Hartford Financial (HIG) AI Stock Analysis

• Market Cap: $35.73B
• Dividend Yield: 1.66%
• Average Volume (3M): 1.50M
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.50
• Revenue Growth: 7.11%
• EPS Growth: 22.52%
• Country: US
• Employees: 19,100
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 3.78
• Shares Outstanding: 278,650,300
• 10 Day Avg. Volume: 1,693,836
• 30 Day Avg. Volume: 1,497,736
• PEG Ratio: 0.35
• Price to Book (P/B): 1.95
• Price to Sales (P/S): 1.22
• P/FCF Ratio: 5.58
• Enterprise Value/Market Cap: 1.20
• Enterprise Value/Revenue: 1.54
• Enterprise Value/Gross Profit: 13.47
• Enterprise Value/Ebitda: 8.78
• 1Y Price Target: $144.06
• Price Target Upside: 12.60% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17
• EPS Forecast (FY): 12.38
• Revenue Forecast (FY): $28.25B

• Rating: 74 Outperform
• Price Target: $139.00 ▲(8.64% Upside)

Hartford Financial's overall stock score is driven by strong financial performance and positive earnings call highlights, including record core earnings and strategic growth in key segments. The valuation is reasonable, supporting a stable investment outlook. However, technical analysis indicates bearish momentum, which could pose short-term challenges.

Positive Factors

Strong Financial Performance

Record earnings and high ROE indicate strong financial health and effective strategic execution, supporting long-term growth.

Business Insurance Growth

Growth in Business Insurance premiums reflects strong market demand and effective product offerings, enhancing revenue stability.

Dividend Increase

A significant dividend increase signals strong capital generation and management's confidence in sustained cash flow.

Negative Factors

Global Specialty Wholesale Decline

Decline in Global Specialty wholesale suggests challenges in market demand, potentially impacting future revenue in this segment.

Personal Insurance Competitive Pressure

Competitive pressures in Personal Insurance could limit market share expansion and affect pricing power, impacting margins.

Middle & Large Business Competition

Increased competition in Middle & Large business may necessitate cautious underwriting, potentially affecting profitability.

Hartford Financial Business Overview & Revenue Model

Company Description

The 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.

How the Company Makes Money

Hartford makes money primarily through premium collections from its insurance operations. The company generates revenue by underwriting various types of insurance policies, which include auto, homeowners, and commercial insurance. It also earns investment income from the assets it holds to back its insurance policies and from its investment management services. Key revenue streams include the sale of group benefits insurance products and mutual funds. The company benefits from partnerships with independent agents and brokers who distribute its insurance products, enhancing its market reach and client acquisition. Furthermore, Hartford strategically invests in its own portfolio, which allows for additional revenue through investment gains.

Hartford Financial Financial Statement Overview

Summary

Hartford Financial presents a strong financial profile with robust profitability metrics, effective cost management, and stable revenue growth. The balance sheet reflects low leverage, promoting financial stability, while cash flow metrics confirm efficient cash utilization. Overall, the company is well-positioned in the insurance industry, with a solid foundation for future growth and resilience against market fluctuations.

Income Statement

Hartford Financial exhibits solid profitability with a TTM Gross Profit Margin of 15.23%, and a Net Profit Margin of 11.90%. The company has maintained a healthy revenue growth rate of 3.37% from the previous year. EBIT and EBITDA margins stand at 14.87% and 15.83% respectively, indicating efficient cost management and operational effectiveness. The consistent revenue growth reflects strong market positioning in the insurance sector.

Balance Sheet

The company maintains a stable financial position with a Debt-to-Equity Ratio of 0.25, which indicates low leverage and a conservative approach in capital structure. The Return on Equity is robust at 18.52%, showcasing effective use of shareholder funds to generate profits. However, the Equity Ratio of 20.94% suggests a moderate degree of financial stability, with potential room for improving equity financing.

