Hartford Insurance Group Inc (HIG)
UndervaluedFundamental
78
Price
$136.76
Market Cap
$36.79B
Part 1 · What the company is worth
Overview
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated with artificial intelligence on September 18, 2026, shared with all users
Travelers is the closest match to Hartford's business mix, selling small and middle-market commercial property-casualty policies plus personal auto and home through the same U.S. independent agents and brokers.
CNA is a pure commercial P&C carrier writing the same small-business, middle-market and specialty lines — including workers' compensation and professional liability — for U.S. companies.
W. R. Berkley fights for the same specialty and excess-and-surplus commercial accounts that Hartford's Global Specialty line targets, quoting against it on the same submissions.
Unum is the direct rival of Hartford's Employee Benefits segment, selling group disability, group life and leave-management services to the same employers.
Chubb competes head-on for the same commercial customers, from business owner's policies for small firms to specialty and large-account coverage placed through the same broker channel.
Liberty Mutual, a policyholder-owned insurer with no listed stock, is one of the largest U.S. writers of both small-commercial and personal auto and home policies, the two markets where Hartford sells.
Balance Sheet & Liquidity
Revenue
$1.53B
Trailing 12 months (through 6/30/2026)
Net Income
$4.37B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$5.75B
Total Equity
$18.98B
Total Liabilities
$67.05B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
0.78
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$217.46
Current Price
$136.76
Margin of Safety
+37.1%
Fair Value Range
$141.35 - $293.57
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
8.85
ROE
20.2%
P/B Ratio
1.89
P/FCF
6.31
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
7.5%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (19)
- EPS shows upward trend
- Price CAGR 10.72%
- P/FCF 6.31
- P/B ratio 1.89
- Debt/equity ratio
- Positive free cash flow
- CapEx intensity
- Debt/EBITDA
- Return on tangible assets
- Low reliance on intangibles
- Price below Graham Number
- ROE 23.0%
- Revenue growth 5Y 6.7%
- Earnings surprise, average 9.1%
- PEG ratio 0.37
- Earnings quality (operating cash flow / net income) 1.35
- Share dilution -4.2%
- Net margin trend 284.7% vs 266.4%
- Piotroski F-Score 6/9
Failed (2)
- EPS CAGR 2.05%
- DCF valuation (Fairly Valued)
Unavailable (6)
- ROIC –
- Gross margin –
- Dividend payout –
- Operating margin –
- Current ratio
- Interest coverage
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Christopher Jerome Swift CPA | Chairman & CEO | 64 |
| Mr. Adin Morris Tooker | President & Director | 55 |
| Ms. Beth A. Costello CPA | Executive VP & CFO | 57 |
| Ms. Amy Marie Stepnowski | Executive VP & Chief Investment Officer | 56 |
| Mr. Donald Christian Hunt J.D. | Executive VP & General Counsel | 54 |
| Mr. Jeffery Hawkins | Chief Data, AI & Operations Officer | - |
| Mr. Allison Gayle Niderno | Senior VP, Controller & Principal Accounting Officer | 45 |
| Mr. Shekar Pannala | Executive VP & Chief Information Officer | 54 |
| Ms. Kate Jorens | SVP, Treasurer & Head of Investor Relations | - |
| Ms. Claire H. Burns | Chief Marketing & Customer Officer | 56 |
Audit Risk
8
Board Risk
3
Compensation Risk
4
Shareholder Rights Risk
7
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-20
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-23
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-30
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much HIG moves, measured on its daily prices.
More volatile than 9% of the tracked stocks (90-day volatility).
- Volatility 30d
- 21.6%
- Volatility 90d
- 20.8%
- Beta vs S&P 500 (1y)
- -0.16Correlation -0.10
- Max drawdown (12m)
- -16.0%
- ATR (14d, % of price)
- 1.81%
Earnings reactions
How HIG moved around its past quarterly results.
Next earnings release
Oct 26, 2026 · In 2 days · After the close
EPS estimate: 3.17Revenue estimate: $7.4B
What usually happens
- Over the last 12 releases the stock moved a median of 2.6% the next day, up or down.
- Next-day moves: up 4, down 8 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026 | After the close | 3.25 | 3.42 | +5.1% | -3.7% | -1.2% | +0.6% |
| Apr 23, 2026 | After the close | 3.44 | 3.09 | -10.0% | -1.2% | -3.7% | -2.0% |
| Jan 29, 2026 | After the close | 3.25 | 4.06 | +25.0% | +1.7% | +2.0% | +7.5% |
| Oct 27, 2025 | After the close | 3.25 | 3.78 | +16.4% | -2.9% | -1.8% | -0.6% |
| Jul 28, 2025 | After the close | n/a | n/a | n/a | +2.0% | +2.8% | +4.1% |
| Apr 24, 2025 | After the close | n/a | n/a | n/a | -0.2% | -0.4% | +2.2% |
| Jan 30, 2025 | After the close | n/a | n/a | n/a | -7.2% | -2.4% | -0.7% |
| Oct 24, 2024 | After the close | n/a | n/a | n/a | -5.6% | -6.8% | -8.3% |
| Jul 25, 2024 | After the close | n/a | n/a | n/a | +4.2% | +7.1% | +7.1% |
| Apr 25, 2024 | After the close | n/a | n/a | n/a | -2.1% | -3.8% | -1.6% |
| Feb 1, 2024 | After the close | n/a | n/a | n/a | +2.3% | +3.7% | +3.1% |
| Oct 26, 2023 | After the close | n/a | n/a | n/a | +2.4% | -2.1% | +2.4% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on HIG and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for HIG.
- 24d agoNEUTRALHartford Insurance Group Names A. Morris Tooker as Its Next CEO
The Hartford Financial Services Group, Inc. has announced A. Morris Tooker will succeed Christopher Swift as CEO, concluding Swift's extensive 13-year tenure. Tooker, currently President, will transition into the chief executive role. This leadership change is a standard corporate event, typically viewed with neutrality by the market unless accompanied by significant strategic shifts or performance concerns. Investors will be watching for Tooker's initial strategic directives and their potential impact on the company's future performance and shareholder value.