Hartford Insurance Group Inc.
HIG | NYSE
$134.55
+$1.96 (+1.48%)
Nov 2, 2026, 2:08 PM ET · Market open
Market Data
Market Cap $35.98B
Enterprise Value $-11.3B
Beta 0.48
Average Volume 1.66M
Shares Outstanding (Diluted) 282.6M
Shares Change YoY -0.84%
Institutional Ownership 91.39%
Exchange NYSE
ISIN US4165151048
Price Performance
Price Change 1M 6.7%
Price Change 3M -5.8%
Price Change 6M 0.6%
Price Change YTD -2.4%
Price Change 1Y 8.3%
Price Change 3Y 81.5%
Price Change 5Y 81.7%
1M CAGR (ann.) 0.5%
1Y CAGR (ann.) 10.3%
5Y CAGR (ann.) 14.6%
All-Time CAGR 14.2%
Valuation
PE Ratio 8.14
Forward PE 9.00
PEG Ratio 0.23
Forward PEG 2.46
PS Ratio 1.22
Forward PS 1.20
PB Ratio 1.88
P/FCF Ratio 5.08
P/Adj. FCF Ratio 5.08
P/OCF Ratio 5.28
EV/Sales -0.39
EV/EBIT -2.34
EV/EBITDA -2.13
EV/FCF -1.62
Earnings Yield 12.3%
FCF Yield 19.7%
Adj. FCF Yield 19.7%
Financial Health
Net Cash $46.75B
Total Debt $4.38B
Cash & Short-Term Investments $51.13B
Total Assets $87.14B
Current Ratio 1.12
Quick Ratio 1.12
Debt / Equity Ratio 0.23
Debt / EBITDA 0.83
Debt / FCF 0.63
OCF / Debt 1.60
Interest Coverage 23.53
Altman Z-Score 1.37
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 44.2%
Operating Profit Margin 31.5%
EBITDA Margin 18.2%
Net Profit Margin 15.9%
FCF Margin 24.1%
Adj. FCF Margin 24.1%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 5.3%
Return on Equity 24.1%
Return on Invested Capital 13.1%
Return on Capital Employed 16.4%
Return on Tangible Assets 5.4%
Historical Growth (CAGR)
Revenue CAGR 3Y 6.8%
Revenue CAGR 5Y 6.3%
Revenue CAGR 10Y 4.7%
EPS CAGR 3Y 30.7%
EPS CAGR 5Y 22.1%
EPS CAGR 10Y 16.8%
FCF CAGR 3Y 26.2%
FCF CAGR 5Y 11.9%
FCF CAGR 10Y 14.1%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 15
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Feb 4, 2027
EPS Estimate (next Q) $3.23
EPS Growth Est (next Q) -20.4%
Revenue Est (next Q) $7.34B
Revenue Growth Est (next Q) 0.0%
Fair Value Estimates
Graham Number $157.61
Graham Upside 18.9%
Lynch Fair Value $359.14
Lynch Upside 170.9%
Price Target $147.75
Price Target Upside 11.4%
Cash Flow
Operating Cash Flow $6.99B
Free Cash Flow $6.98B
Adj. Free Cash Flow $6.98B
FCF Per Share $25.08
OCF Per Share $25.13
OCF/S Ratio 24.1%
Income Statement
Revenue $29.02B
Gross Profit $12.83B
Operating Income $9.14B
EBITDA $5.29B
Net Income $4.61B
EPS (Diluted) $16.28
Revenue / Employee $1.51M
Profit / Employee $240K
Employees 19,200
Dividends
Annual Dividend $2.40
Dividend Yield 1.81%
Payout Ratio 14.7%
FCF Payout Ratio 9.5%
Adj. FCF Payout Ratio 9.5%
Dividend Growth (YoY) 15.4%
Pay Frequency Quarterly
Ex-Dividend Date Dec 1, 2026
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