Stock Analysis
The Hartford Insurance Group, Inc.HIG
P/E 8.38×· 5Y range 7.76–13.94×· bottom 2% of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsHold29 analystsP/E 8.4× sits at the 2nd percentile of its 5.086926762491444-year history.
Cash covers 3% of debt · Q2 2026.
PMP Verdict
Strong business, attractive price
Strengths
- Quality97
- Profitability80
Risks
- Financial Health48
High-quality business at an attractive price.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓ROE 22.2% — efficient capital deployment
- ✓Interest coverage 23.2× — debt well covered
- ✓P/E 8.4× at bottom 2% of 5-year history
What's happening with HIG
Profile
Strong valuation, earnings quality and profitability; moat and financial health lag behind.
How is each axis scored?
- Valuation100/100 · Strong
- P/E vs own history (2th pct)25/25
- FCF yield (15.6%)25/25
- P/S (1.3x)25/25
- EV/EBIT (8.1x)25/25
- Growth52/100 · Moderate
- Revenue CAGR (6.1%)12/25
- Net income CAGR (12.9%)20/25
- EPS CAGR 5Y (19.1%)20/25
- Fwd implied growth (-12.4%)0/25
- Profitability80/100 · Strong
- ROIC (16.7%)20/25
- ROE (22.2%)20/25
- Net margin (15.2%)20/25
- Operating margin (17.5%)20/25
- Financial Health48/100 · Weak
- Altman Z (0.67)3/25
- Current ratio (n/a)0/25
- Interest coverage (23.2x)25/25
- Net cash / debt (D/A 5%)20/25
- Quality97/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.54)25/25
- FCF conversion (131%)25/25
- Margin stability (σ 3.0%)25/25
- Moat45/100 · Weak
- ROIC >12% years (4/5 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst -18.4%)0/25
Risk Flags
- ⚠Altman Z 0.7 — distress-zone balance sheet
About The Hartford Insurance Group, Inc.
The Hartford Insurance Group Inc. Show more
provides property and casualty insurance, group benefits, and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust, and integrity. The Company currently conducts business principally in five reportable segments, including Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds, as well as a Corporate category. The company generates a majority of its revenue from Business Insurance.
Headquarters: HARTFORD, CT · Employees: 19,200 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
100A+P/E (TTM)8.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.8x–13.9x · 2nd pct
P/FCF6.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield15.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 10.7%–19.4% · 56th pct
P/S (TTM)1.27xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.9x–1.5x · 60th pct
EV/EBIT8.1xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 7.1x–14.0x · 9th pct
EV/Sales1.4xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.86xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.09C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.78%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio14.8%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
80AROIC16.7%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE22.2%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA5.1%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.2%A
Grade A: HighNet Income / Revenue
Operating Margin17.5%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin19.8%A
Grade A: HighFCF / Revenue
True FCF Margin19.8%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
52CRevenue CAGR6.1%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR12.9%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)19.1%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-12.4%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-25.6%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score0.67D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage23.2xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.7yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.8xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.22xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.03xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
97A+Piotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.54A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion130.7%A
Grade A: StrongFCF / Net Income
Margin Stability3.0%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue0.6%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.34xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Swift Christopher Filed | Swift Christopher | Gift | -35088 | |
Rippert Annette Filed | Rippert Annette | Grant / award | +1.4K | |
Roseborough Teresa Wynn Filed | Roseborough Teresa Wynn | Grant / award | +1.4K | |
Winters Kathleen A Filed | Winters Kathleen A | Grant / award | +1.4K | |
Winter Matthew E Filed | Winter Matthew E | Grant / award | +1.4K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Dominguez Carlos Filed | Dominguez Carlos | Grant / award | +821 | |
Dominguez Carlos Filed | Dominguez Carlos | Grant / award | +1.4K | |
De Shon Larry D Filed | De Shon Larry D | Grant / award | +1.4K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
45D+ROIC >12% Years4/5 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-18.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$16.11
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.37
Cash & short-term investments per share (Finnhub)
Book Value / Share$72.28
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$4.38B
Total debt obligations (short + long term)
Cash & Equiv.$125.00M
Cash and short-term investments
Net Debt$4.26B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$19.63B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$36.60B
Current Market Capitalization
Beta0.49B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: The Hartford Insurance Group, Inc. (HIG)
HIG is up 1.74% at the last close. The Hartford Insurance Group, Inc. meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 0.67 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.54 suggests a low likelihood of earnings manipulation. The Hartford Insurance Group, Inc. converts about 20% of revenue into free cash flow — strong cash generation.
- Takes ~0.7 years to repay net debt from free cash flow.
- The Hartford Insurance Group, Inc. posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 100/100, HIG trades near the cheapest end of its own historical range (P/E 8.4).
- Return on equity of 22.2% is well above the market average.
See how HIG ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all HIG moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 1 | Regular | 125.58 | +2.63% | 2.72 |
| Sep 30 | After-hours | 122.36 | -2.77% | -2.23 |
Frequently Asked Questions about HIG
What is the current The Hartford Insurance Group, Inc. (HIG) stock price?
HIG is trading at $135.12 at the last market close, up 1.74% on the session. PreMarketPrice tracks HIG pre-market, intraday and after-hours prices.
Is HIG stock a buy right now?
PreMarketPrice's quantitative model rates The Hartford Insurance Group, Inc.'s financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is HIG stock overvalued?
The Hartford Insurance Group, Inc. trades at a trailing P/E of 8.4 and our valuation score rates it 100/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does The Hartford Insurance Group, Inc. report earnings?
No confirmed earnings date is currently scheduled for HIG. The Earnings section lists recent reports and updates as dates are announced.
What sector does The Hartford Insurance Group, Inc. operate in?
The Hartford Insurance Group, Inc. operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does The Hartford Insurance Group, Inc. do?
The Hartford Insurance Group Inc.
About The Hartford Insurance Group, Inc. (HIG) Stock
The Hartford Insurance Group, Inc. (HIG) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, The Hartford Insurance Group, Inc. is trading at $135.12, up 1.74% on the day with a market capitalization of $36.6 billion. The financial health score for HIG is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for HIG stock.
HIG Stock Analysis & Key Metrics
On PreMarketPrice, you can track The Hartford Insurance Group, Inc. (HIG) across multiple dimensions:
- Pre-market price & movement: Real-time HIG stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for HIG with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for The Hartford Insurance Group, Inc. across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for HIG.
- Sector peers: Compare HIG against 6 other financial services stocks on key financial metrics.
Is HIG a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate The Hartford Insurance Group, Inc. (HIG) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.The Hartford Insurance Group, Inc. (HIG) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.