Hartford Insurance Group, Inc. (HIG)

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.

Symbol
HIG
Exchange
NYSE
Sector
Financial Services
Industry
Insurance - Diversified
Market cap
$34.45B
52 week range
120.33 - 146.07

Valuation

Share price
$126.05 (close of 2026-10-02)
P/E (TTM)
8.05x
Price to book
1.75x
Price to free cash flow
5.87x
Enterprise value
$38.62B
Book value per share
$71.84

Price performance

PeriodChange
1 day+0.25%
5 days+1.47%
1 month-8.13%
3 months-8.56%
6 months-7.45%
Year to date-8.53%
1 year-5.18%
3 years+77.96%
5 years+77.51%
10 years+194.37%
All time+406.63%

Members of Congress who disclosed HIG trades

Val Hoyle · Alan Armstrong

Super investors holding HIG

Ken Griffin (Citadel) · Ray Dalio (Bridgewater Associates)

Profitability and growth

Return on equity
20.21%
Return on assets
4.46%
Net margin
254.71%
EBITDA margin
355.58%
Revenue growth
3.29%
Net income growth
23.30%
Free cash flow growth
-0.19%

Cash flow and balance sheet

Free cash flow yield (TTM)
17.05%
Net debt to EBITDA
0.74x

Latest reported year

Period end
2025-12-31
Fiscal year
2025
Revenue
$1.51B
EBITDA
$5.36B
Net income
$3.84B
Earnings per share
$13.51
Interest expense
$199.00M
Shares outstanding
282.40M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$1.51B$3.84B$13.51
2024-12-31$1.46B$3.11B$10.51
2023-12-31$1.38B$2.50B$8.09
2022-12-31$1.42B$1.82B$5.54
2021-12-31$1.57B$2.37B$6.73
2020-12-31$1.36B$1.74B$4.79
2019-12-31$1.40B$2.08B$5.72
2018-12-31$1.42B$1.81B$5.03
2017-12-31$1.25B-$3.13B$-8.61
2016-12-31$16.29B$896.00M$2.31

Margins and returns by year

Period endNet marginReturn on equity
2025-12-31254.71%20.21%
2024-12-31213.37%18.92%
2023-12-31181.19%16.34%
2022-12-31127.83%13.30%
2021-12-31151.12%13.32%
2020-12-31127.72%9.36%
2019-12-31148.50%12.81%
2018-12-31127.43%13.79%
2017-12-31-249.88%-23.20%
2016-12-315.50%-265.88%

Cash and debt by year

Period endCashDebt
2025-12-31$177.00M$4.37B
2024-12-31$234.00M$4.37B
2023-12-31$189.00M$4.36B
2022-12-31$344.00M$4.36B
2021-12-31$337.00M$4.94B
2020-12-31$239.00M$4.35B
2019-12-31$262.00M$4.35B
2018-12-31$121.00M$4.26B
2017-12-31$180.00M$4.68B
2016-12-31$3.57B$4.49B

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$5.75B$141.00M
2024-12-31$5.76B$133.00M
2023-12-31$4.00B$125.00M
2022-12-31$3.83B$131.00M
2021-12-31$3.96B$128.00M
2020-12-31$3.76B$116.00M
2019-12-31$3.38B$125.00M
2018-12-31$2.72B$130.00M
2017-12-31$1.94B$116.00M
2016-12-31$1.84B$81.00M

Dividend history

Most recent payment
2026-09-01
Paid in the last twelve months
$2.40
Payment dateDividend per share
2026-09-01$0.60
2026-06-01$0.60
2026-03-02$0.60
2025-12-01$0.60
2025-09-02$0.52
2025-06-02$0.52
2025-03-03$0.52
2024-12-02$0.52

Investor relations

Next earnings report

Next confirmed report
2026-10-26
Consensus EPS estimate
$3.10

Past earnings dates

ReportedFiscal periodEPS estimate
2026-07-23Jun/2026$3.12
2026-04-23Mar/2026$3.29
2026-01-29Dec/2025$3.17
2025-10-27Sep/2025$3.13
2025-07-28Jun/2025$2.77
2025-04-24Mar/2025$2.13
2025-01-30Dec/2024$2.67
2024-10-24Sep/2024$2.49

Filings and sources

Company website
thehartford.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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