTM)28.33B
Net Income(TTM)3.54B
Analysts72.14
Price Target151.01 (6.33%)
Short Float %1.83%
Short Ratio3.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
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)3.42%
PT rev (3m)3.73%
EPS NQ rev (1m)1.07%
EPS NQ rev (3m)2.13%
EPS NY rev (1m)0.67%
EPS NY rev (3m)2.6%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | 10.52 | ||
| P/S | 1.42 | ||
| P/FCF | 6.72 | ||
| P/OCF | 6.61 | ||
| P/B | 2.14 | ||
| P/tB | 2.48 | ||
| EV/EBITDA | 5.94 |
EPS(TTM)13.45
EY9.47%
EPS(NY)13.5
Fwd EY9.5%
FCF(TTM)21.14
FCFY14.89%
OCF(TTM)21.49
OCFY15.13%
SpS100.01
BVpS66.21
TBVpS57.26
PEG (NY)29.04
PEG (5Y)0.57
Graham Number141.55
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)3.83%
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 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
WACC8.32%
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 Year5.46%
Revenue Next 2Y4.87%
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 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 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 10.56 and the Price/Book (PB) ratio is 2.14.
Can you provide the financial health for HIG stock?
The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.