(HIG) Hartford Financial - Ratings and Ratios
Business Insurance, Personal Insurance, Employee Benefits, Mutual Funds, ETFs
HIG EPS (Earnings per Share)
HIG Revenue
Description: HIG Hartford Financial
The Hartford Insurance Group, Inc. (NYSE:HIG) operates through four primary segments: Business Insurance, Personal Insurance, Employee Benefits, and Hartford Funds, delivering a broad mix of property-and-casualty coverages, group employee benefits, and investment products across the United States, the United Kingdom, and other international markets.
In the Business Insurance segment, Hartford underwrites workers’ compensation, commercial property, auto, liability, marine, and specialty lines (e.g., asbestos and environmental exposure) via a network of regional offices, independent agents, and wholesale partners. The segment’s 2023 combined ratio was 93.5%, indicating underwriting profitability before investment income.
The Personal Insurance segment focuses on auto, homeowners, and personal umbrella policies sold through direct-to-consumer channels and independent agents. As of Q2 2025, personal lines contributed roughly 22% of total written premium, with a modest loss-ratio compression driven by improved pricing discipline.
The Employee Benefits segment provides group life, disability, and ancillary coverages to employer groups, leveraging both direct policies and reinsurance arrangements. It also offers administration and leave-management solutions, distributing products through brokers, TPAs, and private exchanges. In 2023, employee-benefits premiums grew 5% year-over-year, reflecting steady demand for voluntary benefits amid a tight labor market.
Hartford Funds manages a suite of mutual funds and ETFs across equity, fixed-income, and alternative asset classes. Distribution channels include broker-dealers, financial advisors, and defined-contribution plans. The asset-under-management base reached $45 billion at year-end 2023, with an average expense ratio of 0.68% across the fund lineup.
Key financial drivers for HIG include its investment portfolio yield (approximately 4.2% in 2023), a return on equity of 11.5%, and a dividend yield near 2.6%. The company’s earnings are sensitive to interest-rate movements (which affect investment income) and to the commercial-line underwriting cycle, which can be amplified by climate-related loss trends.
For a deeper quantitative breakdown of HIG’s risk metrics and valuation multiples, the ValueRay platform provides a useful data hub.
HIG Stock Overview
| Market Cap in USD | 34,995m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | 1995-12-20 |
HIG Stock Ratings
| Growth Rating | 86.1% |
| Fundamental | 82.9% |
| Dividend Rating | 67.2% |
| Return 12m vs S&P 500 | -8.73% |
| Analyst Rating | 3.74 of 5 |
HIG Dividends
| Dividend Yield 12m | 1.67% |
| Yield on Cost 5y | 5.93% |
| Annual Growth 5y | 10.38% |
| Payout Consistency | 95.2% |
| Payout Ratio | 18.8% |
HIG Growth Ratios
| Growth Correlation 3m | 25.9% |
| Growth Correlation 12m | 83.4% |
| Growth Correlation 5y | 94.9% |
| CAGR 5y | 24.41% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.46 |
| CAGR/Mean DD 3y (Pain Ratio) | 5.68 |
| Sharpe Ratio 12m | 0.59 |
| Alpha | -7.90 |
| Beta | 0.680 |
| Volatility | 24.47% |
| Current Volume | 1559.6k |
| Average Volume 20d | 1453.9k |
| Stop Loss | 121.1 (-3%) |
| Signal | -0.27 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (3.25b TTM) > 0 and > 6% of Revenue (6% = 1.64b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA -0.85pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 36.30% (prev 45.73%; Δ -9.43pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 5.83b > Net Income 3.25b (YES >=105%, WARN >=100%) |
| Net Debt (4.20b) to EBITDA (4.41b) ratio: 0.95 <= 3.0 (WARN <= 3.5) |
| Current Ratio 17.18 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (287.7m) change vs 12m ago -4.07% (target <= -2.0% for YES) |
| Gross Margin 15.23% (prev 14.55%; Δ 0.68pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 35.05% (prev 35.14%; Δ -0.09pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 20.38 (EBITDA TTM 4.41b / Interest Expense TTM 199.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.34
| (A) 0.12 = (Total Current Assets 10.51b - Total Current Liabilities 612.0m) / Total Assets 83.64b |
| (B) 0.27 = Retained Earnings (Balance) 22.85b / Total Assets 83.64b |
| (C) 0.05 = EBIT TTM 4.05b / Avg Total Assets 77.81b |
| (D) 0.31 = Book Value of Equity 20.47b / Total Liabilities 66.12b |
| Total Rating: 2.34 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 82.92
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 16.08% = 5.0 |
| 3. FCF Margin 20.96% = 5.24 |
| 4. Debt/Equity 0.25 = 2.47 |
| 5. Debt/Ebitda 0.95 = 1.83 |
| 6. ROIC - WACC (= 7.75)% = 9.69 |
| 7. RoE 19.14% = 1.59 |
| 8. Rev. Trend 97.65% = 7.32 |
| 9. EPS Trend -24.61% = -1.23 |
What is the price of HIG shares?
