(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

Stock: Multi-line Insurance
Age 30.1y

MCap 38,003m
Avg Vol 1.33M (180M USD)

Beta 0.486
Volatility 20.35%

EPS (Earnings per Share)

EPS CAGR: -42.97%
EPS Trend: 1.2%

Last SUE: -4.00
Qual. Beats: 0

Revenue

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

Last SUE: -0.73
Qual. Beats: 0

Dividends

Dividend Yield	1.66%
Yield on Cost 5y	4.55%
Yield CAGR 5y	10.76%
Payout Consistency	95.4%
Payout Ratio	17.5%

Risk via 5d forecast
Volatility	20.4%
Value at Risk 5%th	31.6%
Relative Tail Risk	-5.55%

Reward TTM
Sharpe Ratio	0.67
Alpha	7.59
CAGR/Max DD	1.35

Character TTM
Hurst Exponent	0.618
Beta	0.486
Beta Downside	0.492

Drawdowns 3y
Max DD	16.30%
Mean DD	4.24%
Median DD	3.40%

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) 86.67

1. Piotroski 5.50pt

2. FCF Yield 15.50%

3. FCF Margin 21.26%

4. Debt/Equity 0.24

5. Debt/Ebitda 0.88

6. ROIC - WACC (= 10.14)%

7. RoE 20.55%

8. Rev. Trend 95.72%

9. EPS Trend 1.17%

What is the price of HIG shares?

As of January 18, 2026, the stock is trading at USD 129.59 with a total of 1,072,873 shares traded.
Over the past week, the price has changed by -4.90%, over one month by -5.94%, over three months by +4.98% and over the past year by +17.17%.

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	145.6	12.3%
Analysts Target Price	145.6	12.3%
ValueRay Target Price	161.9	24.9%

HIG Fundamental Data Overview January 13, 2026

P/E Trailing = 11.1506
P/E Forward = 10.0
P/S = 1.3613
P/B = 2.0978
P/EG = 1.41
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 = 38.00b USD (38.00b + Debt 4.37b - CCE 4.37b)
Interest Coverage Ratio = 22.36 (Ebit TTM 4.47b / Interest Expense TTM 200.0m)
EV/FCF = 6.45x (Enterprise Value 38.00b / FCF TTM 5.89b)
FCF Yield = 15.50% (FCF TTM 5.89b / Enterprise Value 38.00b)
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 = 0.45 (Enterprise Value 38.00b / 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 = 4.28% (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 = 7.02% (E(38.00b)/V(42.37b) * Re(7.72%) + D(4.37b)/V(42.37b) * Rd(1.14%) * (1-Tc(0.18)))
Discount Rate = 7.72% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.35%
[DCF Debug] Terminal Value 82.52% ; FCFF base≈5.71b ; Y1≈6.04b ; Y5≈7.18b
Fair Price DCF = 539.5 (EV 154.68b - Net Debt 4.22b = Equity 150.46b / Shares 278.9m; r=7.02% [WACC]; 5y FCF grow 6.52% → 2.90% )
EPS Correlation: 1.17 | EPS CAGR: -42.97% | SUE: -4.0 | # QB: 0
Revenue Correlation: 95.72 | Revenue CAGR: 5.65% | SUE: -0.73 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.32 | Chg30d=+0.003 | Revisions Net=+1 | Analysts=17
EPS next Year (2026-12-31): EPS=13.28 | Chg30d=+0.045 | Revisions Net=+2 | Growth EPS=+5.4% | Growth Revenue=+6.4%

Additional Sources for HIG Stock

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