HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis

NYSE:HIG • US4165151048

141.06 USD
+0.52 (+0.37%)
At close: Feb 25, 2026
141.06 USD
0 (0%)
After Hours: 2/25/2026, 8:18:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

HIG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 150 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • HIG had positive earnings in the past year.
  • In the past year HIG had a positive cash flow from operations.
  • In the past 5 years HIG has always been profitable.
  • Of the past 5 years HIG 4 years 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

  • Looking at the Return On Assets, with a value of 4.16%, HIG is in the better half of the industry, outperforming 77.33% 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 84.00% of the companies in the same industry.
Industry RankSector 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
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 12.69%. This is in the better half of the industry: HIG outperforms 70.00% of its industry peers.
  • HIG's Profit Margin has improved in the last couple of years.
  • HIG's Operating Margin of 16.46% is fine compared to the rest of the industry. HIG outperforms 64.67% of its industry peers.
  • In the last couple of years the Operating Margin of HIG has grown nicely.
Industry RankSector 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • HIG has less shares outstanding than it did 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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 0.74, HIG is in the better half of the industry, outperforming 77.33% of the companies in the same industry.
  • HIG has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of HIG (0.24) is better than 65.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.74
Altman-Z N/A
ROIC/WACCN/A
WACC8.2%
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 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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.
  • Looking at the last year, HIG shows a small growth in Revenue. The Revenue has grown by 6.93% in the last year.
  • 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)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 6.24% 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 Y0.36%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
EPS Next 5YN/A
Revenue Next Year5.33%
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.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.49 indicates a reasonable valuation of HIG.
  • 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 27.05, which is the current average of the S&P500 Index.
  • HIG is valuated reasonably with a Price/Forward Earnings ratio of 10.45.
  • 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 (28.03), we can say HIG is valued rather cheaply.
Industry RankSector Rank
PE 10.49
Fwd PE 10.45
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HIG indicates a somewhat cheap valuation: HIG is cheaper than 72.67% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, HIG is valued a bit cheaper than the industry average as 62.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.68
EV/EBITDA 5.89
HIG Per share dataHIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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.
PEG (NY)28.84
PEG (5Y)0.57
EPS Next 2Y4.23%
EPS Next 3Y6.24%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

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 2.63.
  • HIG's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.71%

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
HIG Yearly Dividends per shareHIG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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 slower than its dividend. This means the dividend growth is not sustainable.
DP17.08%
EPS Next 2Y4.23%
EPS Next 3Y6.24%
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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Find the best dividend stocksShow peers with best dividend

HARTFORD INSURANCE GROUP INC

NYSE:HIG (2/25/2026, 8:18:18 PM)

After market: 141.06 0 (0%)

141.06

+0.52 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners95.17%
Inst Owner Change28.27%
Ins Owners0.32%
Ins Owner Change5.52%
Market Cap39.34B
Revenue(TTM)28.33B
Net Income(TTM)3.54B
Analysts72.14
Price Target151.01 (7.05%)
Short Float %1.8%
Short Ratio3.21
Dividend
Industry RankSector Rank
Dividend Yield 1.71%
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)1.74%
PT rev (3m)4.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.37%
EPS NY rev (1m)0.58%
EPS NY rev (3m)2.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)-0.55%
Valuation
Industry RankSector Rank
PE 10.49
Fwd PE 10.45
P/S 1.41
P/FCF 6.68
P/OCF 6.57
P/B 2.13
P/tB 2.47
EV/EBITDA 5.89
EPS(TTM)13.45
EY9.53%
EPS(NY)13.5
Fwd EY9.57%
FCF(TTM)21.12
FCFY14.97%
OCF(TTM)21.47
OCFY15.22%
SpS99.92
BVpS66.15
TBVpS57.21
PEG (NY)28.84
PEG (5Y)0.57
Graham Number141.49
Profitability
Industry RankSector 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 RankSector 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
WACC8.2%
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 Year5.33%
Revenue Next 2Y4.72%
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 10.49 and the Price/Book (PB) ratio is 2.13.


Can you provide the financial health for HIG stock?

The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.