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Apr 23, 2026·SEC
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Jan 29, 2026·SEC
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Dec 12, 2025·SEC
The Hartford Financial Services Group, Inc.(HIG)Earnings, Financials & Key Ratios
HIG•NYSE•Insurance & Managed Care
$139.64
10.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryCommercial and specialty P&C insurers
AboutThe Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment 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; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.Show more
- Revenue$28.26B+7.1%
- Combined Ratio83.16%-2.6%
- Net Income$3.84B+23.3%
- Return on Equity21.66%+10.6%
- Medical Cost Ratio53.92%-36.5%
- Operating Margin16.84%+15.5%
- Net Margin13.57%+15.1%
- ROA4.6%+11.6%
- Equity / Assets22.07%+8.6%
HIG Price & Volume
The Hartford Financial Services Group, Inc. (HIG) stock price & volume — 10-year historical chart
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Underwriting Discipline Drives Hartford Margin Expansion Trends
Investment Thesis • Updated 2026Q1
VerdictPositive: The stock presents an attractive valuation with a PEG ratio of 0.44
Growth:Stable
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Social inflation litigation costs
Key Thesis Takeaways
- The Hartford demonstrates a compelling fundamental outlook driven by consistent 6.1% revenue growth and significant underwriting improvements, as evidenced by the combined ratio tightening to 80.7% in 2025Q4.
- While the company maintains a robust capital buffer with equity expanding to $18.9 billion, investors should monitor the latent risks associated with social inflation and long-tail litigation costs.
- The firm's ability to sustain a high OCF/NI ratio, which peaked at 2.20 in 2024Q4, supports a disciplined capital allocation strategy that balances aggressive share buybacks with long-term reserve adequacy.
Verdict Logic
suggesting that the market may be underpricing the company's consistent 6.1% revenue growth and improved underwriting profitability.
HIG Growth Metrics
The Hartford Financial Services Group, Inc. (HIG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.85%
5 Years6.82%
3 Years8.94%
TTM7.33%
Profit CAGR
10 Years8.59%
5 Years17.17%
3 Years28.24%
TTM35.94%
EPS CAGR
10 Years12.9%
5 Years22.85%
3 Years34.78%
TTM41.77%
Return on Capital
10 Years4.98%
5 Years5.05%
3 Years6.09%
Last Year5.75%
HIG Recent Earnings
The Hartford Financial Services Group, Inc. (HIG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$3.09-8.8%
$3.39
Rev
$7.2B-1.7%
$7.3B
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$4.06+28.1%
$3.17
Rev
$7.3B+0.6%
$7.3B
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$3.78+22.3%
$3.09
Rev
$7.1B-0.3%
$7.2B
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$3.41+20.5%
$2.83
Rev
$7.0B-0.8%
$7.0B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $3.09vs $3.39-8.8% | $7.2Bvs $7.3B-1.7% |
| Q1 2026 | Jan 29, 2026 | $4.06vs $3.17+28.1% | $7.3Bvs $7.3B+0.6% |
| Q4 2025 | Oct 27, 2025 | $3.78vs $3.09+22.3% | $7.1Bvs $7.2B-0.3% |
| Q3 2025 | Jul 28, 2025 | $3.41vs $2.83+20.5% | $7.0Bvs $7.0B-0.8% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for The Hartford Financial Services Group, Inc. (HIG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $139.64 | $38.4B | 10.48 | 7.1% | 13.57% | 21.66% | 1.48% | |
| $343.73 | $73.09B | 12.53 | 5.17% | 15.54% | 24.14% | — | |
| $359.30 | $139.36B | 13.96 | 6.47% | 18.48% | 14.49% | — | |
| $51.80 | $14.01B | 11.04 | 5.1% | 8.95% | 11.94% | — | |
| $71.54 | $26.63B | 16.08 | 7.82% | 12.64% | 19.47% | — | |
| $394.62 | $47.38B | 40.10 | 10.06% | 0.82% | 6.17% | — |
Compare HIG vs Peers
The Hartford Financial Services Group, Inc. (HIG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HIG SEC Filings & Documents
The Hartford Financial Services Group, Inc. (HIG) SEC filings — annual & quarterly reports (10-K, 10-Q)
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HIG Frequently Asked Questions
The Hartford Financial Services Group, Inc. (HIG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is The Hartford Financial Services Group, Inc. growing?
The Hartford Financial Services Group, Inc. (HIG) grew revenue by 7.1% over the past year. This is steady growth.
Is HIG profitable?
Yes, The Hartford Financial Services Group, Inc. (HIG) is profitable, generating $4.06B in net income for fiscal year 2025 (13.6% net margin).
Dividend & Returns
Does HIG pay dividends?
Yes, The Hartford Financial Services Group, Inc. (HIG) pays a dividend with a yield of 1.48%. This makes it attractive for income-focused investors.
What is HIG's return on equity?
The Hartford Financial Services Group, Inc. (HIG) has a return on equity (ROE) of 21.7%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
What is The Hartford Financial Services Group, Inc.'s combined ratio?
The Hartford Financial Services Group, Inc. (HIG) has a combined ratio of 83.2%. A ratio below 100% indicates underwriting profitability.