(HIG) Hartford Financial - Ratings and Ratios
Business Insurance, Personal Insurance, Employee Benefits, Mutual Funds, ETFs
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.95% |
| Yield on Cost 5y | 6.69% |
| Yield CAGR 5y | 10.38% |
| Payout Consistency | 93.3% |
| Payout Ratio | 17.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 19.1% |
| Value at Risk 5%th | 30.1% |
| Relative Tail Risk | -4.28% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.56 |
| Alpha | 5.62 |
| CAGR/Max DD | 1.46 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.504 |
| Beta | 0.521 |
| Beta Downside | 0.517 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.74% |
| Mean DD | 4.38% |
| Median DD | 3.41% |
Description: HIG Hartford Financial September 29, 2025
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.
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 |
| (C) 0.05 = EBIT TTM 4.47b / Avg Total Assets 83.11b |
| (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) 90.41
| 1. Piotroski 5.50pt |
| 2. FCF Yield 15.74% |
| 3. FCF Margin 21.26% |
| 4. Debt/Equity 0.24 |
| 5. Debt/Ebitda 0.88 |
| 6. ROIC - WACC (= 9.96)% |
| 7. RoE 20.55% |
| 8. Rev. Trend 95.78% |
| 9. EPS Trend 76.83% |
What is the price of HIG shares?
Over the past week, the price has changed by +3.94%, over one month by +9.94%, over three months by +3.84% and over the past year by +13.92%.
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 | 142.1 | 3.4% |
| Analysts Target Price | 142.1 | 3.4% |
| ValueRay Target Price | 169 | 23% |
HIG Fundamental Data Overview November 20, 2025
P/E Trailing = 10.8936
P/E Forward = 9.8814
P/S = 1.3407
P/B = 2.0313
P/EG = 1.41
Beta = 0.637
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 = 37.43b USD (37.43b + Debt 4.37b - CCE 4.37b)
Interest Coverage Ratio = 22.36 (Ebit TTM 4.47b / Interest Expense TTM 200.0m)
FCF Yield = 15.74% (FCF TTM 5.89b / Enterprise Value 37.43b)
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 = 0.44 (Enterprise Value 37.43b / 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 = 7.20% (E(37.43b)/V(41.80b) * Re(7.93%) + D(4.37b)/V(41.80b) * Rd(1.14%) * (1-Tc(0.18)))
Discount Rate = 7.93% (= 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 = 451.9 (DCF Value 125.94b / Shares Outstanding 278.7m; 5y FCF grow 6.52% → 3.0% )
EPS Correlation: 76.83 | EPS CAGR: 18.19% | SUE: 2.81 | # QB: 2
Revenue Correlation: 95.78 | Revenue CAGR: 5.65% | SUE: -0.73 | # QB: 0
Additional Sources for HIG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle