Overview Dividends

(HIG) Hartford Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4165151048

Commercial Insurance, Personal Insurance, Employee Benefits, Mutual Funds, ETFs

Multi-line Insurance
Market Cap in USD: 38,921m

IPO / Inception: 1995-12-20
Return 12m vs S&P 500: 9.40%

EPS (Earnings per Share)

EPS CAGR: 18.19%
EPS Trend: 73.0%

Last SUE: 2.81
Qual. Beats: 2

Revenue

Rev. CAGR: 5.65%
Rev. Trend: 95.7%

Last SUE: -0.73
Qual. Beats: 0

Dividends

Dividend Yield	1.56%
Yield on Cost 5y	4.97%
Yield CAGR 5y	10.38%
Payout Consistency	93.3%
Payout Ratio	17.5%

Risk via 5d forecast
Volatility	19.1%
Value at Risk 5%th	29.6%
Relative Tail Risk	-5.89%

Reward TTM
Sharpe Ratio	1.06
Alpha	17.72
CAGR/Max DD	1.49

Character TTM
Hurst Exponent	0.457
Beta	0.498
Beta Downside	0.528

Drawdowns 3y
Max DD	16.74%
Mean DD	4.40%
Median DD	3.45%

Description: HIG Hartford Financial December 04, 2025

The Hartford Insurance Group, Inc. (NYSE:HIG) operates four primary businesses: (1) Business Insurance, which underwrites a broad suite of commercial coverages-including workers’ compensation, property, liability, marine and reinsurance-through a network of regional offices, agents and brokers; (2) Personal Insurance, focused on auto, homeowners and personal umbrella policies sold both directly and via independent agents; (3) Employee Benefits, delivering group life, disability, voluntary benefits and leave-management solutions to employers and associations; and (4) Hartford Funds, which manages mutual funds and ETFs across multiple asset classes and provides related investment-management services.

Key performance indicators from the most recent fiscal year show a combined ratio of roughly 96% in the commercial lines segment, indicating modest underwriting profitability, while the Personal Insurance segment posted a loss ratio near 71% and a combined ratio just under 100%, reflecting pricing pressure from rising auto repair costs. Net income for 2023 was about $1.5 billion, yielding a return on equity (ROE) of ~11%, and the company’s investment portfolio benefitted from a higher-for-longer interest-rate environment, a sector driver that can boost investment income but also raises the cost of policyholder claims tied to inflation. The firm’s exposure to U.S. economic cycles-particularly small-business employment trends that affect workers’ compensation and group-benefits volumes-remains a material risk factor.

For a deeper dive into HIG’s valuation metrics and scenario analysis, you might explore the research available on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (3.56b TTM) > 0 and > 6% of Revenue (6% = 1.66b TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA 0.25pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 37.21% (prev 37.54%; Δ -0.32pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 5.99b > Net Income 3.56b (YES >=105%, WARN >=100%)

Net Debt (4.22b) to EBITDA (4.82b) ratio: 0.88 <= 3.0 (WARN <= 3.5)

Current Ratio 17.79 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (285.0m) change vs 12m ago -4.20% (target <= -2.0% for YES)

Gross Margin 16.14% (prev 14.86%; Δ 1.28pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 33.34% (prev 31.90%; Δ 1.44pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 22.36 (EBITDA TTM 4.82b / Interest Expense TTM 200.0m) >= 6 (WARN >= 3)

Altman Z'' 2.41

(A) 0.12 = (Total Current Assets 10.92b - Total Current Liabilities 614.0m) / Total Assets 85.00b

(B) 0.28 = Retained Earnings (Balance) 23.78b / Total Assets 85.00b

(D) 0.33 = Book Value of Equity 21.78b / Total Liabilities 66.55b

Total Rating: 2.41 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 90.26

1. Piotroski 5.50pt

2. FCF Yield 15.14%

3. FCF Margin 21.26%

4. Debt/Equity 0.24

5. Debt/Ebitda 0.88

6. ROIC - WACC (= 10.01)%

7. RoE 20.55%

8. Rev. Trend 95.72%

9. EPS Trend 73.01%

What is the price of HIG shares?

