HARTFORD INSURANCE GROUP INC (HIG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HIG - US4165151048 - Common Stock
129.59 USD
-1.23 (-0.94%)
129.59 USD
0 (0%)
Overall HIG gets a fundamental rating of 5 out of 10. We evaluated HIG against 146 industry peers in the Insurance industry. HIG has only an average score on both its financial health and profitability. HIG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year HIG was profitable.
- In the past year HIG had a positive cash flow from operations.
- HIG had positive earnings in each of the past 5 years.
- In the past 5 years HIG always reported a positive cash flow from operatings.
1.2 Ratios
- HIG has a better Return On Assets (4.16%) than 78.08% of its industry peers.
- HIG's Return On Equity of 19.17% is amongst the best of the industry. HIG outperforms 84.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| ROIC | N/A |
ROA(3y)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- HIG has a Profit Margin of 12.69%. This is in the better half of the industry: HIG outperforms 69.86% of its industry peers.
- HIG's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 16.46%, HIG is doing good in the industry, outperforming 65.07% of the companies in the same industry.
- In the last couple of years the Operating Margin of HIG has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| GM | N/A |
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- HIG does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for HIG has been reduced compared to 1 year ago.
- HIG has less shares outstanding than it did 5 years ago.
- HIG has a better debt/assets ratio than last year.
2.2 Solvency
- HIG has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.74, HIG is in the better half of the industry, outperforming 77.40% of the companies in the same industry.
- HIG has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
- HIG has a better Debt to Equity ratio (0.24) than 64.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- HIG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.22%, which is quite good.
- HIG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.78% yearly.
- The Revenue has been growing slightly by 7.13% in the past year.
- The Revenue has been growing slightly by 5.05% on average over the past years.
EPS 1Y (TTM)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%6.83%
3.2 Future
- Based on estimates for the next years, HIG will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.29% on average per year.
- The Revenue is expected to grow by 6.29% on average over the next years.
EPS Next Y23.18%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
EPS Next 5Y10.29%
Revenue Next Year8.84%
Revenue Next 2Y7.24%
Revenue Next 3Y6.29%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 10.51, the valuation of HIG can be described as very reasonable.
- HIG's Price/Earnings ratio is a bit cheaper when compared to the industry. HIG is cheaper than 60.96% of the companies in the same industry.
- When comparing the Price/Earnings ratio of HIG to the average of the S&P500 Index (27.47), we can say HIG is valued rather cheaply.
- With a Price/Forward Earnings ratio of 9.66, the valuation of HIG can be described as very reasonable.
- HIG's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 9.66 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HIG indicates a somewhat cheap valuation: HIG is cheaper than 73.97% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, HIG is valued a bit cheaper than 63.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.13 | ||
| EV/EBITDA | 5.52 |
4.3 Compensation for Growth
- HIG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as HIG's earnings are expected to grow with 12.07% in the coming years.
PEG (NY)0.45
PEG (5Y)0.82
EPS Next 2Y14.04%
EPS Next 3Y12.07%
5. Dividend
5.1 Amount
- HIG has a Yearly Dividend Yield of 1.74%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.42, HIG has a dividend in line with its industry peers.
- HIG's Dividend Yield is comparable with the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
5.2 History
- The dividend of HIG is nicely growing with an annual growth rate of 9.29%!
- HIG has paid a dividend for at least 10 years, which is a reliable track record.
- HIG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.29%
Div Incr Years12
Div Non Decr Years15
5.3 Sustainability
- 17.08% of the earnings are spent on dividend by HIG. This is a low number and sustainable payout ratio.
- The dividend of HIG is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP17.08%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
129.59
-1.23 (-0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners95.17%
Inst Owner Change0.05%
Ins Owners0.32%
Ins Owner Change-0.69%
Market Cap36.11B
Revenue(TTM)27.87B
Net Income(TTM)3.54B
Analysts72.14
Price Target146.01 (12.67%)
Short Float %1.97%
Short Ratio3.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
Yearly Dividend1.97
Dividend Growth(5Y)9.29%
DP17.08%
Div Incr Years12
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.8%
Min EPS beat(2)16.45%
Max EPS beat(2)19.15%
EPS beat(4)4
Avg EPS beat(4)11.97%
Min EPS beat(4)1.72%
Max EPS beat(4)19.15%
EPS beat(8)6
Avg EPS beat(8)9.46%
EPS beat(12)9
Avg EPS beat(12)9.11%
EPS beat(16)13
Avg EPS beat(16)12.64%
Revenue beat(2)0
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-1.58%
Max Revenue beat(2)-0.35%
Revenue beat(4)0
Avg Revenue beat(4)-1.66%
Min Revenue beat(4)-3.21%
Max Revenue beat(4)-0.35%
Revenue beat(8)0
Avg Revenue beat(8)-1.48%
Revenue beat(12)1
Avg Revenue beat(12)-0.87%
Revenue beat(16)2
Avg Revenue beat(16)-0.71%
PT rev (1m)0.66%
PT rev (3m)3.25%
EPS NQ rev (1m)0.68%
EPS NQ rev (3m)2.51%
EPS NY rev (1m)0.17%
EPS NY rev (3m)7%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 9.66 | ||
| P/S | 1.3 | ||
| P/FCF | 6.13 | ||
| P/OCF | 6.03 | ||
| P/B | 1.96 | ||
| P/tB | 2.26 | ||
| EV/EBITDA | 5.52 |
EPS(TTM)12.33
EY9.51%
EPS(NY)13.41
Fwd EY10.35%
FCF(TTM)21.14
FCFY16.31%
OCF(TTM)21.49
OCFY16.58%
SpS100.01
BVpS66.21
TBVpS57.26
PEG (NY)0.45
PEG (5Y)0.82
Graham Number135.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 19.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 16.46% | ||
| PM (TTM) | 12.69% | ||
| GM | N/A | ||
| FCFM | 21.14% |
ROA(3y)3.17%
ROA(5y)2.98%
ROE(3y)16.04%
ROE(5y)14.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)4.21%
ROCE(5y)4.01%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y2.24%
OM growth 5Y0.62%
PM growth 3Y3.61%
PM growth 5Y3.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.74 | ||
| Debt/EBITDA | 0.59 | ||
| Cap/Depr | 3.46% | ||
| Cap/Sales | 0.35% | ||
| Interest Coverage | 22.16 | ||
| Cash Conversion | 80.98% | ||
| Profit Quality | 166.55% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.28%
ROIC/WACCN/A
Cap/Depr(3y)7.01%
Cap/Depr(5y)6.34%
Cap/Sales(3y)0.74%
Cap/Sales(5y)0.67%
Profit Quality(3y)187.16%
Profit Quality(5y)189.69%
High Growth Momentum
Growth
EPS 1Y (TTM)18.22%
EPS 3Y18.67%
EPS 5Y12.78%
EPS Q2Q%49.41%
EPS Next Y23.18%
EPS Next 2Y14.04%
EPS Next 3Y12.07%
EPS Next 5Y10.29%
Revenue 1Y (TTM)7.13%
Revenue growth 3Y5.83%
Revenue growth 5Y5.05%
Sales Q2Q%6.83%
Revenue Next Year8.84%
Revenue Next 2Y7.24%
Revenue Next 3Y6.29%
Revenue Next 5YN/A
EBIT growth 1Y19.55%
EBIT growth 3Y8.2%
EBIT growth 5Y5.7%
EBIT Next Year13.97%
EBIT Next 3Y7.06%
EBIT Next 5YN/A
FCF growth 1Y69.62%
FCF growth 3Y12.78%
FCF growth 5Y11.24%
OCF growth 1Y62.85%
OCF growth 3Y12.49%
OCF growth 5Y11.11%
HARTFORD INSURANCE GROUP INC / HIG FAQ
What is the ChartMill fundamental rating of HARTFORD INSURANCE GROUP INC (HIG) stock?
ChartMill assigns a fundamental rating of 5 / 10 to HIG.
What is the valuation status of HARTFORD INSURANCE GROUP INC (HIG) stock?
ChartMill assigns a valuation rating of 6 / 10 to HARTFORD INSURANCE GROUP INC (HIG). This can be considered as Fairly Valued.
What is the profitability of HIG stock?
HARTFORD INSURANCE GROUP INC (HIG) has a profitability rating of 5 / 10.
What are the PE and PB ratios of HARTFORD INSURANCE GROUP INC (HIG) stock?
The Price/Earnings (PE) ratio for HARTFORD INSURANCE GROUP INC (HIG) is 10.51 and the Price/Book (PB) ratio is 1.96.
Can you provide the financial health for HIG stock?
The financial health rating of HARTFORD INSURANCE GROUP INC (HIG) is 4 / 10.