(HIG) Hartford Financial - Overview
Stock: Business Insurance, Personal Insurance, Employee Benefits, Property & Casualty
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.66% |
| Yield on Cost 5y | 4.96% |
| Yield CAGR 5y | 10.76% |
| Payout Consistency | 95.4% |
| Payout Ratio | 13.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 19.1% |
| Relative Tail Risk | -5.41% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.79 |
| Alpha | 10.72 |
| Character TTM | |
|---|---|
| Beta | 0.506 |
| Beta Downside | 0.518 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.30% |
| CAGR/Max DD | 1.50 |
Description: HIG Hartford Financial January 29, 2026
The Hartford Insurance Group (NYSE:HIG) operates four primary divisions: (1) Business Insurance, which underwrites a broad spectrum of commercial coverages-including workers’ compensation, property, liability, marine and reinsurance-through a network of regional offices, agents and brokers; (2) Personal Insurance, delivering auto, homeowners and personal-umbrella policies via direct-to-consumer channels and independent agents; (3) Employee Benefits, offering group life, disability and related services to employers, associations and affinity groups, plus reinsurance and leave-management solutions; and (4) Hartford Funds, which manages mutual funds and ETFs across multiple asset classes and provides related investment-management services. The company, founded in 1810, is headquartered in Hartford, Connecticut, and serves customers in the U.S., U.K. and other international markets.
Key recent metrics (Q3 2024, reported May 2024) show a net income of **$1.2 billion**, a **combined ratio of 92.5 %** (down 1.8 pts YoY, indicating improved underwriting profitability), and **written premiums up 4 % YoY** driven mainly by commercial lines. Investment income rose 5 % year-over-year as higher interest rates lifted bond yields, a sector-wide driver that benefits insurers with sizable fixed-income portfolios but also pressures claim costs via inflation-linked loss reserves. The **return on equity (ROE) stood at 9.3 %**, modestly above the multi-line insurance industry average of ~8.5 %, while the **combined ratio trend** suggests the company is navigating the current hard-market cycle better than many peers. However, exposure to climate-related catastrophes remains a material risk, with the U.S. property-cat loss index up 12 % in the past 12 months, potentially offsetting underwriting gains.
For a deeper, data-driven assessment of HIG’s valuation dynamics, you may find it useful to explore the analytics platform **ValueRay** for additional scenario modeling and peer comparisons.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 3.84b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: 35.95% < 20% (prev 36.52%; Δ -0.56% < -1%) |
| CFO/TA 0.07 > 3% & CFO 5.99b > Net Income 3.84b |
| Net Debt (4.24b) to EBITDA (5.22b): 0.81 < 3 |
| Current Ratio: 17.65 > 1.5 & < 3 |
| Outstanding Shares: last quarter (282.6m) vs 12m ago -5.01% < -2% |
| Gross Margin: 46.23% > 18% (prev 0.15%; Δ 4608 % > 0.5%) |
| Asset Turnover: 33.96% > 50% (prev 32.61%; Δ 1.35% > 0%) |
| Interest Coverage Ratio: 17.57 > 6 (EBITDA TTM 5.22b / Interest Expense TTM 199.0m) |
Altman Z'' 1.93
| A: 0.12 (Total Current Assets 10.80b - Total Current Liabilities 612.0m) / Total Assets 86.00b |
| B: 0.28 (Retained Earnings 23.78b / Total Assets 86.00b) |
| C: 0.04 (EBIT TTM 3.50b / Avg Total Assets 83.46b) |
| D: -0.03 (Book Value of Equity -2.06b / Total Liabilities 67.02b) |
| Altman-Z'' Score: 1.93 = BBB |
Beneish M -3.63
| DSRI: 0.98 (Receivables 6.32b/6.00b, Revenue 28.34b/26.38b) |
| GMI: 0.33 (GM 46.23% / 15.05%) |
| AQI: 1.00 (AQ_t 0.86 / AQ_t-1 0.86) |
| SGI: 1.07 (Revenue 28.34b / 26.38b) |
| TATA: -0.03 (NI 3.84b - CFO 5.99b) / TA 86.00b) |
| Beneish M-Score: -3.63 (Cap -4..+1) = AAA |
What is the price of HIG shares?
