The Hartford Insurance Group, Inc. logo

The Hartford Insurance Group, Inc.

HIG

NYSEFinancial ServicesInsurance - Diversified

Previous close

$136.1

−$1.02 · -0.74%

Aug 21, 4:00 PM ET

Pre-market

$136.1

$0.00 · 0.00%

Aug 24, 4:58 AM ET

HIG company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

99

Deep Value

Momentum

50

Neutral

Sentiment

65

Bullish

Risk resilience

83

Low Risk

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Company profile

Company website

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.

Industry
Insurance - Diversified
Sector
Financial Services
Headquarters
US
CEO
Christopher J. Swift
Listed since
Dec 15, 1995
Employees
19,200

Market position

Day range

Current $136.1

52-week range

Current $136.1

Open
$137.47
Previous close
$137.12
Volume
2.33M
1.38× average
Average volume
1.69M
Average daily volume
Market cap
37.31B USD
Beta
0.46
Market reference 1
50-day average
$137.44
-0.98% below average
200-day average
$135.86
+0.18% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
43.15B USD
P/E (TTM)
8.72×
P/B (TTM)
1.93×
P/S (TTM)
1.29×
EV / EBITDA
8.06×
Earnings yield
9.86%
Free cash flow yield
14.78%
Dividend yield
1.70%

Profitability & efficiency

Gross margin
43.95%
Operating margin
15.21%
Net margin
15.03%
Return on equity
20.21%
Return on assets
4.46%
Return on invested capital
28.21%

Financial health

Debt / equity
0.22×
Current ratio
17.65×
Altman Z-score
1.39
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends50%35%20%5%Gross margin, FY2021: 11.41%Gross margin, FY2022: 9.39%Gross margin, FY2023: 13.02%Gross margin, FY2024: 15.05%Gross margin, FY2025: 46.08%Operating margin, FY2021: 13.42%Operating margin, FY2022: 10.35%Operating margin, FY2023: 12.69%Operating margin, FY2024: 14.59%Operating margin, FY2025: 16.84%Net margin, FY2021: 10.95%Net margin, FY2022: 8.32%Net margin, FY2023: 10.29%Net margin, FY2024: 11.79%Net margin, FY2025: 13.57%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 11.41%. Gross margin FY2022 9.39%. Gross margin FY2023 13.02%. Gross margin FY2024 15.05%. Gross margin FY2025 46.08%. Operating margin FY2021 13.42%. Operating margin FY2022 10.35%. Operating margin FY2023 12.69%. Operating margin FY2024 14.59%. Operating margin FY2025 16.84%. Net margin FY2021 10.95%. Net margin FY2022 8.32%. Net margin FY2023 10.29%. Net margin FY2024 11.79%. Net margin FY2025 13.57%.

