The Hartford Insurance Group, Inc.

Fire, Marine & Casualty Insurance

HIGStrained10 of 11 basics passed

$129.11

-0.29%

Market cap $35.0B

$129.11

-0.29%

Market cap $35.0B

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.

It is a $35.0B financial services company. Revenue grew 4.9% over the last year, and it keeps 15¢ of every dollar of sales as profit. It trades at 8.0× earnings — near the lowest of its own history.

Website: thehartford.com
Location: Hartford, CT
Employees: 19 200
Sector: Financial Services

Share price · 3 years

$71.00 → $129.11+81.8%

price only — dividends excluded

Key facts · TTM

Revenue: total sales; $28.8B
Profit: keeps 15¢ of every $1 sold; $4.37B
Free cash flow: cash left after running the business; $5.71B
Net debt: debt minus cash on hand; $18.0M
P/E: years of profit in the price; 8.0
EPS: earnings per share, TTM; $15.16
Dividend: pays out 15% of profit · 11% of FCF; 1.85%
Shares: down 21% since 2018 — buybacks; 288.0M
Volatility: beta vs the market — under 1 swings less; 0.49

Revenue, last 10 years

52-week range

Low $122.36$129.11High $145.68

Today's price is 29% of the way from the year's low to its high.

P/E vs its history5y

8.0×median 11.3×

Higher than 1% of past days — near the lowest of its own history.

Valuation vs own history

P/E

8.0×

99%

P/S

1.2×

49%

EV/EBITDA

7.8×

95%

P/B

1.8×

63%

FCF yield

16.3%

79%

Share of the last ~5 years that was pricier than today (cheaper than usual). Based on the daily valuation record.

Standing in Financial Services

Size$35.0Btop 38%
Revenue growth+8%top 56%
Net margin15%top 54%
Return on equity23%top 18%
P/E8.0×top 9%
Dividend yield1.85%top 57%

Ranked against 129 Financial Services companies with a full CV — for P/E, lower ranks higher.

Skills

Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.

Strong valuation, profitability and quality; Health and Moat lag behind.

Valuation100

P/E vs own history1th pct · 25/25
FCF yield16.3% · 25/25
P/S1.2x · 25/25
EV/EBITDA7.6x · 25/25

Growth57

Revenue CAGR6.1% · 12/25
Net income CAGR12.9% · 20/25
EPS CAGR ~5Y22.9% · 25/25
Fwd implied growth-16.3% · 0/25

Profitability80

ROIC21.0% · 20/25
ROE23.0% · 20/25
Net margin15.2% · 20/25
Operating margin17.6% · 20/25

Health45

Altman Zn/a · 0/25
Current ration/a · 0/25
Interest coverage32.1x · 25/25
Net cash / debtD/A 0% · 20/25

Quality97

Piotroski F7/9 · 22/25
Beneish M-2.54 · 25/25
FCF conversion131% · 25/25
Margin stabilityσ 3.0% · 25/25

Moat45

ROIC >12% years4/5 yrs · 20/25
Median gross marginn/a · 0/25
FCF-positive years10/10 yrs · 25/25
Worst-year net marginworst -18.4% · 0/25

How the scores work →

Experience

The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.

FY2025Financial
Best year on record
$3.84B net income
FY2016Financial
First recorded profitable year
$896M net income
FY2016Financial
Revenue already above $10B
$18.3B in first reported year
FY2016Financial
Positive free cash flow every year since
10-year streak

Achievements

Verifiable track record, straight from the reported numbers.

$10 000 invested in 2021 would be worth ~$18 413 today — price return only

$28.4B revenue in FY2025

Profitable 8 years in a row

Positive free cash flow 10 years in a row

19 200 employees

ROIC of 21.0%

Strengths & watch-outs

What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.

Strengths

Strong cash conversion — FCF is 19.8% of revenue
Interest covered 32.1× by operating earnings
High returns on invested capital (ROIC 21.0%)
Piotroski F-Score 7/9 — fundamentally strong checklist

Watch-outs

Loss-making in 1 of the recent years

Qualifications

The basics a company should meet before you research it further. Each check uses the reported numbers.