Over the past week, the price has changed by +5.01%, over one month by -2.72%, over three months by +9.88% and over the past year by +20.20%.
Is HIG a buy, sell or hold?
- StrongBuy: 4
- Buy: 6
- Hold: 9
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HIG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 147.5 | 9.2% |
| Analysts Target Price | 147.5 | 9.2% |
| ValueRay Target Price | 167 | 23.6% |
HIG Fundamental Data Overview January 31, 2026
P/E Forward = 10.101
P/S = 1.3224
P/B = 1.9801
P/EG = 1.41
Revenue TTM = 28.34b USD
EBIT TTM = 3.50b USD
EBITDA TTM = 5.22b USD
Long Term Debt = 4.37b USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 4.37b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.24b USD (from netDebt column, last quarter)
Enterprise Value = 36.80b USD (36.92b + Debt 4.37b - CCE 4.49b)
Interest Coverage Ratio = 17.57 (Ebit TTM 3.50b / Interest Expense TTM 199.0m)
EV/FCF = 6.25x (Enterprise Value 36.80b / FCF TTM 5.89b)
FCF Yield = 16.01% (FCF TTM 5.89b / Enterprise Value 36.80b)
FCF Margin = 20.79% (FCF TTM 5.89b / Revenue TTM 28.34b)
Net Margin = 13.54% (Net Income TTM 3.84b / Revenue TTM 28.34b)
Gross Margin = 46.23% ((Revenue TTM 28.34b - Cost of Revenue TTM 15.24b) / Revenue TTM)
Gross Margin QoQ = 48.95% (prev 47.55%)
Tobins Q-Ratio = 0.43 (Enterprise Value 36.80b / Total Assets 86.00b)
Interest Expense / Debt = 1.12% (Interest Expense 49.0m / Debt 4.37b)
Taxrate = 19.96% (282.0m / 1.41b)
NOPAT = 2.80b (EBIT 3.50b * (1 - 19.96%))
Current Ratio = 17.65 (Total Current Assets 10.80b / Total Current Liabilities 612.0m)
Debt / Equity = 0.23 (Debt 4.37b / totalStockholderEquity, last quarter 18.98b)
Debt / EBITDA = 0.81 (Net Debt 4.24b / EBITDA 5.22b)
Debt / FCF = 0.72 (Net Debt 4.24b / FCF TTM 5.89b)
Total Stockholder Equity = 17.95b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.60% (Net Income 3.84b / Total Assets 86.00b)
RoE = 21.37% (Net Income TTM 3.84b / Total Stockholder Equity 17.95b)
RoCE = 15.67% (EBIT 3.50b / Capital Employed (Equity 17.95b + L.T.Debt 4.37b))
RoIC = 12.94% (NOPAT 2.80b / Invested Capital 21.64b)
WACC = 7.05% (E(36.92b)/V(41.29b) * Re(7.78%) + D(4.37b)/V(41.29b) * Rd(1.12%) * (1-Tc(0.20)))
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.76%
[DCF Debug] Terminal Value 82.41% ; FCFF base≈5.71b ; Y1≈6.04b ; Y5≈7.18b
Fair Price DCF = 535.3 (EV 153.53b - Net Debt 4.24b = Equity 149.29b / Shares 278.9m; r=7.05% [WACC]; 5y FCF grow 6.52% → 2.90% )
EPS Correlation: 80.06 | EPS CAGR: 26.93% | SUE: 2.82 | # QB: 3
Revenue Correlation: 98.68 | Revenue CAGR: 8.46% | SUE: -0.43 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.40 | Chg30d=+0.082 | Revisions Net=-1 | Analysts=12
EPS current Year (2026-12-31): EPS=13.38 | Chg30d=+0.123 | Revisions Net=+1 | Growth EPS=-0.3% | Growth Revenue=+6.1%
EPS next Year (2027-12-31): EPS=14.36 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+7.3% | Growth Revenue=+4.3%