HIG logo

HARTFORD INSURANCE GROUP INC

HIGNYSE
πŸ† #394 by market capUS Equity
$125.29β–Ό $0.79 (βˆ’0.63%)
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24hβ–Ό 0.6%
7dβ–Ό 2.7%
14dβ–Ό 7.9%
30dβ–Ό 9.6%
ytdβ–Ό 9.1%
1yβ–Ό 5.2%
🏦Market Cap
$34.35B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+7.1%
Slowing
πŸ“ŠGross Margin
44.0%
Healthy
πŸ’΅FCF Margin
20.2%
Strong
βš–οΈP/S Ratio
1.2x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$123.70 – $127.08
52-Week Range
$120.33 – $146.07
Volume
$1.79B
Avg Volume
$1.83B
Shares Outstanding
274.1M
Next Earnings
Nov 5, 2026

Fundamentals Snapshot

Annual Revenue
$28.26B
Last Q Revenue
$7.26B
P/E Ratio
8.0
P/S Ratio
1.2x
EPS (TTM)
$15.68
Dividend Yield
1.93%
Dilution (1yr)
βˆ’5.0%

Why Investors Own HIG

  • βœ“High-growth profile β€” revenue up +20.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 71% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HIG logo

HARTFORD INSURANCE GROUP INC

HIG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$28.3Bβ–² +7.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
46.1%β–² +206.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$4.8Bβ–² +23.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$5.8Bβ–Ό βˆ’0.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
282.6Mβ–Ό βˆ’5.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$4.2Bβ–Ό βˆ’$55M YoY
StockOtter Β· stockotter.space

About HARTFORD INSURANCE GROUP INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$140.43
β–² +12.1% Upside
High Target$173.76
Low Target$119.09
Based on 32 analysts

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