Hartford Insurance Group Inc.
HIG | NYSE
$131.99
+$0.10 (+0.08%)
Sep 21, 2026, 11:06 AM ET · Market open
Market Data
Market Cap $36.16B
Enterprise Value $36.54B
Beta 0.45
Average Volume 1.66M
Shares Outstanding (Diluted) 282.6M
Shares Change YoY -1.77%
Institutional Ownership 90.05%
Exchange NYSE
ISIN US4165151048
Price Performance
Price Change 1M -5.5%
Price Change 3M 1.9%
Price Change 6M -2.6%
Price Change YTD -3.8%
Price Change 1Y 0.4%
Price Change 3Y 80.7%
Price Change 5Y 90.0%
1M CAGR (ann.) -8.3%
1Y CAGR (ann.) 2.8%
5Y CAGR (ann.) 16.1%
All-Time CAGR 4.4%
Valuation
PE Ratio 8.58
Forward PE 9.17
PEG Ratio 0.21
Forward PEG 1.13
PS Ratio 1.25
Forward PS 1.20
PB Ratio 1.84
P/FCF Ratio 6.16
P/Adj. FCF Ratio 6.23
P/OCF Ratio 6.24
EV/Sales 1.26
EV/EBIT 7.07
EV/EBITDA 6.66
EV/FCF 6.22
Earnings Yield 11.7%
FCF Yield 16.2%
Adj. FCF Yield 16.1%
Financial Health
Net Debt $383M
Total Debt $4.37B
Cash & Short-Term Investments $3.99B
Total Assets $87.98B
Current Ratio 18.15
Quick Ratio 18.15
Debt / Equity Ratio 0.22
Debt / EBITDA 0.80
Debt / FCF 0.74
OCF / Debt 1.34
Interest Coverage 22.20
Altman Z-Score 1.41
Piotroski F-Score 9
Margins & Profitability
Gross Profit Margin 44.0%
Operating Profit Margin 17.3%
EBITDA Margin 16.9%
Net Profit Margin 15.0%
FCF Margin 20.2%
Adj. FCF Margin 20.0%
SBC / Revenue 0.2%
SBC Impact (per share) -1.2%
Returns
Return on Assets 5.0%
Return on Equity 23.0%
Return on Invested Capital 4.6%
Return on Capital Employed 5.1%
Return on Tangible Assets 5.1%
Historical Growth (CAGR)
Revenue CAGR 3Y 7.7%
Revenue CAGR 5Y 6.6%
Revenue CAGR 10Y 4.8%
EPS CAGR 3Y 35.2%
EPS CAGR 5Y 21.1%
EPS CAGR 10Y 16.9%
FCF CAGR 3Y 22.1%
FCF CAGR 5Y 7.5%
FCF CAGR 10Y 10.7%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 42
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date N/A
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $156.20
Graham Upside 18.4%
Lynch Fair Value $323.69
Lynch Upside 145.4%
Price Target $151.33
Price Target Upside 14.7%
Cash Flow
Operating Cash Flow $5.88B
Free Cash Flow $5.87B
Adj. Free Cash Flow $5.8B
FCF Per Share $21.10
OCF Per Share $21.13
OCF/S Ratio 20.3%
Income Statement
Revenue $29.03B
Gross Profit $11.48B
Operating Income $5.02B
EBITDA $5.49B
Net Income $4.37B
EPS (Diluted) $15.37
Revenue / Employee $1.51M
Profit / Employee $227.34K
Employees 19,200
Dividends
Annual Dividend $2.40
Dividend Yield 1.82%
Payout Ratio 15.6%
FCF Payout Ratio 8.2%
Adj. FCF Payout Ratio 8.3%
Dividend Growth (YoY) 15.4%
Pay Frequency Quarterly
Ex-Dividend Date Aug 31, 2026
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