Hartford Financial (HIG) AI Stock Analysis

• Market Cap: $36.03B
• Dividend Yield: 1.58%
• Average Volume (3M): 1.62M
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.52
• Revenue Growth: 7.67%
• EPS Growth: 15.99%
• Country: US
• Employees: 19,100
• Sector: Financial
• Sector Strength: 67
• Industry: Insurance - Diversified
• EPS (TTM): 3.41
• Shares Outstanding: 281,171,660
• 10 Day Avg. Volume: 1,706,294
• 30 Day Avg. Volume: 1,623,527
• PEG Ratio: 0.35
• Price to Book (P/B): 1.95
• Price to Sales (P/S): 1.21
• P/FCF Ratio: 5.58
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 1.51
• Enterprise Value/Gross Profit: 9.92
• Enterprise Value/Ebitda: 9.34
• 1Y Price Target: $140.58
• Price Target Upside: 9.69% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 14

• Rating: 79 Outperform
• Price Target: $143.00 ▲(11.58% Upside)

Hartford Financial's strong financial performance and positive earnings call sentiment are the primary drivers of the stock's high score. While technical analysis is stable, the valuation is attractive, and recent corporate events add strategic value. Overall, the company is well-positioned for growth.

Positive Factors

Earnings

The Hartford saw strong earnings driven by all segments, partially offset by slower growth.

Share Repurchases

Share repurchases of $400 million came in above expectations.

Underwriting

Strong Business Insurance underwriting and a path for expanding margins in Personal Insurance should provide a sense of calm and optimism for Hartford.

Negative Factors

Catastrophe Losses

Catastrophe losses came in higher than expected, with significant contributions from California fires.

General Liability Reserves

HIG shares traded down on the GL reserve noise.

Investment Income

Investment income missed expectations due to weaker results in limited partnerships.

Hartford Financial Business Overview & Revenue Model

Company Description

Hartford Financial Services Group, Inc., commonly referred to as The Hartford, is a United States-based investment and insurance company. It provides a wide range of financial products and services, including property and casualty insurance, group benefits, and mutual funds. The company operates through several segments, such as Commercial Lines, Personal Lines, Group Benefits, and Hartford Funds. The Hartford is known for its expertise in underwriting and claims handling, serving both individual and business customers.

How the Company Makes Money

The Hartford generates revenue primarily through insurance premiums, investment income, and fees. The company's main revenue streams include premiums collected for property and casualty insurance policies, which cover areas like workers' compensation, auto, and home insurance. Additionally, The Hartford earns income from investment activities, where it manages and invests the premiums collected until claims are paid out. The Group Benefits segment contributes to revenue by providing life and disability insurance, as well as other employee benefits, to corporate clients. Hartford Funds generates revenue through asset management fees from the mutual funds it offers. These activities, combined with strategic partnerships and a focus on maintaining efficient operations and selective underwriting, contribute to The Hartford's financial performance.

Hartford Financial Financial Statement Overview

Summary

Hartford Financial demonstrates robust profitability metrics and effective cost management with a healthy revenue growth rate. The balance sheet shows low leverage and strong financial stability, while cash flow metrics indicate efficient cash utilization.

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	27.27B	26.38B	24.33B	21.85B	21.65B	20.32B
Gross Profit	4.15B	3.97B	3.17B	2.05B	2.47B	2.33B
EBITDA	4.41B	4.21B	3.60B	2.89B	3.58B	2.68B
Net Income	3.25B	3.11B	2.50B	1.82B	2.37B	1.74B
Balance Sheet
Total Assets	83.64B	80.92B	76.78B	73.02B	76.58B	74.11B
Cash, Cash Equivalents and Short-Term Investments	3.81B	4.25B	126.00M	40.32B	46.75B	48.47B
Total Debt	4.37B	4.37B	4.36B	4.36B	4.94B	4.35B
Total Liabilities	66.12B	64.47B	54.77B	59.39B	4.94B	4.35B
Stockholders Equity	17.52B	16.45B	15.33B	13.63B	17.84B	18.56B
Cash Flow
Free Cash Flow	5.72B	5.76B	4.00B	3.83B	3.96B	3.76B
Operating Cash Flow	5.83B	5.91B	4.22B	4.01B	4.09B	3.87B
Investing Cash Flow	-3.59B	-3.77B	-2.43B	-1.28B	-2.47B	-2.07B
Financing Cash Flow	-2.22B	-2.08B	-1.95B	-2.71B	-1.58B	-1.78B

Hartford Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 128.16
• 50DMA: Positive
• 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 128.16 is above the 20-day moving average (MA) of 123.92, above the 50-day MA of 125.04, and above the 200-day MA of 118.43, indicating a bullish trend. The MACD of 0.95 indicates Negative momentum. The RSI at 59.72 is Neutral, neither overbought nor oversold. The STOCH value of 81.34 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	79 Outperform	$36.03B	11.62	19.55%	1.58%	7.67%	15.99%
ACGL	76 Outperform	$33.50B	9.18	17.09%	―	23.79%	-32.09%
PFG	72 Outperform	$17.11B	15.47	10.16%	3.92%	-3.34%	-3.32%
AEG	70 Neutral	$11.41B	15.99	9.36%	5.38%	-5.03%	―
Sector *	67 Neutral	$17.04B	11.60	9.79%	3.95%	10.64%	1.80%
EQH	65 Neutral	$15.68B	41.93	34.30%	1.96%	0.60%	-47.26%
AIG	56 Neutral	$45.56B	14.65	7.61%	2.11%	-44.30%	-33.09%

Hartford Financial Corporate Events

Hartford Financial Appoints Thomas Bartlett to Board

On June 10, 2025, The Hartford announced the appointment of Thomas Bartlett to its board of directors, effective July 1, 2025. Bartlett, a former CEO of American Tower Corp. and a veteran of Verizon Communications, brings extensive C-suite experience and financial acumen to the board. His appointment is expected to enhance the company’s strategic direction and shareholder growth through innovation and customer focus.

The most recent analyst rating on (HIG) stock is a Hold with a $105.00 price target. To see the full list of analyst forecasts on Hartford Financial stock, see the HIG Stock Forecast page.

Hartford Financial Confirms Board and Auditor for 2025

On May 21, 2025, Hartford Financial held its annual meeting of shareholders where several key decisions were made. The election of the Board of Directors was confirmed, with nominees elected to serve until the 2026 meeting. Additionally, the appointment of Deloitte & Touche LLP as the independent auditor for 2025 was ratified, and the compensation of named executive officers was approved. The 2025 Long Term Incentive Stock Plan was also approved, while a proposal for special meeting rights for shareholders at 10% was not passed.

The most recent analyst rating on (HIG) stock is a Hold with a $105.00 price target. To see the full list of analyst forecasts on Hartford Financial stock, see the HIG Stock Forecast page.