Cash Flow

Hartford Financial demonstrates strong cash flow management with a Free Cash Flow Growth Rate of -0.83% in the TTM period, which remains relatively stable. The Operating Cash Flow to Net Income Ratio is 1.80, indicating efficient conversion of earnings into cash. The Free Cash Flow to Net Income Ratio of 1.76 further supports the company's ability to generate cash, ensuring liquidity and operational flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	27.79B	26.38B	24.33B	21.85B	21.65B	20.32B
Gross Profit	3.17B	3.97B	3.17B	2.05B	2.47B	2.33B
EBITDA	4.87B	4.21B	3.60B	2.89B	3.58B	2.68B
Net Income	3.56B	3.11B	2.50B	1.82B	2.37B	1.74B
Balance Sheet
Total Assets	85.00B	80.92B	76.78B	73.02B	76.58B	74.11B
Cash, Cash Equivalents and Short-Term Investments	4.37B	4.25B	19.30B	4.09B	46.75B	48.47B
Total Debt	4.37B	4.37B	4.36B	4.36B	4.94B	4.35B
Total Liabilities	66.55B	64.47B	61.45B	59.39B	58.73B	55.55B
Stockholders Equity	18.45B	16.45B	15.33B	13.63B	17.84B	18.56B
Cash Flow
Free Cash Flow	5.89B	5.76B	4.00B	3.83B	3.96B	3.76B
Operating Cash Flow	5.99B	5.91B	4.22B	4.01B	4.09B	3.87B
Investing Cash Flow	-3.81B	-3.77B	-2.43B	-1.28B	-2.41B	-2.12B
Financing Cash Flow	-2.24B	-2.08B	-1.95B	-2.71B	-1.58B	-1.78B

Hartford Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 127.94
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIG, the sentiment is Positive. The current price of 127.94 is above the 20-day moving average (MA) of 125.81, below the 50-day MA of 129.55, and above the 200-day MA of 123.41, indicating a neutral trend. The MACD of -0.92 indicates Negative momentum. The RSI at 53.25 is Neutral, neither overbought nor oversold. The STOCH value of 86.43 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HIG.

Hartford Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACGL	79 Outperform	$32.65B	8.20	17.81%	―	16.68%	-28.54%
HIG	74 Outperform	$35.73B	10.48	20.07%	1.66%	7.11%	22.52%
PFG	73 Outperform	$18.03B	11.95	13.74%	3.67%	12.33%	―
AEG	69 Neutral	$11.92B	8.24	14.42%	5.80%	-6.19%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AIG	59 Neutral	$42.28B	13.68	7.68%	2.11%	-23.02%	52.43%
EQH	54 Neutral	$14.64B	―	-41.33%	2.27%	4.80%	-155.12%

Hartford Financial Corporate Events

Hartford Financial Services Reports Record Earnings

Hartford Financial Services, known as The Hartford, is a prominent player in the property and casualty insurance sector, offering a range of services including employee benefits and mutual funds. The company is recognized for its strong service excellence and sustainability practices.

Hartford Financial Services Reports Record Earnings Amid Strategic Success

The recent earnings call for Hartford Financial Services painted a picture of robust performance and strategic success, underscored by record core earnings. The company showcased significant achievements across various segments, notably in Business Insurance and Employee Benefits. However, the call also highlighted challenges in specific areas such as Global Specialty wholesale and competitive pressures in Personal Insurance and Middle & Large business sectors.

Hartford Financial Secures $750M Credit Facility Agreement

On September 24, 2025, The Hartford Insurance Group, Inc. entered into a Second Amended and Restated Credit Agreement with several major banks, securing a revolving credit facility of up to $750 million, with provisions for an additional $500 million. This agreement, which expires in 2030, includes financial covenants and allows for borrowings in alternative currencies, impacting the company’s financial flexibility and operational capabilities.

The most recent analyst rating on (HIG) stock is a Buy with a $140.00 price target. To see the full list of analyst forecasts on Hartford Financial stock, see the HIG Stock Forecast page.

Hartford Financial Services Reports Strong Q2 2025 Results

Hartford Financial Services, a prominent player in the property and casualty insurance, employee benefits, and mutual funds sectors, has reported robust financial results for the second quarter of 2025. Known for its service excellence and sustainability practices, the company continues to demonstrate strong performance across its diverse offerings.

Hartford Financial’s Earnings Call Highlights Robust Growth

The Hartford Financial Services Group recently held an earnings call that exuded a positive sentiment, reflecting the company’s robust performance across various segments. The call highlighted record core earnings, significant growth in Business and Personal Insurance, and strong results in Global Specialty and Employee Benefits. Despite facing minor challenges such as flat premium growth in Employee Benefits and pricing pressure in specific property markets, the overall sentiment remained optimistic due to the company’s strategic execution and market positioning.