HIG Stock Analysis: Hartford Financial | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 38.976m USD | 12M Return: 17.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 222M
EPS Trend: 96.7%
Qual. Beats: 0
Rev. Trend: 99.8%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Hartford Financial Services Group (NYSE: HIG) is a U.S.-headquartered multi-line insurance and financial services company founded in 1810 and based in Hartford, Connecticut. It serves individual and business customers across the United States, the United Kingdom, and other international markets through five operating segments: Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds.
The companys core offerings span commercial lines (workers compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, and livestock), personal lines (auto, homeowners, and personal umbrella), and group benefits (group life, disability, and related coverages). Distribution occurs through regional offices, independent retail agents and brokers, wholesale agents, reinsurance brokers, brokers, consultants, third-party administrators, trade associations, and private exchanges. As a multi-line insurer, Hartford diversifies risk across both personal and commercial lines, a model that historically helps stabilize underwriting results across economic cycles.
The Property & Casualty Other Operations segment retains asbestos and environmental exposures, typical of long-standing insurers with legacy liability portfolios. Hartford Funds extends the companys reach into asset management, offering managed mutual funds and exchange-traded funds distributed through broker-dealers, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers. The company has been publicly traded since its IPO on December 20, 1995.
- Commercial Lines pricing sustains combined ratio improvement
- Group Benefits premium grows on disability and leave management demand
- Net investment income expands as reinvestment yields rise
| Net Income: 4.37b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.16 > 1.0 |
| NWC/Revenue: 35.80% < 20% (prev 36.25%; Δ -0.45% < -1%) |
| CFO/TA 0.07 > 3% & CFO 5.88b > Net Income 4.37b |
| Net Debt (383.0m) to EBITDA (5.49b): 0.07 < 3 |
| Current Ratio: 18.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (282.6m) vs 12m ago -1.77% < -2% |
| Gross Margin: 39.53% > 18% (prev 29.77%; Δ 9.76% > 0.5%) |
| Asset Turnover: 33.83% > 50% (prev 32.65%; Δ 1.18% > 0%) |
| Interest Coverage Ratio: 25.88 > 6 (EBIT TTM 5.15b / Interest Expense TTM 199.0m) |
| A: 0.12 (Total Current Assets 11.0b - Total Current Liabilities 606.0m) / Total Assets 88.0b |
| B: 0.30 (Retained Earnings 26.6b / Total Assets 88.0b) |
| C: 0.06 (EBIT TTM 5.15b / Avg Total Assets 85.8b) |
| D: 0.29 (Book Value of Equity 19.6b / Total Liabilities 68.3b) |
| Altman-Z'' = 2.46 = A |
| DSRI: 0.48 (Receivables 7.01b/13.8b, Revenue 29.0b/27.3b) |
| GMI: 0.75 (GM 29.77% / 39.53%) |
| AQI: 1.00 (AQ_t 0.87 / AQ_t-1 0.86) |
| SGI: 1.06 (Revenue 29.0b / 27.3b) |
| TATA: -0.02 (NI 4.37b - CFO 5.88b) / TA 88.0b) |
| Beneish M = -3.63 (Cap -4..+1) = AAA |
As of July 28, 2026, the stock is trading at USD 140.14 with a total of 2,057,684 shares traded. Over the past week, the price has changed by -0.26%, over one month by +4.98%, over three months by +3.00% and over the past year by +17.61%.
Current recommended Stop Loss: 135.70 (which is 3.2% or 1.4 ATR below the current price).
Hartford Financial has received a consensus analysts rating of 3.74. Therefore, it is recommended to hold HIG.
- StrongBuy: 4
- Buy: 6
- Hold: 9
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 149.2 | 6.4% |
P/E Trailing = 9.908
P/E Forward = 10.7411
P/S = 1.3538
P/B = 2.0808
P/EG = 0.1186
Revenue TTM = 29.0b USD
EBIT TTM = 5.15b USD
EBITDA TTM = 5.49b USD
Long Term Debt = 4.37b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 4.37b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 383.0m USD (calculated: Debt 4.37b - CCE 3.99b)
Enterprise Value = 39.4b USD (39.0b + Debt 4.37b - CCE 3.99b)
Interest Coverage Ratio = 25.88 (Ebit TTM 5.15b / Interest Expense TTM 199.0m)
EV/FCF = 6.70x (Enterprise Value 39.4b / FCF TTM 5.87b)
FCF Yield = 14.92% (FCF TTM 5.87b / Enterprise Value 39.4b)
FCF Margin = 20.23% (FCF TTM 5.87b / Revenue TTM 29.0b)
Net Margin = 15.03% (Net Income TTM 4.37b / Revenue TTM 29.0b)
Gross Margin = 39.53% ((Revenue TTM 29.0b - Cost of Revenue TTM 17.6b) / Revenue TTM)
Gross Margin QoQ = 16.95% (prev 44.67%)
Tobins Q-Ratio = 0.45 (Enterprise Value 39.4b / Total Assets 88.0b)
Interest Expense / Debt = 4.55% (Interest Expense 199.0m / Debt 4.37b)
Taxrate = 19.37% (972.0m / 5.02b)
NOPAT = 4.15b (EBIT 5.15b * (1 - 19.37%))
Current Ratio = 18.15 (Total Current Assets 11.0b / Total Current Liabilities 606.0m)
Debt / Equity = 0.22 (Debt 4.37b / totalStockholderEquity, last quarter 19.6b)
Debt / EBITDA = 0.07 (Net Debt 383.0m / EBITDA 5.49b)
Debt / FCF = 0.07 (Net Debt 383.0m / FCF TTM 5.87b)
Total Stockholder Equity = 19.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.09% (Net Income 4.37b / Total Assets 88.0b)
RoE = 22.99% (Net Income TTM 4.37b / Total Stockholder Equity 19.0b)
RoCE = 22.05% (EBIT 5.15b / Capital Employed (Equity 19.0b + L.T.Debt 4.37b))
RoIC = 4.83% (NOPAT 4.15b / Invested Capital 85.9b)
WACC = 6.39% (E(39.0b)/V(43.3b) * Re(6.70%) + D(4.37b)/V(43.3b) * Rd(4.55%) * (1-Tc(0.19)))
Discount Rate = 6.70% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.10 | Cagr: -2.99%
[DCF] Terminal Value 75.80% ; FCFF base≈5.81b ; Y1≈5.97b ; Y5≈6.61b
[DCF] Fair Price = 372.1 (EV 102b - Net Debt 383.0m = Equity 102b / Shares 274.1m; r=8.35% [WACC [floored]]; 5y FCF grow 2.75% → 2.50% )
EPS Correlation: 96.72 | EPS CAGR: 21.58% | SUE: 0.83 | # QB: 0
Revenue Correlation: 99.82 | Revenue CAGR: 7.48% | SUE: 1.17 | # QB: 1
EPS current Quarter (2026-09-30): EPS=3.07 | Chg30d=-1.40% | Revisions=-79% | Analysts=21
EPS current Year (2026-12-31): EPS=12.62 | Chg30d=-0.96% | Revisions=-79% | GrowthEPS=-5.9% | GrowthRev=+1.7%
EPS next Year (2027-12-31): EPS=13.83 | Chg30d=-1.38% | Revisions=-80% | GrowthEPS=+9.5% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: -92% (up=0, down=34)