Hartford Financial/$HIG
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Hartford Financial
The Hartford Insurance Group Inc. provides property and casualty insurance, group benefits, and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust, and integrity. The Company currently conducts business principally in five reportable segments, including Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds, as well as a Corporate category. The company generates a majority of its revenue from Business Insurance.
- Ticker
- $HIG
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 19,200
- Headquarters
- Hartford, United States
- Website
- www.thehartford.com
HIG Metrics
BasicAdvanced
$37B
8.37
$16.50
0.49
$2.40
1.74%
Price and volume
Market cap
$37B
Beta
0.49
52-week high
$146.07
52-week low
$120.42
Average daily volume
1.9M
Dividend rate
$2.40
Financial strength
Current ratio
1.667
Quick ratio
1.022
Long term debt to equity
0.232
Total debt to equity
0.232
Dividend payout ratio (TTM)
14.39%
Interest coverage (TTM)
27.99%
Profitability
EBITDA (TTM)
5,957
Gross margin (TTM)
38.57%
Net profit margin (TTM)
15.57%
Operating margin (TTM)
19.01%
Effective tax rate (TTM)
20.00%
Revenue per employee (TTM)
$1,540,000
Management effectiveness
Return on assets (TTM)
4.08%
Return on equity (TTM)
23.25%
Valuation
Price to earnings (TTM)
8.368
Price to revenue (TTM)
1.281
Price to book
2
Price to tangible book (TTM)
2.26
Price to free cash flow (TTM)
5.473
Free cash flow yield (TTM)
18.27%
Free cash flow per share (TTM)
25.236
Dividend yield (TTM)
1.74%
Forward dividend yield
1.74%
Growth
Revenue change (TTM)
9.19%
Earnings per share change (TTM)
35.01%
3-year revenue growth (CAGR)
6.97%
10-year revenue growth (CAGR)
4.94%
3-year earnings per share growth (CAGR)
31.23%
10-year earnings per share growth (CAGR)
16.89%
3-year dividend per share growth (CAGR)
12.18%
10-year dividend per share growth (CAGR)
11.07%
What the Analysts think about HIG
Analyst ratings (Buy, Hold, Sell) for Hartford Financial stock.
Analyst projections of the future price of Hartford Financial stock.
Bulls say / Bears say
Business Insurance still has room to grow profitably: written premiums rose 5% in the second quarter, while Small Business grew 7% and posted an underlying combined ratio of 86.5. That gives Hartford a strong base in a key commercial segment. (The Hartford)
Investment income is providing a meaningful earnings tailwind. Second-quarter net investment income rose 22% to $800 million, and management expects it to increase for full-year 2026. (The Hartford)
Hartford is generating strong returns and returning substantial capital: trailing 12-month core earnings ROE was 18.7%, and the board authorised a $4.2 billion share-repurchase programme through 2028. This supports the shareholder-return case if earnings hold up. (The Hartford)
Commercial underwriting margins weakened, especially in Middle & Large Business: its underlying combined ratio rose to 95.3 from 89.1 a year earlier, while the overall Business Insurance underlying ratio also worsened. Higher non-catastrophe property losses and a less favourable business mix contributed. (The Hartford)
Casualty reserve trends are a risk: Hartford increased general liability and commercial auto reserves after seeing more large losses and higher-than-expected severity. Management also cited greater attorney involvement and time-limit demands, which could add pressure if these claims trends persist. (The Hartford, Stock Analysis)
Personal Insurance premiums fell 7% in the second quarter, including a 10% drop in auto, as competition weighed on new business. Improving underwriting margins have not yet translated into growth in this segment. (The Hartford)
Data summarised monthly by Lightyear AI. Last updated on 23 Oct 2026.
HIG Financial Performance
Revenues and expenses
HIG Earnings Performance
Company profitability
Upcoming events
HIG News
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Funds containing HIG
AllUSDEURGBP
Fund name | Fund size | $HIG weighting |
|---|---|---|
Invesco S&P 500 Low Volatility£SPLG | $143M | 1.01% |
SPDR S&P 500 Low Volatility$LOWV | $113M | 1.01% |
SPDR S&P 500 Low Volatility£USLV | $113M | 1.01% |
iShares Edge S&P 500 Minimum Volatility$SPMV | $1.9B | 0.79% |
iShares Edge S&P 500 Minimum Volatility€IBCK | $1.9B | 0.79% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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