Income trends

Revenue

28.26B USD+7.10%

Operating income

4.76B USD+23.67%

Net income

3.84B USD+23.30%
Income trends across reported periods30.9B USD20.33B USD9.75B USD−824.9M USDRevenue, FY2021: 21.65B USDRevenue, FY2022: 21.85B USDRevenue, FY2023: 24.33B USDRevenue, FY2024: 26.38B USDRevenue, FY2025: 28.26B USDOperating income, FY2021: 2.91B USDOperating income, FY2022: 2.26B USDOperating income, FY2023: 3.09B USDOperating income, FY2024: 3.85B USDOperating income, FY2025: 4.76B USDNet income, FY2021: 2.37B USDNet income, FY2022: 1.82B USDNet income, FY2023: 2.5B USDNet income, FY2024: 3.11B USDNet income, FY2025: 3.84B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 21.65B USD. Revenue FY2022 21.85B USD. Revenue FY2023 24.33B USD. Revenue FY2024 26.38B USD. Revenue FY2025 28.26B USD. Operating income FY2021 2.91B USD. Operating income FY2022 2.26B USD. Operating income FY2023 3.09B USD. Operating income FY2024 3.85B USD. Operating income FY2025 4.76B USD. Net income FY2021 2.37B USD. Net income FY2022 1.82B USD. Net income FY2023 2.5B USD. Net income FY2024 3.11B USD. Net income FY2025 3.84B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue28.26B USD26.38B USD24.33B USD21.85B USD21.65B USD
Cost of goods sold15.24B USD22.41B USD21.16B USD19.8B USD19.18B USD
Gross profit13.02B USD3.97B USD3.17B USD2.05B USD2.47B USD
Operating expenses8.26B USD121M USD79M USD−211M USD−435M USD
Interest expense199M USD199M USD199M USD213M USD234M USD
Depreciation and amortization396M USD356M USD510M USD625M USD680M USD
Operating income4.76B USD3.85B USD3.09B USD2.26B USD2.91B USD
Net income3.84B USD3.11B USD2.5B USD1.82B USD2.37B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+10.40%
11 comparable reports
Latest EPS result
3.42
Estimate 3.16 · Beat by 8.23%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates4.223.482.731.99Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 2.94, estimate 2.68, surprise +9.70%, Beat. Q2 2025, reported Apr 24, 2025: actual 2.2, estimate 2.15, surprise +2.33%, Beat. Q3 2025, reported Jul 28, 2025: actual 3.41, estimate 2.83, surprise +20.49%, Beat. Q4 2025, reported Oct 27, 2025: actual 3.78, estimate 3.09, surprise +22.33%, Beat. Q1 2026, reported Jan 29, 2026: actual 4.06, estimate 3.17, surprise +28.08%, Beat. Q2 2026, reported Apr 23, 2026: actual 3.09, estimate 3.39, surprise -8.85%, Miss. Q3 2026, reported Jul 23, 2026: actual 3.42, estimate 3.16, surprise +8.23%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 3.06, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates7.64B7.2B6.76B6.32BQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 6.8B USD, estimate 6.61B USD, surprise +2.82%, Beat. Q2 2025, reported Apr 24, 2025: actual 6.77B USD, estimate 6.81B USD, surprise -0.52%, Miss. Q3 2025, reported Jul 28, 2025: actual 6.99B USD, estimate 7.04B USD, surprise -0.79%, Miss. Q4 2025, reported Oct 27, 2025: actual 7.15B USD, estimate 7.17B USD, surprise -0.26%, Miss. Q1 2026, reported Jan 29, 2026: actual 7.34B USD, estimate 7.29B USD, surprise +0.61%, Beat. Q2 2026, reported Apr 23, 2026: actual 7.23B USD, estimate 7.35B USD, surprise -1.68%, Miss. Q3 2026, reported Jul 23, 2026: actual 7.26B USD, estimate 7.17B USD, surprise +1.32%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 7.27B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$151.33

11.19% upside
Past 12 months12-month forecastHigh $154Average $151.33Low $146

Rating distribution

42 ratings
Strong buy00%
Buy2355%
Hold1945%
Sell00%
Strong sell00%

Recent analyst actions

12 institutions

HIG news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$2.16

2025 complete year+50.5% since 2021

2026 partial: $1.20

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 1, 2026

$0.60

Quarterly

Record Sep 1, 2026 · Payment Oct 2, 2026

Dividend

Ex-dividend Jun 1, 2026

$0.60

Quarterly

Record Jun 1, 2026 · Payment Jul 2, 2026

Dividend

Ex-dividend Mar 2, 2026

$0.60

Quarterly

Record Mar 2, 2026 · Payment Apr 2, 2026

Dividend

Ex-dividend Dec 1, 2025

$0.60

Quarterly

Record Dec 1, 2025 · Payment Jan 5, 2026

Dividend

Ex-dividend Sep 2, 2025

$0.52

Quarterly

Record Sep 2, 2025 · Payment Oct 2, 2025

Dividend

Ex-dividend Jun 2, 2025

$0.52

Quarterly

Record Jun 2, 2025 · Payment Jul 2, 2025

HIG peers

ETFs holding HIG

Funds reporting this stock among their holdings, ordered by reported position size.

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