(HIG) Hartford Financial - Overview

Sector: Financial Services | Industry: Insurance - Diversified | Exchange: NYSE (USA) | Market Cap: 37.554m USD | Total Return: 12.2% in 12m

Stock Insurance, Investments, Annuities, Retirement
Total Rating 51
Safety 78
Buy Signal 0.39
Insurance - Diversified -1.1
Multi-line Insurance +0.5
Market Cap: 37,554m
Avg Trading Vol: 184M USD
ATR: 2.03%
Peers RS (IBD): 63.3
Risk 5d forecast
Volatility19.7%
Rel. Tail Risk-3.40%
Reward TTM
Sharpe Ratio0.41
Alpha2.23
Character TTM
Beta0.426
Beta Downside0.685
Drawdowns 3y
Max DD13.72%
CAGR/Max DD2.03
EPS (Earnings per Share) EPS (Earnings per Share) of HIG over the last years for every Quarter: "2021-03": 0.56, "2021-06": 2.33, "2021-09": 1.26, "2021-12": 2.02, "2022-03": 1.66, "2022-06": 2.15, "2022-09": 1.44, "2022-12": 2.31, "2023-03": 1.68, "2023-06": 1.88, "2023-09": 2.29, "2023-12": 3.06, "2024-03": 2.34, "2024-06": 2.5, "2024-09": 2.53, "2024-12": 2.94, "2025-03": 2.2, "2025-06": 3.41, "2025-09": 3.78, "2025-12": 4.06, "2026-03": 0,
EPS CAGR: -46.23%
EPS Trend: 3.4%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of HIG over the last years for every Quarter: 2021-03: 5299, 2021-06: 5589, 2021-09: 5686, 2021-12: 5816, 2022-03: 5393, 2022-06: 5373, 2022-09: 5580, 2022-12: 6016, 2023-03: 5884, 2023-06: 6022, 2023-09: 6101, 2023-12: 6323, 2024-03: 6400, 2024-06: 6470, 2024-09: 6714, 2024-12: 6800, 2025-03: 6810, 2025-06: 6987, 2025-09: 7232, 2025-12: 7312, 2026-03: null,
Rev. CAGR: 8.46%
Rev. Trend: 98.7%
Last SUE: -0.43
Qual. Beats: 0
Description: HIG Hartford Financial

Hartford Financial Services Group (HIG) is a multi-line insurer operating in the United States, UK, and internationally. The company provides a range of insurance products, including workers compensation, property, and auto insurance. Multi-line insurers diversify risk across various insurance types.

HIGs business model includes distinct segments: Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds. The Employee Benefits segment offers group life and disability coverage, a common offering in the insurance sector for employer-sponsored plans.

Distribution channels include independent agents, brokers, and direct sales. The Hartford Funds segment provides managed mutual funds and exchange-traded funds, indicating a presence in asset management alongside its core insurance operations. This integration of insurance and asset management is typical for larger financial services groups.

To deepen your understanding of HIGs performance metrics, consider exploring its financials on ValueRay.