10 of 11 checks passed

Revenue growing — the company sells more than a year ago+4.9% YoY
Profitable — makes more than it spends$4.37B TTM
Profit growing — earnings are higher than last year+34.5% YoY
Generates cash — cash left after running and investing$5.71B TTM
Debt under control — could handle its obligations~0.0y of cash flow to repay
Established company — not a micro-cap — lower blow-up risk$35.0B market cap
Not printing shares — share count not ballooning — you keep your slice-21.1% shares over ~5y
Proven track record — years of profitability behind it9/10 profitable years
Financially stable — balance sheet not near distresshealth score 25/100
Pays a dividend — returns cash to shareholdersyield 1.85%
Valuation not extreme — price not wildly above earningsP/E 8.0

Peer comparisonThe Hartford Insurance Group, Inc. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾

Company	Market cap	P/E	Revenue growth	Net margin	Profile
HIG this company	$35.0B	8.0	+4.9%	15.2%	Strained
BRK.A Berkshire Hathaway Inc.	$1.1T	11.6	+3.9%	22.3%	Mixed
BRK.B Berkshire Hathaway	$1.1T	11.6	+0.0%	18.0%	Strong
JPM JPMorgan Chase & Co.	$886.2B	13.6	+13.5%	32.6%	Strained
V VISA Inc.	$723.9B	31.9	+14.4%	50.8%	Solid
MA Mastercard Incorporated	$516.4B	31.7	+16.0%	46.3%	Mixed
BAC Bank of America Corporation	$380.4B	11.3	+15.9%	27.8%	Mixed

Head-to-head: HIG vs BRK.A · HIG vs BRK.B · HIG vs JPM

References

What covering analysts publish about the company — information only, not a recommendation.

Strong buy 3Buy 11Hold 15

Appendix · Financial records

The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.

Profit & lossRevenue $28.8B · net income $4.37B (TTM)Open ▾

Profit & loss

Revenue and profit over the company's career — the income statement, visualised.

RevenueNet income

Revenue (TTM)

$28.8B

YoY 4.9%

Net income (TTM)

$4.37B

Margin 15.2%

Operating margin

17.6%

P/E ratio

8.0

Dividend yield

1.85%

Income statement — full detail

Figures in USD billions · EPS in USD

	2020	2021	2022	2023	2024	2025
Revenue	20.5	22.4	22.4	24.5	26.5	28.4
Gross profit	—	—	—	—	—	—
Operating income (EBIT)	—	2.9	2.3	3.1	3.8	4.8
Net income	1.7	2.4	1.8	2.5	3.1	3.8
EPS (diluted)	4.76	6.62	5.44	7.97	10.35	13.32

Cash flowFree cash flow $5.71B · operating cash flow $5.88B (TTM)Open ▾

Cash flow statement

Cash generated by the business and what is left after investment — year by year.

Operating cash flowFree cash flow

Free cash flow (TTM)

$5.71B

Margin 19.8%

Operating cash flow (TTM)

$5.88B

FCF margin

19.8%

Cash flow statement — full detail

Figures in USD billions

	2020	2021	2022	2023	2024	2025
Operating cash flow	3.9	4.1	4.0	4.2	5.9	5.9
Capital expenditure	-0.1	-0.1	-0.2	-0.2	-0.1	-0.2
Free cash flow	3.8	4.0	3.8	4.0	5.8	5.8
FCF margin	18.3%	17.7%	17.1%	16.3%	21.7%	20.3%

Balance sheetAssets $86.0B · net debt $18.0M (FY2025)Open ▾

Balance sheet

How the balance sheet is built — what it owns versus how it is financed.

How $86.0B of assets is financed

78%

22%

Liabilities $67.0B — borrowed moneyEquity $19.0B — owners' stake

Cash vs debt

Total debt $4.37B − cash $4.35B = net debt $18.0M

Cash on hand covers 100% of debt.

Debt repayment

0.0 yrs

Years of free cash flow to clear net debt

Interest coverage

32.1x

EBIT ÷ interest expense

ROE

23.0%

Profit per $1 of equity

Balance sheet — full detail

Figures in USD billions

	2020	2021	2022	2023	2024	2025
Cash & equivalents	3.3	3.7	3.9	3.9	4.1	4.4
Total assets	74.1	76.6	73.0	76.8	80.9	86.0
Total liabilities	55.6	58.7	59.4	61.5	64.5	67.0
Total debt	4.4	4.9	4.4	4.4	4.4	4.4
Equity	18.6	17.8	13.6	15.3	16.4	19.0
Net debt	1.1	1.2	0.5	0.5	0.3	0.0

Want the live picture — intraday moves, valuation history and full analysis?

Deeper analysis of HIG on PreMarketPrice

Figures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $129.11 · market cap $35.0B.