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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 $138.79, about 50.8% overvalued vs fair value, +13.1% 1Y return, ranked 308/1037 in sector.
Metrics Rev Growth 7.1% ROE 21.7% Gross Margin 46.1% Div Yield 1.60%
$138.79
1.52%
As of April 28, 2026
Previous close • Vol 90d: 18.3%
52-Week Range
Market Cap
$38.05B
Enterprise Value
$42.28B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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 Call: Apr 24

Fair Value Snapshot

Bear Base Bull
$38
$68
$128
Current: $138.79 -51% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$28.3B
7.1%%
Claims & Losses
$-15.2B
-32%%
Underwriting Result
$4.8B
23.7%%
Net Income
$3.8B
23.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
53.9%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.2B
58.1% 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 Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Strong
77
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing HIG's balance between Growth (26.3%), Profitability (43.1%), and Safety (30.6%). Growth 26% Safety 31% Profitability 43%

Click axes to expand details. Marker shows current allocation.

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Growth

43th percentile vs peers
44
Key Signals
Rev Growth YoY 7.1% 36p Equity Growth YoY 15.7% 58p Revenue CAGR 3Y 8.9% 38p EPS Growth YoY 29.8% 47p Asset Growth YoY 6.3% 45p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

71th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
51
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:

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  • 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
$68.30
- - -
-50.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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