The Hartford exhibits strong business quality through disciplined underwriting, market leadership in Small Commercial, and robust performance in Group Benefits. However, challenges with general liability reserves and the need for improved profitability in Personal Lines present risks. Looking ahead, the company is well-positioned for growth and innovation, although it must navigate existing challenges in its segments.
Analysis Date: January 31, 2025 Last Updated: May 29, 2025
+211%
+12.0% per year
Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.
CountryUS
ExchangeNYSE
IndustryInsurance - Diversified
SectorFinancial Services
Market Cap$31.50B
CEOMr. Christopher Jerome Swift CPA
The Hartford Financial Services Group, Inc. is a company that provides different types of insurance and financial services to people and businesses. They help protect individuals with car and home insurance, while also offering coverage for businesses against risks like accidents and damages. Additionally, they provide group insurance plans, such as life and disability insurance, for employees at various companies. Founded in 1810 and based in Hartford, Connecticut, The Hartford aims to keep customers safe and secure in their personal and professional lives.
Streams of revenue
Property, Liability and Casualty Insurance Product Line:100%
Geographic Distribution
United States:67%
Europe:17%
Asia:10%
Other:7%
Estimations for reference only
Core Products
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AnnuitiesRetirement income
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Mutual FundsInvestment solutions
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Group BenefitsEmployee benefits
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Personal InsuranceHome & auto coverage
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Commercial InsuranceBusiness coverage
Business Type
Business to Business
Competitive Advantages
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
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Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.
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HIG Stock Analysis: The Hartford Financial Services Group, Inc. Investment Guide
HIG (The Hartford Financial Services Group, Inc.) is a Financial Services company listed on New York Stock Exchange. The stock has generated 12.0% annual returns with an overall investment score of None/100.
The Hartford exhibits strong business quality through disciplined underwriting, market leadership in Small Commercial, and robust performance in Group Benefits. However, challenges with general liability reserves and the need for improved profitability in Personal Lines present risks. Looking ahead, the company is well-positioned for growth and innovation, although it must navigate existing challenges in its segments.
HIG Key Financial Metrics
HIG financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 7.771438100483241/100 and profitability score of 3.75/100 with financial health rated 10.0/100.
About The Hartford Financial Services Group, Inc.
The Hartford Financial Services Group, Inc. is a company that provides different types of insurance and financial services to people and businesses. They help protect individuals with car and home insurance, while also offering coverage for businesses against risks like accidents and damages. Additionally, they provide group insurance plans, such as life and disability insurance, for employees at various companies. Founded in 1810 and based in Hartford, Connecticut, The Hartford aims to keep customers safe and secure in their personal and professional lives.
HIG Investment Recommendation
Based on our comprehensive analysis of HIG, investors should consider the company's strong performance track record, earnings consistency (7/10 quarters beat expectations), and current valuation metrics when making investment decisions.
Financial Services Sector Analysis
HIG operates in the Insurance - Diversified industry within the Financial Services sector. This analysis compares The Hartford Financial Services Group, Inc. performance against industry and sector benchmarks to provide context for investment decisions.
Frequently Asked Questions about HIG Stock
Is HIG a good investment?
HIG (The Hartford Financial Services Group, Inc.) has generated 12.0% annual returns with an overall score of None/100. The Hartford exhibits strong business quality through disciplined underwriting, market leadership in Small Commercial, and robust performance in Group Benefits. However, challenges with general liability reserves and the need for … Investors should consider their risk tolerance and investment goals when evaluating HIG.
What is HIG P/E ratio and valuation?
HIG valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Diversified industry and Financial Services sector benchmarks. The company currently has a valuation score of 7.771438100483241/100.
Should I buy HIG stock now?
The decision to buy HIG stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 3.75/100, financial health score of 10.0/100, and detailed performance metrics to help inform your investment decision.
What are HIG financial health indicators?
HIG financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 10.0/100 based on comprehensive analysis of balance sheet strength and operational efficiency.
How does HIG compare to competitors?
HIG performance is benchmarked against Insurance - Diversified industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for The Hartford Financial Services Group, Inc.'s market position.
What are HIG historical returns?
HIG has generated 12.0% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.
HIG Key Investment Metrics Summary
Annual Return: 12.0%
Valuation Score: 7.771438100483241/100
Profitability Score: 3.75/100
Financial Health Score: 10.0/100
Growth Score: 3.931710472907448/100
Earnings Beat Rate: 7/10 quarters
Sector: Financial Services
Industry: Insurance - Diversified
Exchange: New York Stock Exchange
Market Cap: 31496657150
HIG Investment Thesis
The Hartford Financial Services Group, Inc. (HIG) represents a strong investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.
Investment Strengths
Attractive P/E Ratio
Low Price to Sales Ratio
Strong Gross Profit Margin
Healthy Return on Equity
Low Debt to Equity Ratio
Strong Interest Coverage Ratio
Strong Underwriting Execution
Market Leadership in Small Commercial
Robust Growth in Group Benefits
Strategic Growth and Innovation Focus
Sustained Premium Growth in Commercial Lines
Investment Risks
Moderate EV/EBITDA Ratio
PB Ratio Above Industry Average
Moderate Net Profit Margin
Operating Profit Margin Needs Improvement
Liquidity Ratios Indicating Potential Concerns
General Liability Reserve Adjustments
Challenges in Personal Lines
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