HARTFORD INSURANCE GROUP INC (HIG) Fundamental Analysis & Valuation
NYSE:HIG • US4165151048
134.96 USD
-2.29 (-1.67%)
At close: Mar 11, 2026
134.96 USD
0 (0%)
After Hours: 3/11/2026, 8:04:00 PM
This HIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, HIG scores 5 out of 10 in our fundamental rating. HIG was compared to 149 industry peers in the Insurance industry. While HIG belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. HIG has a decent growth rate and is not valued too expensively.
1. HIG Profitability Analysis
1.1 Basic Checks
- HIG had positive earnings in the past year.
- HIG had a positive operating cash flow in the past year.
- In the past 5 years HIG has always been profitable.
- In the past 5 years HIG always reported a positive cash flow from operatings.
1.2 Ratios
- HIG's Return On Assets of 4.44% is fine compared to the rest of the industry. HIG outperforms 77.85% of its industry peers.
- With an excellent Return On Equity value of 20.10%, HIG belongs to the best of the industry, outperforming 85.23% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 4.62%, HIG is in the better half of the industry, outperforming 71.14% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for HIG is significantly below the industry average of 15.25%.
- The last Return On Invested Capital (4.62%) for HIG is above the 3 year average (4.02%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.44% | ||
| ROE | 20.1% | ||
| ROIC | 4.62% |
ROA(3y)3.83%
ROA(5y)3.4%
ROE(3y)18.36%
ROE(5y)16.27%
ROIC(3y)4.02%
ROIC(5y)3.62%
1.3 Margins
- Looking at the Profit Margin, with a value of 13.47%, HIG is in the better half of the industry, outperforming 73.83% of the companies in the same industry.
- HIG's Profit Margin has improved in the last couple of years.
- HIG has a better Operating Margin (17.34%) than 70.47% of its industry peers.
- HIG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.34% | ||
| PM (TTM) | 13.47% | ||
| GM | N/A |
OM growth 3Y15.82%
OM growth 5Y7.64%
PM growth 3Y18.79%
PM growth 5Y9.97%
GM growth 3YN/A
GM growth 5YN/A
2. HIG Health Analysis
2.1 Basic Checks
- HIG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, HIG has less shares outstanding
- The number of shares outstanding for HIG has been reduced compared to 5 years ago.
- HIG has a better debt/assets ratio than last year.
2.2 Solvency
- HIG has a debt to FCF ratio of 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 0.76, HIG is doing good in the industry, outperforming 74.50% of the companies in the same industry.
- HIG has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.23, HIG is in the better half of the industry, outperforming 66.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.56
WACC8.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. HIG Growth Analysis
3.1 Past
- HIG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.46%, which is quite impressive.
- Measured over the past years, HIG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.40% on average per year.
- HIG shows a small growth in Revenue. In the last year, the Revenue has grown by 6.93%.
- Measured over the past years, HIG shows a small growth in Revenue. The Revenue has been growing by 6.69% on average per year.
EPS 1Y (TTM)30.46%
EPS 3Y21.17%
EPS 5Y18.4%
EPS Q2Q%38.1%
Revenue 1Y (TTM)6.93%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.69%
3.2 Future
- The Earnings Per Share is expected to grow by 5.62% on average over the next years.
- The Revenue is expected to grow by 4.71% on average over the next years.
EPS Next Y1.04%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue Next Year5.33%
Revenue Next 2Y4.72%
Revenue Next 3Y4.71%
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 decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. HIG Valuation Analysis
4.1 Price/Earnings Ratio
- HIG is valuated reasonably with a Price/Earnings ratio of 10.03.
- Compared to the rest of the industry, the Price/Earnings ratio of HIG is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of HIG to the average of the S&P500 Index (26.15), we can say HIG is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.93, the valuation of HIG can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as HIG.
- When comparing the Price/Forward Earnings ratio of HIG to the average of the S&P500 Index (24.27), we can say HIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.03 | ||
| Fwd PE | 9.93 |
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 75.17% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of HIG is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.47 | ||
| EV/EBITDA | 5.3 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The decent profitability rating of HIG may justify a higher PE ratio.
PEG (NY)9.69
PEG (5Y)0.55
EPS Next 2Y4.51%
EPS Next 3Y5.62%
5. HIG Dividend Analysis
5.1 Amount
- HIG has a Yearly Dividend Yield of 1.72%.
- HIG's Dividend Yield is comparable with the industry average which is at 2.87.
- Compared to an average S&P500 Dividend Yield of 1.82, HIG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
5.2 History
- On average, the dividend of HIG grows each year by 10.28%, which is quite nice.
- HIG has been paying a dividend for at least 10 years, so it has a reliable track record.
- HIG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.28%
Div Incr Years12
Div Non Decr Years15
5.3 Sustainability
- 16.07% of the earnings are spent on dividend by HIG. This is a low number and sustainable payout ratio.