Headlines to Watch Out For
  • Commercial lines premium growth drives revenue
  • Catastrophe losses impact underwriting profitability
  • Investment income sensitive to interest rate changes
  • Regulatory changes affect insurance product offerings
Piotroski VR‑10 (Strict) 6.0
Net Income: 3.84b TTM > 0 and > 6% of Revenue
FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.43 > 1.0
NWC/Revenue: 35.95% < 20% (prev 36.52%; Δ -0.56% < -1%)
CFO/TA 0.07 > 3% & CFO 5.92b > Net Income 3.84b
Net Debt (4.24b) to EBITDA (5.36b): 0.79 < 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 4.61k% > 0.5%)
Asset Turnover: 33.96% > 50% (prev 32.61%; Δ 1.35% > 0%)
Interest Coverage Ratio: 24.92 > 6 (EBITDA TTM 5.36b / Interest Expense TTM 199.0m)
Altman Z'' 2.47
A: 0.12 (Total Current Assets 10.80b - Total Current Liabilities 612.0m) / Total Assets 86.00b
B: 0.29 (Retained Earnings 24.74b / Total Assets 86.00b)
C: 0.06 (EBIT TTM 4.96b / Avg Total Assets 83.46b)
D: 0.34 (Book Value of Equity 22.68b / Total Liabilities 67.02b)
Altman-Z'' Score: 2.47 = A
Beneish M -3.62
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: -0.02 (NI 3.84b - CFO 5.92b) / TA 86.00b)
Beneish M-Score: -3.62 (Cap -4..+1) = AAA
What is the price of HIG shares? As of April 04, 2026, the stock is trading at USD 135.23 with a total of 781,816 shares traded.
Over the past week, the price has changed by +2.92%, over one month by -3.47%, over three months by -0.71% and over the past year by +12.18%.
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.
  • StrongBuy: 4
  • Buy: 6
  • Hold: 9
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the HIG price?
Wallstreet Target Price 150.2 11%
Analysts Target Price 150.2 11%
HIG Fundamental Data Overview as of 03 April 2026
P/E Trailing = 10.1089
P/E Forward = 9.8425
P/S = 1.3234
P/B = 1.9922
P/EG = 0.1186
Revenue TTM = 28.34b USD
EBIT TTM = 4.96b USD
EBITDA TTM = 5.36b 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 = 4.24b USD (from netDebt column, last quarter)
Enterprise Value = 37.44b USD (37.55b + Debt 4.37b - CCE 4.49b)
Interest Coverage Ratio = 24.92 (Ebit TTM 4.96b / Interest Expense TTM 199.0m)
EV/FCF = 6.51x (Enterprise Value 37.44b / FCF TTM 5.75b)
FCF Yield = 15.37% (FCF TTM 5.75b / Enterprise Value 37.44b)
FCF Margin = 20.30% (FCF TTM 5.75b / 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 = 0.44 (Enterprise Value 37.44b / Total Assets 86.00b)
Interest Expense / Debt = 1.12% (Interest Expense 49.0m / Debt 4.37b)
Taxrate = 19.96% (282.0m / 1.41b)
NOPAT = 3.97b (EBIT 4.96b * (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 = 0.79 (Net Debt 4.24b / EBITDA 5.36b)
Debt / FCF = 0.74 (Net Debt 4.24b / FCF TTM 5.75b)
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 = 22.22% (EBIT 4.96b / Capital Employed (Equity 17.95b + L.T.Debt 4.37b))
RoIC = 18.06% (NOPAT 3.97b / Invested Capital 21.98b)
WACC = 6.79% (E(37.55b)/V(41.92b) * Re(7.48%) + D(4.37b)/V(41.92b) * Rd(1.12%) * (1-Tc(0.20)))
Discount Rate = 7.48% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -3.76%
[DCF] Terminal Value 83.77% ; FCFF base≈5.76b ; Y1≈6.10b ; Y5≈7.26b
[DCF] Fair Price = 598.6 (EV 169.36b - Net Debt 4.24b = Equity 165.13b / Shares 275.9m; r=6.79% [WACC]; 5y FCF grow 6.52% → 3.0% )
EPS Correlation: 3.39 | EPS CAGR: -46.23% | SUE: -4.0 | # QB: 0
Revenue Correlation: 98.68 | Revenue CAGR: 8.46% | SUE: -0.43 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.37 | Chg7d=-0.003 | Chg30d=-0.003 | Revisions Net=+0 | Analysts=19
EPS current Year (2026-12-31): EPS=13.42 | Chg7d=-0.003 | Chg30d=-0.003 | Revisions Net=+0 | Growth EPS=-0.0% | Growth Revenue=+5.1%
EPS next Year (2027-12-31): EPS=14.49 | Chg7d=-0.002 | Chg30d=-0.001 | Revisions Net=+1 | Growth EPS=+8.0% | Growth Revenue=+4.1%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.0% (Discount Rate 7.9% - Earnings Yield 9.9%)
[Growth] Growth Spread = +7.7% (Analyst 5.8% - Implied -2.0%)
External Resources
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