(HIG) Hartford Financial - Overview

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

Stock:

Total Rating 55

Risk 82

Buy Signal 0.49

Insurance - Diversified +10.9
Multi-line Insurance +16.3

Market Cap: 39,278m
Avg Trading Vol: 230M USD

ATR: 1.86%
Peers RS (IBD): 66.67

Risk 5d forecast
Volatility	18.4%
Relative Tail Risk	-4.16%

Reward TTM
Sharpe Ratio	0.88
Alpha	12.72

Character TTM
Beta	0.446
Beta Downside	0.565

Drawdowns 3y
Max DD	15.95%
CAGR/Max DD	1.55

EPS (Earnings per Share)

EPS CAGR: 26.93%
EPS Trend: 80.1%

Last SUE: 2.73
Qual. Beats: 3

Revenue

Rev. CAGR: 8.46%
Rev. Trend: 98.7%

Last SUE: -0.43
Qual. Beats: 0

Description: HIG Hartford Financial

The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

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 4608 % > 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 03, 2026, the stock is trading at USD 141.86 with a total of 1,127,477 shares traded.
Over the past week, the price has changed by +1.37%, over one month by +3.86%, over three months by +5.45% and over the past year by +20.43%.

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	6.3%
Analysts Target Price	150.9	6.3%

HIG Fundamental Data Overview February 28, 2026

P/E Trailing = 10.5728
P/E Forward = 10.1833
P/S = 1.3842
P/B = 2.0951
P/EG = 1.41
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 = 39.16b USD (39.28b + Debt 4.37b - CCE 4.49b)
Interest Coverage Ratio = 24.92 (Ebit TTM 4.96b / Interest Expense TTM 199.0m)
EV/FCF = 6.81x (Enterprise Value 39.16b / FCF TTM 5.75b)
FCF Yield = 14.69% (FCF TTM 5.75b / Enterprise Value 39.16b)
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 = 0.46 (Enterprise Value 39.16b / 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 = 18.34% (NOPAT 3.97b / Invested Capital 21.64b)
WACC = 6.89% (E(39.28b)/V(43.65b) * Re(7.56%) + D(4.37b)/V(43.65b) * Rd(1.12%) * (1-Tc(0.20)))
Discount Rate = 7.56% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.76%
[DCF] Terminal Value 83.01% ; FCFF base≈5.76b ; Y1≈6.10b ; Y5≈7.24b
[DCF] Fair Price = 566.5 (EV 161.10b - Net Debt 4.24b = Equity 156.87b / Shares 276.9m; r=6.89% [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=+0.005 | Chg30d=+0.032 | Revisions Net=+6 | Analysts=19
EPS current Year (2026-12-31): EPS=13.42 | Chg7d=+0.013 | Chg30d=+0.142 | Revisions Net=+8 | Growth EPS=+0.0% | Growth Revenue=+5.1%
EPS next Year (2027-12-31): EPS=14.49 | Chg7d=+0.000 | Chg30d=+0.160 | Revisions Net=+12 | Growth EPS=+8.0% | Growth Revenue=+4.1%
[Analyst] Revisions Ratio: +0.38 (11 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.5% (Discount Rate 7.9% - Earnings Yield 9.5%)
[Growth] Growth Spread = +7.3% (Analyst 5.8% - Implied -1.5%)

Additional Sources for HIG Stock

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