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Company Analysis

Hartford Financial Services Gro HIG

A comprehensive view of key metrics, scores, and financial health for Hartford Financial Services Gro

Overview of The Hartford Insurance Group, Inc.

HIG NYQ
Financial Services Insurance - Property & Casualty Large Cap
The Hartford Insurance Group, Inc. (HIG), is a Large Cap company, in the Insurance - Property & Casualty industry, last closed at $132.93, about 50.1% overvalued vs fair value, +10.4% 1Y return, ranked 320/1004 in sector.
$132.93
-1.10%
As of March 13, 2026
Previous close • Vol 90d: 17.8%
52-Week Range
Market Cap
$38.28B
Enterprise Value
$42.52B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.thehartford.com
HQ Hartford, CT
Employees 19,200
Fiscal year Dec 31

Next Events

Dividend Apr 2
Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$37
$66
$124
Current: $132.93 -50% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$199.0M
73%%
Interest Expense
$199.0M
Net Interest Income
$-199.0M
Total Revenue
$28.3B
7.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
19.2%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.2B
72.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Hartford Financial Services Gro's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
77
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing HIG's balance between Growth (26.8%), Profitability (43.9%), and Safety (29.3%). Growth 27% Safety 29% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

42th percentile vs peers
43
Key Signals
Rev Growth YoY 7.1% 36p Revenue CAGR 3Y 8.9% 38p EPS Growth YoY 29.8% 47p EPS CAGR 3Y 13.8% 44p TSR 28.0% 57p
Strengths
  • Superior capital returns - 3 return metrics above peer median
  • Current Ratio in top 20% of peers (17.65, 81th percentile)
  • Consistently strong margins across 7 metrics
  • Strong liquidity position vs peers
Risks

No significant risks identified for this axis.

Profitability

69th percentile vs peers
70
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hartford Financial Services Gro.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$66.36
- - -
-50.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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