HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HIG - US4165151048 - Common Stock
129.95 USD
+0.39 (+0.3%)
129.95 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to HIG. HIG was compared to 149 industry peers in the Insurance industry. Both the profitability and the financial health of HIG get a neutral evaluation. Nothing too spectacular is happening here. HIG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year HIG was profitable.
- In the past year HIG had a positive cash flow from operations.
- Each year in the past 5 years HIG has been profitable.
- In the past 5 years HIG always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 4.16%, HIG is doing good in the industry, outperforming 77.85% of the companies in the same industry.
- With an excellent Return On Equity value of 19.17%, HIG belongs to the best of the industry, outperforming 84.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| ROIC | N/A |
ROA(3y)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- HIG has a better Profit Margin (12.69%) than 69.80% of its industry peers.
- In the last couple of years the Profit Margin of HIG has grown nicely.
- HIG has a better Operating Margin (16.46%) than 63.76% of its industry peers.
- HIG's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| GM | N/A |
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
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.
- The number of shares outstanding for HIG has been reduced compared to 1 year ago.
- HIG has less shares outstanding than it did 5 years ago.
- HIG has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of HIG is 0.74, which is an excellent value as it means it would take HIG, only 0.74 years of fcf income to pay off all of its debts.
- HIG has a Debt to FCF ratio of 0.74. This is in the better half of the industry: HIG outperforms 77.85% of its industry peers.
- HIG has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
- 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
WACC8.36%
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 nice 18.22% over the past year.
- Measured over the past years, HIG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.78% on average per year.
- Looking at the last year, HIG shows a small growth in Revenue. The Revenue has grown by 7.13% in the last year.
- Measured over the past years, HIG shows a small growth in Revenue. The Revenue has been growing by 5.05% on average per year.
EPS 1Y (TTM)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%6.83%
3.2 Future
- HIG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.29% yearly.
- HIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.28% yearly.
EPS Next Y23.18%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
EPS Next 5Y10.29%
Revenue Next Year8.84%
Revenue Next 2Y7.23%
Revenue Next 3Y6.28%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.54, which indicates a very decent valuation of HIG.
- Compared to the rest of the industry, the Price/Earnings ratio of HIG indicates a somewhat cheap valuation: HIG is cheaper than 61.74% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of HIG to the average of the S&P500 Index (27.32), we can say HIG is valued rather cheaply.
- HIG is valuated reasonably with a Price/Forward Earnings ratio of 9.69.
- HIG's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of HIG to the average of the S&P500 Index (24.32), we can say HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 9.69 |
4.2 Price Multiples
- 75.17% 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 63.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.15 | ||
| EV/EBITDA | 5.47 |
4.3 Compensation for Growth
- HIG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as HIG's earnings are expected to grow with 12.07% in the coming years.
PEG (NY)0.45
PEG (5Y)0.82
EPS Next 2Y14.04%
EPS Next 3Y12.07%
5. Dividend
5.1 Amount
- HIG has a Yearly Dividend Yield of 1.83%.
- HIG's Dividend Yield is comparable with the industry average which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.83, HIG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
5.2 History
- The dividend of HIG is nicely growing with an annual growth rate of 9.29%!
- 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)9.29%
Div Incr Years12
Div Non Decr Years15
5.3 Sustainability
- 17.08% of the earnings are spent on dividend by HIG. This is a low number and sustainable payout ratio.
- HIG's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP17.08%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
129.95
+0.39 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners95.17%
Inst Owner Change0.08%
Ins Owners0.32%
Ins Owner Change-0.69%
Market Cap36.21B
Revenue(TTM)27.87B
Net Income(TTM)3.54B
Analysts72.14
Price Target148.44 (14.23%)
Short Float %1.76%
Short Ratio3.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
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)2.33%
PT rev (3m)4.96%
EPS NQ rev (1m)0.93%
EPS NQ rev (3m)2.48%
EPS NY rev (1m)0.17%
EPS NY rev (3m)7%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 9.69 | ||
| P/S | 1.3 | ||
| P/FCF | 6.15 | ||
| P/OCF | 6.05 | ||
| P/B | 1.96 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | 5.47 |
EPS(TTM)12.33
EY9.49%
EPS(NY)13.41
Fwd EY10.32%
FCF(TTM)21.14
FCFY16.27%
OCF(TTM)21.49
OCFY16.54%
SpS100.01
BVpS66.21
TBVpS57.26
PEG (NY)0.45
PEG (5Y)0.82
Graham Number135.53
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)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
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)4.21%
ROCE(5y)4.01%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
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
WACC8.36%
ROIC/WACCN/A
Cap/Depr(3y)7.01%
Cap/Depr(5y)6.34%
Cap/Sales(3y)0.74%
Cap/Sales(5y)0.67%
Profit Quality(3y)187.16%
Profit Quality(5y)189.69%
High Growth Momentum
Growth
EPS 1Y (TTM)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
EPS Next Y23.18%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
EPS Next 5Y10.29%
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%6.83%
Revenue Next Year8.84%
Revenue Next 2Y7.23%
Revenue Next 3Y6.28%
Revenue Next 5YN/A
EBIT growth 1Y19.55%
EBIT growth 3Y8.2%
EBIT growth 5Y5.7%
EBIT Next Year13.97%
EBIT Next 3Y7.06%
EBIT Next 5YN/A
FCF growth 1Y69.62%
FCF growth 3Y12.78%
FCF growth 5Y11.24%
OCF growth 1Y62.85%
OCF growth 3Y12.49%
OCF growth 5Y11.11%
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 6 / 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 10.54 and the Price/Book (PB) ratio is 1.96.
Can you provide the financial health for HIG stock?
The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.