(HIG) Hartford Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4165151048
Stock: Insurance, Investments, Annuities, Retirement
Total Rating 49
Risk 76
Buy Signal -0.21
| Risk 5d forecast | |
|---|---|
| Volatility | 19.9% |
| Relative Tail Risk | -4.45% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.44 |
| Alpha | 1.77 |
| Character TTM | |
|---|---|
| Beta | 0.434 |
| Beta Downside | 0.634 |
| Drawdowns 3y | |
|---|---|
| Max DD | 13.72% |
| CAGR/Max DD | 2.09 |
EPS (Earnings per Share)
Revenue
Description: HIG Hartford Financial March 05, 2026
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, 0-10) 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 March 20, 2026, the stock is trading at USD 131.36 with a total of 1,487,613 shares traded.
Over the past week, the price has changed by -2.27%, over one month by -5.98%, over three months by -5.10% and over the past year by +11.61%.
Over the past week, the price has changed by -2.27%, over one month by -5.98%, over three months by -5.10% and over the past year by +11.61%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 150.9 | 14.8% |
| Analysts Target Price | 150.9 | 14.8% |
HIG Fundamental Data Overview March 20, 2026
P/E Trailing = 9.9632
P/E Forward = 9.5969
P/S = 1.3044
P/B = 2.0023
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 = 36.90b USD (37.01b + Debt 4.37b - CCE 4.49b)
Interest Coverage Ratio = 24.92 (Ebit TTM 4.96b / Interest Expense TTM 199.0m)
EV/FCF = 6.41x (Enterprise Value 36.90b / FCF TTM 5.75b)
FCF Yield = 15.59% (FCF TTM 5.75b / Enterprise Value 36.90b)
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 = 0.43 (Enterprise Value 36.90b / 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 = 6.81% (E(37.01b)/V(41.38b) * Re(7.51%) + D(4.37b)/V(41.38b) * Rd(1.12%) * (1-Tc(0.20)))
Discount Rate = 7.51% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.76%
[DCF] Terminal Value 83.32% ; FCFF base≈5.76b ; Y1≈6.10b ; Y5≈7.24b
[DCF] Fair Price = 580.8 (EV 164.46b - Net Debt 4.24b = Equity 160.22b / Shares 275.9m; r=6.81% [WACC]; 5y FCF grow 6.52% → 2.90% )
EPS Correlation: 80.06 | EPS CAGR: 26.93% | SUE: 2.73 | # QB: 3
Revenue Correlation: 98.68 | Revenue CAGR: 8.46% | SUE: -0.43 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.37 | Chg7d=+0.002 | Chg30d=-0.003 | Revisions Net=+7 | Analysts=19
EPS current Year (2026-12-31): EPS=13.42 | Chg7d=+0.004 | Chg30d=+0.029 | Revisions Net=+10 | Growth EPS=+0.0% | Growth Revenue=+5.1%
EPS next Year (2027-12-31): EPS=14.49 | Chg7d=+0.000 | Chg30d=+0.046 | Revisions Net=+12 | Growth EPS=+8.0% | Growth Revenue=+4.1%
[Analyst] Revisions Ratio: +0.41 (12 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.1% (Discount Rate 7.9% - Earnings Yield 10.0%)
[Growth] Growth Spread = +7.9% (Analyst 5.8% - Implied -2.1%)
P/E Forward = 9.5969
P/S = 1.3044
P/B = 2.0023
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 = 36.90b USD (37.01b + Debt 4.37b - CCE 4.49b)
Interest Coverage Ratio = 24.92 (Ebit TTM 4.96b / Interest Expense TTM 199.0m)
EV/FCF = 6.41x (Enterprise Value 36.90b / FCF TTM 5.75b)
FCF Yield = 15.59% (FCF TTM 5.75b / Enterprise Value 36.90b)
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 = 0.43 (Enterprise Value 36.90b / 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 = 6.81% (E(37.01b)/V(41.38b) * Re(7.51%) + D(4.37b)/V(41.38b) * Rd(1.12%) * (1-Tc(0.20)))
Discount Rate = 7.51% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.76%
[DCF] Terminal Value 83.32% ; FCFF base≈5.76b ; Y1≈6.10b ; Y5≈7.24b
[DCF] Fair Price = 580.8 (EV 164.46b - Net Debt 4.24b = Equity 160.22b / Shares 275.9m; r=6.81% [WACC]; 5y FCF grow 6.52% → 2.90% )
EPS Correlation: 80.06 | EPS CAGR: 26.93% | SUE: 2.73 | # QB: 3
Revenue Correlation: 98.68 | Revenue CAGR: 8.46% | SUE: -0.43 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.37 | Chg7d=+0.002 | Chg30d=-0.003 | Revisions Net=+7 | Analysts=19
EPS current Year (2026-12-31): EPS=13.42 | Chg7d=+0.004 | Chg30d=+0.029 | Revisions Net=+10 | Growth EPS=+0.0% | Growth Revenue=+5.1%
EPS next Year (2027-12-31): EPS=14.49 | Chg7d=+0.000 | Chg30d=+0.046 | Revisions Net=+12 | Growth EPS=+8.0% | Growth Revenue=+4.1%
[Analyst] Revisions Ratio: +0.41 (12 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.1% (Discount Rate 7.9% - Earnings Yield 10.0%)
[Growth] Growth Spread = +7.9% (Analyst 5.8% - Implied -2.1%)