- The dividend of HIG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.07%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
HIG Fundamentals: All Metrics, Ratios and Statistics
134.96
-2.29 (-1.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-22 2026-04-22/amc
Inst Owners96.1%
Inst Owner Change28.28%
Ins Owners0.36%
Ins Owner Change6.56%
Market Cap37.23B
Revenue(TTM)28.33B
Net Income(TTM)3.81B
Analysts72.14
Price Target154.24 (14.29%)
Short Float %2.07%
Short Ratio3.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
Yearly Dividend2.17
Dividend Growth(5Y)10.28%
DP16.07%
Div Incr Years12
Div Non Decr Years15
Ex-Date03-02 2026-03-02 (0.6)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.72%
Min EPS beat(2)16.45%
Max EPS beat(2)24.99%
EPS beat(4)4
Avg EPS beat(4)15.58%
Min EPS beat(4)1.72%
Max EPS beat(4)24.99%
EPS beat(8)6
Avg EPS beat(8)9.54%
EPS beat(12)9
Avg EPS beat(12)9.36%
EPS beat(16)13
Avg EPS beat(16)12.25%
Revenue beat(2)0
Avg Revenue beat(2)-0.37%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)-0.35%
Revenue beat(4)0
Avg Revenue beat(4)-1.38%
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)0
Avg Revenue beat(12)-1.22%
Revenue beat(16)1
Avg Revenue beat(16)-1.18%
PT rev (1m)2.13%
PT rev (3m)6.33%
EPS NQ rev (1m)0.74%
EPS NQ rev (3m)1.46%
EPS NY rev (1m)0.67%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.03 | ||
| Fwd PE | 9.93 | ||
| P/S | 1.31 | ||
| P/FCF | 6.47 | ||
| P/OCF | 6.29 | ||
| P/B | 1.96 | ||
| P/tB | 2.26 | ||
| EV/EBITDA | 5.3 |
EPS(TTM)13.45
EY9.97%
EPS(NY)13.59
Fwd EY10.07%
FCF(TTM)20.85
FCFY15.45%
OCF(TTM)21.47
OCFY15.91%
SpS102.69
BVpS68.8
TBVpS59.82
PEG (NY)9.69
PEG (5Y)0.55
Graham Number144.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.44% | ||
| ROE | 20.1% | ||
| ROCE | 5.72% | ||
| ROIC | 4.62% | ||
| ROICexc | 4.63% | ||
| ROICexgc | 5.41% | ||
| OM | 17.34% | ||
| PM (TTM) | 13.47% | ||
| GM | N/A | ||
| FCFM | 20.31% |
ROA(3y)3.83%
ROA(5y)3.4%
ROE(3y)18.36%
ROE(5y)16.27%
ROIC(3y)4.02%
ROIC(5y)3.62%
ROICexc(3y)4.02%
ROICexc(5y)3.63%
ROICexgc(3y)4.73%
ROICexgc(5y)4.29%
ROCE(3y)4.98%
ROCE(5y)4.49%
ROICexgc growth 3Y17.82%
ROICexgc growth 5Y11.33%
ROICexc growth 3Y18.66%
ROICexc growth 5Y11.44%
OM growth 3Y15.82%
OM growth 5Y7.64%
PM growth 3Y18.79%
PM growth 5Y9.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.76 | ||
| Debt/EBITDA | 0.56 | ||
| Cap/Depr | 5.8% | ||
| Cap/Sales | 0.6% | ||
| Interest Coverage | 23.85 | ||
| Cash Conversion | 75.68% | ||
| Profit Quality | 150.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.27%
ROIC/WACC0.56
Cap/Depr(3y)6.57%
Cap/Depr(5y)6.49%
Cap/Sales(3y)0.67%
Cap/Sales(5y)0.68%
Profit Quality(3y)166.21%
Profit Quality(5y)176.74%
High Growth Momentum
Growth
EPS 1Y (TTM)30.46%
EPS 3Y21.17%
EPS 5Y18.4%
EPS Q2Q%38.1%
EPS Next Y1.04%
EPS Next 2Y4.51%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue 1Y (TTM)6.93%
Revenue growth 3Y8.25%
Revenue growth 5Y6.69%
Sales Q2Q%6.69%
Revenue Next Year5.33%
Revenue Next 2Y4.72%
Revenue Next 3Y4.71%
Revenue Next 5YN/A
EBIT growth 1Y23.88%
EBIT growth 3Y25.37%
EBIT growth 5Y14.84%
EBIT Next Year0.97%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.19%
FCF growth 3Y14.49%
FCF growth 5Y9.24%
OCF growth 1Y0.22%
OCF growth 3Y13.9%
OCF growth 5Y9.2%
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 5 / 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 7 / 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 10.03 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.