Hartford Financial (HIG) AI Stock Analysis

• Market Cap: $38.07B
• Dividend Yield: 1.66%
• Average Volume (3M): 1.57M
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.45
• 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: 1,483,931
• 30 Day Avg. Volume: 1,572,958
• 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: 1.12
• Enterprise Value/Revenue: 1.54
• Enterprise Value/Gross Profit: 9.55
• Enterprise Value/Ebitda: 8.87
• 1Y Price Target: $144.63
• Price Target Upside: 5.13% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17
• EPS Forecast (FY): 12.45
• Revenue Forecast (FY): $28.25B

• Rating: 82 Outperform
• Price Target: $155.00 ▲(12.67% Upside)

Hartford Financial's strong financial performance and positive earnings call are the most significant factors driving the score. The stock's valuation is attractive, and technical indicators suggest bullish momentum, though caution is advised due to potential overbought conditions. The company's strategic execution and dividend increase further bolster confidence in its growth prospects.

Positive Factors

Revenue Growth

The 9% growth in Business Insurance premiums indicates strong demand and effective market penetration, supporting long-term revenue expansion.

Dividend Increase

A 15% dividend increase reflects strong capital generation and management's confidence in sustained profitability, enhancing shareholder value.

Investment Income

Higher investment income from limited partnerships and reinvestment at higher rates boosts financial resilience and supports future growth.

Negative Factors

Global Specialty Decline

A decline in Global Specialty wholesale due to fewer new construction projects may signal challenges in sustaining growth in this segment.

Competitive Pressures

Intense competition in Personal Insurance could pressure margins and limit growth, necessitating strategic adjustments to maintain competitiveness.

Middle & Large Business Competition

Competitive pressures in Middle & Large business may lead to pricing challenges, impacting profitability and requiring careful underwriting.

Hartford Financial Business Overview & Revenue Model

Company Description

Hartford Financial Services Group, Inc. (HIG) is a leading provider of insurance and financial services, headquartered in Hartford, Connecticut. The company operates primarily through three segments: Property & Casualty, Group Benefits, and Mutual Funds. Hartford offers a wide range of products including automobile, home, and business insurance, as well as employee benefits such as disability and life insurance, and investment products through its asset management services.

How the Company Makes Money

Hartford generates revenue through multiple key streams. The Property & Casualty segment earns money by underwriting various insurance policies and collecting premiums from policyholders, which can include commercial and personal lines insurance. The Group Benefits segment provides employee benefits solutions, where revenue is derived from premiums paid by employers for coverage such as short-term disability and group life insurance. Additionally, Hartford's Mutual Funds segment earns management fees from investment products and services offered to consumers and institutions. The company also benefits from investment income generated from its own investment portfolio, which includes fixed income and equity securities. Strategic partnerships with brokers and agents enhance its distribution capabilities, further contributing to its earnings.

Hartford Financial Financial Statement Overview

Summary

Hartford Financial exhibits strong financial health with consistent revenue and profit growth, efficient operations, and effective capital management. The income statement, balance sheet, and cash flow metrics are all robust, though there is room for improvement in the equity ratio.

Income Statement

Hartford Financial shows strong income statement performance with consistent revenue growth and improving profit margins. The TTM data indicates a gross profit margin of 16.09% and a net profit margin of 12.80%, both of which are healthy for the industry. Revenue growth has been positive, with a 1.59% increase in the latest TTM period. The EBIT and EBITDA margins are also robust, reflecting efficient operations and cost management.

Balance Sheet

The balance sheet is solid with a manageable debt-to-equity ratio of 0.24 in the TTM period, indicating prudent leverage. Return on equity is strong at 20.55%, showcasing effective use of equity capital. The equity ratio stands at 21.70%, reflecting a stable capital structure. However, the relatively low equity ratio suggests some room for improvement in asset financing.

Cash Flow

Cash flow performance is commendable, with a free cash flow growth rate of 3.06% in the TTM period. The operating cash flow to net income ratio is high at 9.75, indicating strong cash generation relative to net income. The free cash flow to net income ratio is also healthy at 0.98, demonstrating efficient cash conversion. Overall, cash flow metrics suggest robust liquidity and financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	27.70B	26.38B	24.33B	21.85B	21.65B	20.32B
Gross Profit	4.47B	3.97B	3.17B	2.05B	2.47B	2.33B
EBITDA	4.82B	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	70.10B	73.02B	76.58B	74.11B
Cash, Cash Equivalents and Short-Term Investments	4.37B	4.25B	126.00M	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	54.77B	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: 137.57
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 137.57 is above the 20-day moving average (MA) of 130.64, above the 50-day MA of 129.94, and above the 200-day MA of 124.84, indicating a bullish trend. The MACD of 2.26 indicates Negative momentum. The RSI at 71.51 is Negative, neither overbought nor oversold. The STOCH value of 86.17 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
HIG	82 Outperform	$38.07B	11.16	20.07%	1.66%	7.11%	22.52%
ACGL	79 Outperform	$33.34B	8.60	17.81%	―	16.68%	-28.54%
PFG	73 Outperform	$18.61B	12.33	13.74%	3.67%	12.33%	―
AEG	69 Neutral	$11.90B	8.29	14.42%	5.72%	-6.19%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AIG	59 Neutral	$40.47B	13.45	7.68%	2.11%	-23.02%	52.43%
EQH	40 Underperform	$13.39B	―	-41.33%	2.25%	7.70%	-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.