A Business at a Glance
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(Dollar amounts in millions, except for per share data, unless otherwise stated) Purpose and Strategic Priorities Reportable Segments and Corporate Underwriting for P&C and Employee Benefits Claims Administration for P&C and Employee Benefits Investment Operations Enterprise Risk Management Intellectual Property Human Capital Resources Available Information The Hartford Insurance Group, Inc. ("HIG") (together with its subsidiaries, “The Hartford”, the “Company”, “we”, or “our”) is a holding company for a group of subsidiaries that provide property and casualty ("P&C") insurance, employee group benefits insurance and services, and mutual funds and exchange-traded funds ("ETF") to individual and business customers in the United States, as well as in the United Kingdom and other international locations. The Hartford is headquartered in Connecticut and its oldest subsidiary, Hartford Fire Insurance Company, dates back to 1810.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 28.4B | 28.4B | 26.5B | 24.5B | 22.4B | 22.4B |
| Net Income | 3.8B | 3.8B | 3.1B | 2.5B | 1.8B | 2.3B |
| EPS | $13.32 | $13.32 | $10.35 | $7.97 | $5.46 | $6.62 |
| Free Cash Flow | 5.8B | 5.8B | 5.8B | 4.0B | 3.8B | 4.0B |
| ROIC | 16.5% | 17.3% | 14.8% | 12.6% | 10.0% | 10.3% |
| Gross Margin | 16.8% | 16.8% | 14.5% | 12.6% | 10.1% | 12.9% |
| Debt/Equity | 0.23 | 0.23 | 0.27 | 0.28 | 0.32 | 0.28 |
| Dividends/Share | $2.07 | $2.16 | $1.93 | $1.75 | $1.58 | $1.44 |
| Operating Income | 4.8B | 4.8B | 3.8B | 3.1B | 2.3B | 2.9B |
| Operating Margin | 16.8% | 16.8% | 14.5% | 12.6% | 10.1% | 12.9% |
| ROE | 20.1% | 21.5% | 18.8% | 16.2% | 13.1% | 13.1% |
| Shares Outstanding | 286M | 286M | 299M | 312M | 329M | 354M |
HARTFORD INSURANCE GROUP, INC. passes 6 of 9 quality checks, suggesting mixed fundamentals.
HARTFORD INSURANCE GROUP, INC. trades at 10.4x trailing earnings, compared to its 15-year median P/E of 9.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 6.7x vs a median of 5.9x. The company's 5-year average ROIC is 13.0% with a gross margin of 13.4%. Total shareholder yield (dividends + buybacks) is 5.5%. At current prices, the estimated annualized return to fair value is +14.2%.
HARTFORD INSURANCE GROUP, INC. (HIG) has a current P/E ratio of 10.4, compared to its historical median P/E of 9.7. The stock is currently considered Fair based on its historical valuation range.
HARTFORD INSURANCE GROUP, INC. (HIG) has a 5-year average return on invested capital (ROIC) of 13.0%. This indicates solid capital allocation.
HARTFORD INSURANCE GROUP, INC. (HIG) has a market capitalization of $39.8B. It is classified as a large-cap stock.
Yes, HARTFORD INSURANCE GROUP, INC. (HIG) pays a dividend with a trailing twelve-month yield of 1.49%. The company also returns capital through share buybacks, with a buyback yield of 4.05%.
Based on historical P/E analysis, HARTFORD INSURANCE GROUP, INC. (HIG) appears fair. The current P/E of 10.4 is 7% above its historical median of 9.7. The estimated fair value CAGR (P/E method) is 15.4%.
HARTFORD INSURANCE GROUP, INC. (HIG) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
HARTFORD INSURANCE GROUP, INC. (HIG) reported annual revenue of $28.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
HARTFORD INSURANCE GROUP, INC. (HIG) has a net profit margin of 13.4%. This is a healthy margin.
HARTFORD INSURANCE GROUP, INC. (HIG) generated $5.8 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HARTFORD INSURANCE GROUP, INC. (HIG) has a debt-to-equity ratio of 0.23. This indicates a conservatively financed balance sheet.
HARTFORD INSURANCE GROUP, INC. (HIG) reported earnings per share (EPS) of $13.32 in its most recent fiscal year.
HARTFORD INSURANCE GROUP, INC. (HIG) has a return on equity (ROE) of 21.5%. This indicates the company generates strong returns for shareholders.
HARTFORD INSURANCE GROUP, INC. (HIG) has a 5-year average gross margin of 13.4%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 19 years of financial data for HARTFORD INSURANCE GROUP, INC. (HIG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HARTFORD INSURANCE GROUP, INC. (HIG) has a book value per share of $66.26, based on its most recent annual SEC filing.