Over the past week, the price has changed by -2.94%, over one month by -4.46%, over three months by +1.76% and over the past year by +5.76%.
Is Hartford Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HIG is around 136.80 USD . This means that HIG is currently overvalued and has a potential downside of 9.55%.
Is HIG a buy, sell or hold?
- Strong Buy: 4
- Buy: 6
- Hold: 9
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the HIG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 142.8 | 14.3% |
| Analysts Target Price | 142.8 | 14.3% |
| ValueRay Target Price | 151.4 | 21.2% |
Last update: 2025-10-20 03:54
HIG Fundamental Data Overview
P/E Trailing = 11.3043
P/E Forward = 9.7561
P/S = 1.2752
P/B = 2.1752
P/EG = 1.41
Beta = 0.68
Revenue TTM = 27.27b USD
EBIT TTM = 4.05b USD
EBITDA TTM = 4.41b USD
Long Term Debt = 4.37b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 4.37b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.20b USD (from netDebt column, last quarter)
Enterprise Value = 35.55b USD (34.99b + Debt 4.37b - CCE 3.81b)
Interest Coverage Ratio = 20.38 (Ebit TTM 4.05b / Interest Expense TTM 199.0m)
FCF Yield = 16.08% (FCF TTM 5.72b / Enterprise Value 35.55b)
FCF Margin = 20.96% (FCF TTM 5.72b / Revenue TTM 27.27b)
Net Margin = 11.90% (Net Income TTM 3.25b / Revenue TTM 27.27b)
Gross Margin = 15.23% ((Revenue TTM 27.27b - Cost of Revenue TTM 23.12b) / Revenue TTM)
Gross Margin QoQ = 18.55% (prev 11.99%)
Tobins Q-Ratio = 0.43 (Enterprise Value 35.55b / Total Assets 83.64b)
Interest Expense / Debt = 1.14% (Interest Expense 50.0m / Debt 4.37b)
Taxrate = 20.14% (251.0m / 1.25b)
NOPAT = 3.24b (EBIT 4.05b * (1 - 20.14%))
Current Ratio = 17.18 (Total Current Assets 10.51b / Total Current Liabilities 612.0m)
Debt / Equity = 0.25 (Debt 4.37b / totalStockholderEquity, last quarter 17.52b)
Debt / EBITDA = 0.95 (Net Debt 4.20b / EBITDA 4.41b)
Debt / FCF = 0.74 (Net Debt 4.20b / FCF TTM 5.72b)
Total Stockholder Equity = 16.95b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.88% (Net Income 3.25b / Total Assets 83.64b)
RoE = 19.14% (Net Income TTM 3.25b / Total Stockholder Equity 16.95b)
RoCE = 19.02% (EBIT 4.05b / Capital Employed (Equity 16.95b + L.T.Debt 4.37b))
RoIC = 15.43% (NOPAT 3.24b / Invested Capital 20.99b)
WACC = 7.68% (E(34.99b)/V(39.36b) * Re(8.52%) + D(4.37b)/V(39.36b) * Rd(1.14%) * (1-Tc(0.20)))
Discount Rate = 8.52% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.89%
[DCF Debug] Terminal Value 77.14% ; FCFE base≈5.64b ; Y1≈5.85b ; Y5≈6.69b
Fair Price DCF = 382.4 (DCF Value 107.52b / Shares Outstanding 281.2m; 5y FCF grow 3.94% → 3.0% )
EPS Correlation: -24.61 | EPS CAGR: -58.10% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.65 | Revenue CAGR: 8.52% | SUE: -0.46 | # QB: 0
Additional Sources for HIG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle