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The Hartford Insurance Group, Inc. HIG SPX

Financial Services · Insurance - Diversified · United States
https://www.thehartford.com

The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

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$127.13
-0.45% 1Y

Market & Price

Market Cap
$34.85B
Current Price
$127.13
High / Low (52W)
$142.92 / $118.23
Beta
0.50

Valuation

Stock P/E
8.95
Industry PE
12.01
Forward P/E
8.82
PEG Ratio
0.12
Book Value
$67.50
Price to Book
1.88
P/S
1.21
EV/EBITDA
6.37
Dividend Yield
1.89%

Profitability & Returns

ROCE
-
ROE
22.74%
ROA
3.88%
Profit Margin
14.11%
Op Margin
15.30%
EPS (Latest Qtr)
$3.04
EPS (TTM)
$14.21

Balance Sheet & Liquidity

Debt/Equity
0.23
Quick Ratio
1.06
Current Ratio
1.79
Debt
$4.37B
Total Assets
$86.00B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.35%
Chg in Prom Hold
-
FII / Inst Holding
95.73%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$35.16B
Total Revenue (TTM)
$28.79B
EBITDA
$5.52B
Free Cash Flow
$5.60B
Operating Cash Flow
$5.98B
Shares Outstanding
274.13M
Gross Margin
38.17%
Payout Ratio
15.76%

Growth (CAGR)

Revenue 5Y
8.70%
Profit 5Y
28.24%
Revenue (YoY)
6.10%
Earnings (YoY)
41.40%

PROS

  • Strong return on equity of 22.7%.
  • Profit CAGR of 28.2% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HIG The Hartford Insurance Group, Inc. SPX 127.13 8.95 $34.85B 1.89% - 22.74% 8.70% 28.24%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --------342.00M352.00M373.00M-339.00M354.00M359.00M-341.00M319.00M346.00M-374.00M396.00M399.00M379.00M361.00M348.00M-338.00M352.00M351.00M-352.00M364.00M369.00M-6.77B6.97B7.15B7.18B7.15B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income -----------------------------------833.00M1.30B1.37B1.46B1.11B
EBITDA ----------------------------------------
Interest Expense -----------------------------------50.00M50.00M50.00M49.00M50.00M
Pretax Income -----------------------------------783.00M1.25B1.32B1.41B1.06B
Tax Provision -----------------------------------153.00M251.00M238.00M282.00M201.00M
Net Income 323.00M216.00M438.00M-81.00M378.00M-40.00M234.00M-3.70B597.00M582.00M432.00M196.00M630.00M372.00M535.00M548.00M273.00M468.00M459.00M537.00M249.00M905.00M482.00M443.00M444.00M340.00M592.00M535.00M547.00M651.00M771.00M753.00M738.00M767.00M-630.00M995.00M1.08B1.13B856.00M
Diluted EPS 0.790.541.12-0.221.00-0.110.64-10.371.641.601.190.521.711.021.431.490.741.291.261.470.672.511.361.301.321.021.821.661.732.092.512.472.442.56-2.153.443.773.983.04

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----------1.25B1.42B1.40B1.36B1.57B21.85B24.33B26.38B28.07B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income 4.00B-4.59B-1.73B------------2.48B3.29B4.05B4.96B
EBITDA -------------------
Interest Expense ---------------213.00M199.00M199.00M199.00M
Pretax Income ---------------2.26B3.09B3.85B4.76B
Tax Provision ---------------443.00M584.00M738.00M924.00M
Net Income 2.95B-2.75B-887.00M1.64B712.00M-38.00M176.00M798.00M1.68B896.00M-3.13B1.81B2.08B1.74B2.37B1.82B2.50B3.11B3.84B
Diluted EPS 9.24-8.99-2.932.401.40-0.170.361.733.962.27-8.614.955.664.766.645.447.9710.3513.32

Compounded Sales Growth

5 Years:8.70%
1 Year:6.10%

Compounded Profit Growth

5 Years:28.24%
1 Year:41.40%

Stock Price Performance

1 Year:-0.45%
6 Months:-6.79%
3 Months:-9.34%
1 Month:-6.96%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Jan 2021Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -287.58B307.72B318.35B302.61B298.51B277.88B245.01B228.35B224.58B225.26B62.31B70.82B74.11B-76.58B73.01B76.78B80.92B86.00B
Current Assets --------------------
Cash & Equivalents ----------------229.00M126.00M183.00M133.00M
Inventory --------------------
Receivables ----------------11.91B12.71B13.14B13.51B
Total Liabilities -278.22B289.82B298.04B281.12B276.07B258.98B226.29B210.71B207.67B211.77B49.21B54.55B55.55B-58.73B59.33B61.45B64.47B67.02B
Current Liabilities --------------------
Long Term Debt -5.82B5.50B6.21B6.22B6.81B6.11B5.65B5.08B4.49B4.68B4.26B4.35B4.35B-4.94B4.36B4.36B4.37B4.37B
Total Debt ----------------4.36B4.36B4.37B4.37B
Total Equity 19.30B9.27B16.20B18.75B21.49B22.45B18.91B18.72B17.64B16.90B13.49B13.10B16.27B18.56B18.49B17.80B13.68B15.33B16.45B18.98B
Shares Outstanding ----------------344.96M326.96M326.96M326.96M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 5.99B4.19B2.97B3.31B2.27B2.68B1.24B1.89B2.76B2.07B2.19B2.84B3.49B3.87B-4.01B4.22B5.91B5.92B
Investing Cash Flow -6.18B-8.83B-3.12B-434.00M-1.18B-2.56B3.75B1.70B485.00M949.00M-1.44B-1.96B-2.15B-2.07B--1.28B-2.43B-3.77B-3.76B
Financing Cash Flow 499.00M4.27B523.00M-2.96B-609.00M-228.00M-5.82B-4.48B-3.14B-2.54B-979.00M-1.47B-1.19B-1.78B--2.71B-1.95B-2.08B-2.23B
Capital Expenditure ------66.00M-64.00M-121.00M-307.00M-224.00M-250.00M-122.00M-105.00M-114.00M--175.00M-215.00M-145.00M-169.00M
Free Cash Flow -----2.62B1.17B1.76B2.45B1.84B1.94B2.72B3.38B3.76B-3.83B4.00B5.76B5.75B
Net Change in Cash ---------------21.00M-158.00M65.00M-71.00M
Share Buybacks -----154.00M600.00M1.80B1.25B1.33B1.03B0200.00M150.00M1.70B1.55B1.40B1.51B1.61B

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % ---------------11.3%13.5%15.3%17.7%
Net Margin % -----------249.9%127.4%148.5%127.7%151.1%8.3%10.3%11.8%13.7%
ROE % 15.3%-29.7%-5.5%8.7%3.3%-0.2%0.9%4.3%9.5%5.3%-23.2%13.8%12.8%9.4%13.3%13.3%16.3%18.9%20.2%
ROCE % -------------------

Shareholding Pattern

Insiders
0.35%
Institutions
95.73%
Public Float
96.07%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 11.58% 31.74M $4.04B
2 Vanguard Capital Management LLC 6.57% 18.00M $2.29B
3 State Street Corporation 5.86% 16.06M $2.04B
4 Vanguard Portfolio Management LLC 5.81% 15.92M $2.02B
5 FMR, LLC 4.05% 11.12M $1.41B
6 Geode Capital Management, LLC 2.99% 8.21M $1.04B
7 Invesco Ltd. 1.85% 5.07M $644.02M
8 Dimensional Fund Advisors LP 1.71% 4.70M $597.44M
9 Nordea Investment Management AB 1.62% 4.43M $562.88M
10 UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC 1.60% 4.39M $558.65M

Analyst View

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