HIG Stock Analysis: Hartford Financial | NYSE

Workers Compensation, Auto Insurance, Mutual Funds, Reinsurance

Total Rating 39

Safety 66

Buy Signal -0.84

Insurance - Diversified
Industry Rotation: -5.6

Market Cap: 33.1B
Avg Turnover: 232M

Risk 3d forecast

Volatility19.5%

VaR 5^th Pctl3.43%

VaR vs Median6.57%

Reward TTM

Sharpe Ratio-0.16

Rel. Str. IBD28.2

Rel. Str. Peer Group7.1

Character TTM

Beta0.014

Beta Downside-0.105

Hurst Exponent0.600

Drawdowns 3y

Max DD15.64%

CAGR/Max DD1.61

CAGR/Mean DD7.00

EPS (Earnings per Share)

EPS CAGR: 21.58%
EPS Trend: 96.7%

Last SUE: 0.83
Qual. Beats: 0

Revenue

Rev. CAGR: 7.48%
Rev. Trend: 99.8%

Last SUE: 1.17
Qual. Beats: 1

Warnings

Below Avwap Earnings

Below Sma 200d

Tailwinds

No distinct edge detected

Seasonality 11.7 years of data

Jan -0.4% 5

Feb +2.6% 22

Mar +0.3% 7

Apr -1.1% 8

May +0.3% 8

Jun -1.1% 18

Jul +1.8% 17

Aug -1.0% 21

Sep -0.2% 5

Oct -1.3% 14

Nov +4.8% 66

Dec -0.6% 14

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: HIG Hartford Financial

The Hartford Financial Services Group (HIG) is a U.S.-based insurance and financial services company founded in 1810 and headquartered in Hartford, Connecticut. It operates through five segments: Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds, serving customers in the United States, the United Kingdom, and other international markets.

The company offers a broad portfolio of insurance products, including workers compensation, property, automobile, liability, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance for businesses, as well as auto, homeowners, and personal umbrella coverage for individuals. Its Employee Benefits segment provides group life, disability, and leave management solutions to employer groups, associations, and affinity groups. Through Hartford Funds, the company manages mutual funds and exchange-traded funds across multiple asset classes and offers investment management, distribution, and administrative services.

Distribution is carried out through a multi-channel network that includes regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, reinsurance brokers, third-party administrators, broker-dealers, and financial advisers. As a multi-line insurer, Hartford combines property & casualty and group benefits underwriting under one corporate structure, allowing it to diversify risk across commercial, personal, and life/health lines while leveraging shared distribution relationships.

Headlines to Watch Out For

Commercial lines pricing holds as workers comp margins expand
Catastrophe losses and reinsurance costs pressure property results
Hartford Funds AUM swings with equity market levels
Net investment income rises as rates lift portfolio yields
Share buybacks continue amid strong excess capital position

Piotroski VR-10 (Strict) 5.5

Net Income: 4.37b TTM > 0 and > 6% of Revenue
FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.16 > 1.0
NWC/Revenue: 35.80% < 20% (prev 36.25%; Δ -0.45% < -1%)
CFO/TA 0.07 > 3% & CFO 5.88b > Net Income 4.37b
Net Debt (383.0m) to EBITDA (4.90b): 0.08 < 3
Current Ratio: 18.15 > 1.5 & < 3
Outstanding Shares: last quarter (282.6m) vs 12m ago -1.77% < -2%
Gross Margin: 43.95% > 18% (prev 29.77%; Δ 14.17% > 0.5%)
Asset Turnover: 33.83% > 50% (prev 32.65%; Δ 1.18% > 0%)
Interest Coverage Ratio: 22.94 > 6 (EBIT TTM 4.57b / Interest Expense TTM 199.0m)

Altman Z'' 2.42

A: 0.12 (Total Current Assets 11.0b - Total Current Liabilities 606.0m) / Total Assets 88.0b
B: 0.30 (Retained Earnings 26.6b / Total Assets 88.0b)
C: 0.05 (EBIT TTM 4.57b / Avg Total Assets 85.8b)
D: 0.29 (Book Value of Equity 19.6b / Total Liabilities 68.3b)
Altman-Z'' = 2.42 = A

Beneish M -3.70

DSRI: 0.48 (Receivables 7.01b/13.8b, Revenue 29.0b/27.3b)
GMI: 0.68 (GM 29.77% / 43.95%)
AQI: 1.00 (AQ_t 0.87 / AQ_t-1 0.86)
SGI: 1.06 (Revenue 29.0b / 27.3b)
TATA: -0.02 (NI 4.37b - CFO 5.88b) / TA 88.0b)
Beneish M = -3.70 (Cap -4..+1) = AAA

What is the price of HIG shares?