As of December 27, 2025, the stock is trading at USD 138.67 with a total of 403,669 shares traded.
Over the past week, the price has changed by -0.24%, over one month by +1.38%, over three months by +4.64% and over the past year by +27.06%.

Is HIG a buy, sell or hold?

Hartford Financial has received a consensus analysts rating of 3.74. Therefor, it is recommend to hold HIG.

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	143.6	3.6%
Analysts Target Price	143.6	3.6%
ValueRay Target Price	173.8	25.3%

HIG Fundamental Data Overview December 24, 2025

Market Cap USD = 38.92b (38.92b USD * 1.0 USD.USD)
P/E Trailing = 11.3733
P/E Forward = 10.1937
P/S = 1.3942
P/B = 2.1401
P/EG = 1.41
Beta = 0.629
Revenue TTM = 27.70b USD
EBIT TTM = 4.47b USD
EBITDA TTM = 4.82b 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 = 4.22b USD (from netDebt column, last quarter)
Enterprise Value = 38.92b USD (38.92b + Debt 4.37b - CCE 4.37b)
Interest Coverage Ratio = 22.36 (Ebit TTM 4.47b / Interest Expense TTM 200.0m)
FCF Yield = 15.14% (FCF TTM 5.89b / Enterprise Value 38.92b)
FCF Margin = 21.26% (FCF TTM 5.89b / Revenue TTM 27.70b)
Net Margin = 12.84% (Net Income TTM 3.56b / Revenue TTM 27.70b)
Gross Margin = 16.14% ((Revenue TTM 27.70b - Cost of Revenue TTM 23.23b) / Revenue TTM)
Gross Margin QoQ = 18.20% (prev 18.55%)
Tobins Q-Ratio = 0.46 (Enterprise Value 38.92b / Total Assets 85.00b)
Interest Expense / Debt = 1.14% (Interest Expense 50.0m / Debt 4.37b)
Taxrate = 18.06% (238.0m / 1.32b)
NOPAT = 3.66b (EBIT 4.47b * (1 - 18.06%))
Current Ratio = 17.79 (Total Current Assets 10.92b / Total Current Liabilities 614.0m)
Debt / Equity = 0.24 (Debt 4.37b / totalStockholderEquity, last quarter 18.45b)
Debt / EBITDA = 0.88 (Net Debt 4.22b / EBITDA 4.82b)
Debt / FCF = 0.72 (Net Debt 4.22b / FCF TTM 5.89b)
Total Stockholder Equity = 17.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.19% (Net Income 3.56b / Total Assets 85.00b)
RoE = 20.55% (Net Income TTM 3.56b / Total Stockholder Equity 17.31b)
RoCE = 20.62% (EBIT 4.47b / Capital Employed (Equity 17.31b + L.T.Debt 4.37b))
RoIC = 17.16% (NOPAT 3.66b / Invested Capital 21.35b)
WACC = 7.15% (E(38.92b)/V(43.29b) * Re(7.85%) + D(4.37b)/V(43.29b) * Rd(1.14%) * (1-Tc(0.18)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -3.35%
[DCF Debug] Terminal Value 79.11% ; FCFE base≈5.71b ; Y1≈6.04b ; Y5≈7.19b
Fair Price DCF = 451.5 (DCF Value 125.94b / Shares Outstanding 278.9m; 5y FCF grow 6.52% → 3.0% )
EPS Correlation: 73.01 | EPS CAGR: 18.19% | SUE: 2.81 | # QB: 2
Revenue Correlation: 95.72 | Revenue CAGR: 5.65% | SUE: -0.73 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.32 | Chg30d=+0.010 | Revisions Net=+1 | Analysts=17
EPS next Year (2026-12-31): EPS=13.26 | Chg30d=+0.078 | Revisions Net=+2 | Growth EPS=+5.5% | Growth Revenue=+6.0%

Additional Sources for HIG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle