HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation
NYSE:HIG • US4165151048
135.715 USD
-1.53 (-1.12%)
Last: Mar 11, 2026, 12:15 PM
This HIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall HIG gets a fundamental rating of 5 out of 10. We evaluated HIG against 149 industry peers in the Insurance industry. While HIG belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. HIG is not valued too expensively and it also shows a decent growth rate.
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.
- In the past 5 years HIG always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.44%, HIG is in the better half of the industry, outperforming 77.85% of the companies in the same industry.
- With an excellent Return On Equity value of 20.10%, HIG belongs to the best of the industry, outperforming 85.23% of the companies in the same industry.
- HIG has a better Return On Invested Capital (4.62%) than 71.14% 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 15.25%.
- 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 Rank | Sector 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%
1.3 Margins
- HIG has a Profit Margin of 13.47%. This is in the better half of the industry: HIG outperforms 73.83% of its industry peers.
- In the last couple of years the Profit Margin of HIG has grown nicely.
- With a decent Operating Margin value of 17.34%, HIG is doing good in the industry, outperforming 70.47% of the companies in the same industry.
- In the last couple of years the Operating Margin of HIG has grown nicely.
| Industry Rank | Sector 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
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.
- HIG has less shares outstanding than it did 1 year ago.
- HIG has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, HIG has an improved debt to assets ratio.
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 74.50% of the companies in the same industry.
- A Debt/Equity ratio of 0.23 indicates that HIG is not too dependend on debt financing.
- HIG has a Debt to Equity ratio of 0.23. This is in the better half of the industry: HIG outperforms 66.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.56
WACC8.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. HIG Growth Analysis
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
- HIG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.62% yearly.
- HIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.71% yearly.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. HIG Valuation Analysis
4.1 Price/Earnings Ratio
- HIG is valuated reasonably with a Price/Earnings ratio of 10.09.
- The rest of the industry has a similar Price/Earnings ratio as HIG.
- HIG is valuated cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 9.99, the valuation of HIG can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as HIG.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.39, HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 9.99 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HIG is valued a bit cheaper than the industry average as 75.17% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of HIG indicates a somewhat cheap valuation: HIG is cheaper than 60.40% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.51 | ||
| EV/EBITDA | 5.38 |
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.
- HIG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)9.74
PEG (5Y)0.55
EPS Next 2Y4.51%
EPS Next 3Y5.62%
5. HIG Dividend Analysis
5.1 Amount
- HIG has a Yearly Dividend Yield of 1.72%. Purely for dividend investing, there may be better candidates out there.
- HIG's Dividend Yield is comparable with the industry average which is at 2.89.
- HIG's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.28%
Div Incr Years12
Div Non Decr Years15
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 2Y4.51%
EPS Next 3Y5.62%
HIG Fundamentals: All Metrics, Ratios and Statistics
NYSE:HIG (3/11/2026, 12:15:44 PM)
135.715
-1.53 (-1.12%)
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 Owners96.1%
Inst Owner Change28.28%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap37.44B
Revenue(TTM)28.33B
Net Income(TTM)3.81B
Analysts72.14
Price Target154.24 (13.65%)
Short Float %2.07%
Short Ratio3.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP16.07%
Div Incr Years12
Div Non Decr Years15
Ex-Date03-02 2026-03-02 (0.6)
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)0.74%
EPS NQ rev (3m)1.46%
EPS NY rev (1m)0.67%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 9.99 | ||
| P/S | 1.32 | ||
| P/FCF | 6.51 | ||
| P/OCF | 6.32 | ||
| P/B | 1.97 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | 5.38 |
EPS(TTM)13.45
EY9.91%
EPS(NY)13.59
Fwd EY10.01%
FCF(TTM)20.85
FCFY15.37%
OCF(TTM)21.47
OCFY15.82%
SpS102.69
BVpS68.8
TBVpS59.82
PEG (NY)9.74
PEG (5Y)0.55
Graham Number144.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.25%
ROIC/WACC0.56
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 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 10.09 and the Price/Book (PB) ratio is 1.97.
Can you provide the financial health for HIG stock?
The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.