As of October 10, 2026, the stock is trading at USD 129.48 with a total of 1,619,672 shares traded. Over the past week, the price has changed by +2.97%, over one month by -4.56%, over three months by -6.26% and over the past year by -0.91%.

Current recommended Stop Loss: 126.10 (which is 2.6% or 1.4 ATR below the current price).

Is HIG a buy, sell or hold?

Hartford Financial has received a consensus analysts rating of 3.74. Therefore, it is recommended to hold HIG.

StrongBuy: 4
Buy: 6
Hold: 9
Sell: 0
StrongSell: 0

What are the forecasts/targets for the HIG price?

Analysts Target Price	149.4	15.4%

Hartford Financial (HIG) - Fundamental Data Overview as of 02 October 2026

Market Cap USD = 33.1b (33.1b USD * 1.0 USD.USD)
P/E Trailing = 8.4444
P/E Forward = 9.2166
P/S = 1.1306
P/B = 1.7768
P/EG = 0.1186
Revenue TTM = 29.0b USD
EBIT TTM = 4.57b USD
EBITDA TTM = 4.90b 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 = 383.0m USD (calculated: Debt 4.37b - CCE 3.99b)
Enterprise Value = 33.5b USD (33.1b + Debt 4.37b - CCE 3.99b)
Interest Coverage Ratio = 22.94 (Ebit TTM 4.57b / Interest Expense TTM 199.0m)
EV/FCF = 5.71x (Enterprise Value 33.5b / FCF TTM 5.87b)
FCF Yield = 17.52% (FCF TTM 5.87b / Enterprise Value 33.5b)
FCF Margin = 20.23% (FCF TTM 5.87b / Revenue TTM 29.0b)
Net Margin = 15.03% (Net Income TTM 4.37b / Revenue TTM 29.0b)
Gross Margin = 43.95% ((Revenue TTM 29.0b - Cost of Revenue TTM 16.3b) / Revenue TTM)
Gross Margin QoQ = 34.60% (prev 44.67%)
Tobins Q-Ratio = 0.38 (Enterprise Value 33.5b / Total Assets 88.0b)
Interest Expense / Debt = 4.55% (Interest Expense 199.0m / Debt 4.37b)
Taxrate = 19.37% (972.0m / 5.02b)
NOPAT = 3.68b (EBIT 4.57b * (1 - 19.37%))
Current Ratio = 18.15 (Total Current Assets 11.0b / Total Current Liabilities 606.0m)
Debt / Equity = 0.22 (Debt 4.37b / totalStockholderEquity, last quarter 19.6b)
Debt / EBITDA = 0.08 (Net Debt 383.0m / EBITDA 4.90b)
Debt / FCF = 0.07 (Net Debt 383.0m / FCF TTM 5.87b)
Total Stockholder Equity = 19.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.09% (Net Income 4.37b / Total Assets 88.0b)
RoE = 22.99% (Net Income TTM 4.37b / Total Stockholder Equity 19.0b)
RoCE = 19.54% (EBIT 4.57b / Capital Employed (Equity 19.0b + L.T.Debt 4.37b))
RoIC = 4.28% (NOPAT 3.68b / Invested Capital 85.9b)
WACC = 5.75% (E(33.1b)/V(37.5b) * Re(6.03%) + D(4.37b)/V(37.5b) * Rd(4.55%) * (1-Tc(0.19)))
Discount Rate = 6.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.10 | Cagr: -2.99%
[DCF] Terminal Value 75.80% ; FCFF base≈5.81b ; Y1≈5.97b ; Y5≈6.61b
[DCF] Fair Price = 376.5 (EV 102b - Net Debt 383.0m = Equity 102b / Shares 270.9m; r=8.35% [WACC [floored]]; 5y FCF grow 2.75% → 2.50% )
EPS Correlation: 96.72 | EPS CAGR: 21.58% | SUE: 0.83 | # QB: 0
Revenue Correlation: 99.82 | Revenue CAGR: 7.48% | SUE: 1.17 | # QB: 1
EPS current Quarter (2026-09-30): EPS=3.06 | Chg30d=-0.01% | Revisions=-25% | Analysts=21
EPS current Year (2026-12-31): EPS=12.76 | Chg30d=-0.02% | Revisions=+47% | GrowthEPS=-5.0% | GrowthRev=+1.8%
EPS next Year (2027-12-31): EPS=13.68 | Chg30d=-0.05% | Revisions=-68% | GrowthEPS=+7.3% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: -23% (up=19, down=31)