Stock · HIG · Financial Services
United States · Large Cap · listed since 1995 · Revenue 12 mo. $29B
Price as of 11/06/2026
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.
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.
Original text from the data provider
Summary
58.7 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €16B, market value €32.4B (P/B 2.0). At a 9% discount rate, the premium over book value only pays off with a lasting 18.2% return on equity.
Required return on equity per year
18.2%
no perpetual growth
Price to book 2.02×, within its usual range.
Middle half of 20 quarters: 1.59× to 2.03×, median 1.87×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
3 more unchanged: Revenue, 12 mo., EBIT margin, Shares outstanding
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 20.21% | 12.46% | Rank 83 |
| Return on capital (Greenblatt) | 42.80% | 59.04% | Rank 45 |
| EBIT margin | 16.84% | 23.06% | Rank 32 |
| FCF margin | 20.36% | 19.82% | Rank 51 |
| Gross margin | 46.08% | 65.53% | Rank 21 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 7.10% | 7.39% | Rank 50 |
| Earnings growth, 3 years per year | 34.36% | 15.20% | Rank 79 |
| Earnings growth, 5 years per year | 22.69% | 15.17% | Rank 68 |
| Sustainable growth (ROE × retained earnings) | 0.60% | 1.25% | Rank 32 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 9.99% | 6.47% | Rank 87 |
| FCF yield | 15.94% | 7.16% | Rank 79 |
| EV/saleslower is better | 1.27 | 2.82 | Rank 72 |
| EV/EBITlower is better | 7.56 | 14.24 | Rank 80 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −4.88% | 7.80% | Rank 28 |
| Share price, 6 months | 1.98% | 8.71% | Rank 26 |
| Share price, 3 months | −1.35% | 0.45% | Rank 41 |
| Distance from 52-week high | −8.02% | −10.68% | Rank 62 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 2.00% | 1.23% | Rank 41 |
| Change in share countlower is better | −4.05% | −0.60% | Rank 82 |
| Dividend streak in years | 16 | 5 | Rank 86 |
| Price reaction to results, market-adjusted | −2.45% | 0.00% | Rank 19 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 22.07% | 9.21% | Rank 74 |
| Net debt/EBITDAlower is better | −0.02 | 0.12 | Rank 52 |
| Debt to equitylower is better | 0.23 | 0.90 | Rank 84 |
| Volatility, 1 yearlower is better | 20.03% | 25.95% | Rank 84 |
Ten years in figures
| Year | Revenue, $B | Net income | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 16.3 | $896.0M | 5.3% | 395M |
| 2017 | 17.2 | −$3.1B | −23.2% | 371M |
| 2018 | 18.8 | $1.8B | 13.8% | 364M |
| 2019 | 20.5 | $2.1B | 12.8% | 365M |
| 2020 | 20.3 | $1.7B | 9.4% | 361M |
| 2021 | 21.6 | $2.4B | 13.3% | 354M |
| 2022 | 21.9 | $1.8B | 13.3% | 330M |
| 2023 | 24.3 | $2.5B | 16.3% | 312M |
| 2024 | 26.4 | $3.1B | 18.9% | 299M |
| 2025 | 28.3 | $3.8B | 20.2% | 287M |
4 of 7 StockScorer Score rules met · How the score is built
Hartford Financial Services Group mainly meets criteria in the Valuation category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Hartford Financial Services Group. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
4 of 7 rules met
6 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Hartford Financial Services Group.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 10.0 | 15.2 |
| P/B ratio | 2.0 | 1.8 |
| Return on equity (ROE) | 20.2% | 12.5% |
| Equity ratio | 22.1% | 9.2% |
| Debt-to-equity (D/E) | 0.23 | 0.90 |
| Dividend yield | 1.8% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| HIG | Hartford Financial Services Groupthis page | |
| AIG | American International Group Inc | Low3.6 |
| TLX.DE | Talanx AG | Low5.5 |
| ACGL | Arch Capital Group Ltd. | Low5.5 |
| SLHN.SW | Swiss Life Holding AG | locked |
| SLF.TO | Sun Life Financial Inc. | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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