HIG

Company Overview — What Does HARTFORD INSURANCE GROUP, INC. Do?

The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment 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; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut. HARTFORD INSURANCE GROUP, INC. (HIG) is classified as a large-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Christopher J. Swift and employs approximately 18,100 people, headquartered in Hartford, Connecticut. With a market capitalization of $36.5B, HIG is one of the prominent companies in the Financials sector.

HARTFORD INSURANCE GROUP, INC. (HIG) Stock Rating — Hold (April 2026)

As of April 2026, HARTFORD INSURANCE GROUP, INC. receives a Hold rating with a composite score of 42.4/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.HIG ranks #1,489 out of 4,446 stocks in our coverage universe. Within the Financials sector, HARTFORD INSURANCE GROUP, INC. ranks #461 of 900 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

HIG Stock Price and 52-Week Range

HARTFORD INSURANCE GROUP, INC. (HIG) currently trades at $136.19. The 52-week high for HIG is $144.50, which means the stock is currently trading -5.8% from its annual peak. The 52-week low is $107.48, putting the stock 26.7% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is HIG Overvalued or Undervalued? — Valuation Analysis

HARTFORD INSURANCE GROUP, INC. (HIG) carries a value factor score of 57/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 9.68x, compared to the Financials sector average of 14.78x — a discount of 35%. The price-to-book ratio stands at 1.96x, versus the sector average of 1.19x. The price-to-sales ratio is 1.31x, compared to 0.89x for the average Financials stock. On an enterprise value basis, HIG trades at 6.65x EV/EBITDA, versus 3.26x for the sector.

Overall, HIG's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

HARTFORD INSURANCE GROUP, INC. Profitability — ROE, Margins, and Quality Score

HARTFORD INSURANCE GROUP, INC. (HIG) earns a quality factor score of 25/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 20.2%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 4.5% versus the sector average of 1.3%.

On a margin basis, HARTFORD INSURANCE GROUP, INC. reports gross margins of 100.0%. The operating margin is 16.9% (sector: 21.8%). Net profit margin stands at 13.5%, versus 17.8% for the average Financials stock. Revenue growth is running at 8.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

HIG Debt, Balance Sheet, and Financial Health

HARTFORD INSURANCE GROUP, INC. has a debt-to-equity ratio of 23.0%, compared to the Financials sector average of 118.5%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.39x, suggesting adequate working capital coverage. Total debt on the balance sheet is $4.37B. Cash and equivalents stand at $133M.

HIG has a beta of 0.51, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for HARTFORD INSURANCE GROUP, INC. is 93/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

HARTFORD INSURANCE GROUP, INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, HARTFORD INSURANCE GROUP, INC. reported revenue of $28.37B and earnings per share (EPS) of $3.96. Net income for the quarter was $3.84B. Gross margin was 100.0%. Operating income came in at $3.35B.

In Q4 2025, HARTFORD INSURANCE GROUP, INC. reported revenue of $7.34B. Net income for the quarter was $1.13B. Gross margin was 100.0%.

In FY 2025, HARTFORD INSURANCE GROUP, INC. reported revenue of $28.37B and earnings per share (EPS) of $13.51. Net income for the quarter was $3.84B. Operating income came in at $4.76B.

In Q3 2025, HARTFORD INSURANCE GROUP, INC. reported revenue of $7.23B and earnings per share (EPS) of $3.82. Net income for the quarter was $1.08B. Operating income came in at $1.32B.

Over the past 8 quarters, HARTFORD INSURANCE GROUP, INC. has demonstrated a growth trajectory, with revenue expanding from $27.43B to $28.37B. Investors analyzing HIG stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

HIG Dividend Yield and Income Analysis

HARTFORD INSURANCE GROUP, INC. (HIG) currently pays a dividend yield of 1.6%. At this yield, a $10,000 investment in HIG stock would generate approximately $$156.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.4%, meaning HIG yields less than the typical sector peer. The net margin of 13.5% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

HIG Momentum and Technical Analysis Profile

HARTFORD INSURANCE GROUP, INC. (HIG) has a momentum factor score of 49/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 19/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

HIG vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, HARTFORD INSURANCE GROUP, INC. (HIG) ranks #461 out of 900 stocks based on the Blank Capital composite score. This places HIG in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) with a score of 62.6/100, WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 63.3/100, PARKE BANCORP, INC. (PKBK) with a score of 60.5/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.3/100, and PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) with a score of 57.6/100.

Comparing HIG against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full HIG vs S&P 500 (SPY) comparison to assess how HARTFORD INSURANCE GROUP, INC. stacks up against the broader market across all factor dimensions.

HIG Next Earnings Date

No upcoming earnings date has been announced for HARTFORD INSURANCE GROUP, INC. (HIG) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy HIG? — Investment Thesis Summary

HARTFORD INSURANCE GROUP, INC. presents a balanced picture with arguments on both sides. The quality score of 25/100 flags below-average profitability. Low volatility (stability score 93/100) reduces downside risk.

In summary, HARTFORD INSURANCE GROUP, INC. (HIG) earns a Hold rating with a composite score of 42.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on HIG stock.

Related Resources for HIG Investors

Explore more research and tools: HIG vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare HIG head-to-head with peers: HIG vs UVE, HIG vs WTM, HIG vs PKBK.