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The Hartford Insurance Group, I (HIG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

The Hartford Insurance Group, I
NYSE•Financial Services•Insurance - Diversified
$133.14-1.80(-0.01%)After hours
Market Cap
$36.39B
P/E
8.3x
P/S
1.3x
P/B
1.9x

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.

A

How this company scores

ExcellentMetricSide Score: 82/100

Strongest: Profitability (25/25); weakest: Cash & Earnings Quality (18/25).

Profitability25/25
Growth21/25
Balance Sheet & Red Flags18/25
Cash & Earnings Quality18/25
Strengths
Strong marginsHigh ROERising earningsLow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.3x5y range 8.3x – 13.3x
P/E 8.3x · near its 20-quarter median

Currently near its 20-quarter median.

P/S · 1.3x5y range 0.9x – 1.4x
P/S 1.3x · near its 20-quarter median

Currently near its 20-quarter median.

P/B · 1.9x5y range 1.3x – 2.1x
Price & Volume
Market Cap $36.39B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$29.06B
7Q
Q. Revenue
$7.26B
4%
TTM EBITDA
$5.21B
23%
TTM Op. Income
$5.02B
24%
Q. Op. Income
$1.23B
1%
TTM Net Income
$4.37B
5Q
Q. Net Income
$1.30B
30%
EPS
$4.73
36%
Shares Out.
$273.30M
7Q
$29.06B in TTM revenue grew 6.0% YoY, reaching $7.26B last quarter. TTM EBITDA of $5.21B and TTM operating income of $5.02B show growth is flowing through to the bottom line. TTM net income of $4.37B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
16.9%
5%
Op. Margin
16.9%
5%
Net Margin
17.9%
25%
Op. margin of 16.9% is down 0.9% YoY — costs are rising relative to revenue. Net margin at 17.9% Over the past year, operating margin is down 5% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
8.3x
5Q
P/S Ratio
1.3x
2Q
P/B Ratio
1.9x
2Q
At 8.3x P/E, the stock trades below typical market levels. P/S of 1.3x and P/B of 1.9x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 5 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$87.98B
6Q
Cash
$203.00M
7%
Long-Term Debt
$4.37B
7Q
Book Value
$19.63B
12%
D/E Ratio
0.2
11%
Debt/EBITDA
3.6
1%
With $87.98B in assets and $4.37B in long-term debt, D/E is 0.2and book value is $19.63B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 11% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$1.19B
8%
TTM Free Cash Flow
$5.71B
0%
FCF Margin
19.6%
3Q
FCF / Net Income
1.3
5Q
TTM FCF of $5.71B on $1.19B in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 0% — a weakening trend.

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· near its 20-quarter median

Currently near its 20-quarter median.