Financial Services · Insurance - Diversified
Price
$132.52
Market Cap
$36.3B
Employees
18,925
Beta
0.48
Avg Volume
1,671,519
CEO
Christopher J. Swift
Business Description
The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, including workers’ compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it 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; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.
Business History
Price Overview
Last updated: Jul 1, 2026 4:39am (just now)$132.52
-0.97 (-0.73%)
Day Range
$132.31 – $133.76
52-Week Range
$119.61 – $144.50
50-Day MA
$132.86
200-Day MA
$133.87
Volume
693,610.00
Analyst Price Targets
Low
$135.00
Consensus
$150.38
High
$165.00
(42 analysts)
Share Structure
Outstanding
274,130,820.00
Float
273,036,394.00
Free Float
99.6%
High free float
— 99.6% of shares trade freely, ~0.4% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
9.08
Stock Price: $132.52
EPS (Diluted): 13.51
EPS (Diluted): 13.51
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
2.05
Stock Price: $132.52
Total Equity: $18.98B
Shares: 286,500,000
Total Equity: $18.98B
Shares: 286,500,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
7.18
Market Cap: $36.33B
Total Debt: $4.37B
Cash: $133.00M
EBITDA: $5.36B
Total Debt: $4.37B
Cash: $133.00M
EBITDA: $5.36B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$43.2B
Market Cap: $36.33B
Total Debt: $4.37B
Cash: $133.00M
Total Debt: $4.37B
Cash: $133.00M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
46.1%
Gross Profit: $13.02B
Revenue: $28.26B
Revenue: $28.26B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
16.8%
Operating Income: $4.76B
Revenue: $28.26B
Revenue: $28.26B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
13.6%
Net Income: $3.84B
Revenue: $28.26B
Revenue: $28.26B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
22.0%
Net Income: $3.84B
Total Equity: $18.98B
Total Equity: $18.98B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
29.2%
Operating Income: $4.76B
Tax Rate: 19.4%
Equity: $18.98B
Total Debt: $4.37B
Cash: $133.00M
Tax Rate: 19.4%
Equity: $18.98B
Total Debt: $4.37B
Cash: $133.00M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
17.65
Current Assets: $10.80B
Current Liabilities: $612.00M
Current Liabilities: $612.00M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.23
Short-Term Debt: $0.00
Long-Term Debt: $4.37B
Total Debt: $4.37B
Total Equity: $18.98B
Long-Term Debt: $4.37B
Total Debt: $4.37B
Total Equity: $18.98B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$98.63
Revenue: $28.26B
Shares: 286,500,000
Shares: 286,500,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$66.24
Total Equity: $18.98B
Shares: 286,500,000
Shares: 286,500,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$20.08
Operating CF: $5.92B
CapEx: -$169.00M
Shares: 286,500,000
CapEx: -$169.00M
Shares: 286,500,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
1.6%
Last Dividend: N/A
Stock Price: $132.52
Stock Price: $132.52
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $3.84B
Net Income: $3.84B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares HIG against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 1, 2026 4:39am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $21.6B | $21.9B | $24.3B | $26.4B | $28.3B |
| Cost of Revenue | $19.2B | $19.8B | $21.2B | $22.4B | $15.2B |
| Gross Profit | $2.5B | $2.1B | $3.2B | $4.0B | $13.0B |
| Operating Expenses | -$435.0M | -$211.0M | $79.0M | $121.0M | $8.3B |
| Operating Income | $2.9B | $2.3B | $3.1B | $3.8B | $4.8B |
| Net Income | $2.4B | $1.8B | $2.5B | $3.1B | $3.8B |
| EBITDA | $3.6B | $2.9B | $3.6B | $4.2B | $5.4B |
| EPS | $6.71 | $5.52 | $8.09 | $10.51 | $13.51 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 1, 2026 4:39am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $205.0M | $229.0M | $126.0M | $183.0M | $133.0M |
| Total Current Assets | $0 | $52.2B | $11.6B | $10.2B | $10.8B |
| Total Assets | $76.6B | $73.0B | $70.1B | $80.9B | $86.0B |
| Current Liabilities | $46.9B | $2.1B | $35.2B | $614.0M | $612.0M |
| Long-Term Debt | $4.9B | $4.4B | $4.4B | $4.4B | $4.4B |
| Total Liabilities | $58.7B | $59.4B | $54.8B | $64.5B | $67.0B |
| Total Equity | $17.8B | $13.6B | $15.3B | $16.4B | $19.0B |
| Retained Earnings | $15.8B | $17.0B | $19.0B | $21.5B | $24.7B |
Cash Flow (Annual)
Last updated: Jul 1, 2026 4:39am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $4.1B | $4.0B | $4.2B | $5.9B | $5.9B |
| Capital Expenditure | -$133.0M | -$175.0M | -$215.0M | -$145.0M | -$169.0M |
| Free Cash Flow | $4.0B | $3.8B | $4.0B | $5.8B | $5.8B |
| Acquisitions (net) | $11.0M | -$746.0M | -$671.0M | -$426.0M | -$734.0M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$1.7B | -$1.6B | -$1.4B | -$1.5B | -$1.6B |
| Net Change in Cash | $98.0M | $7.0M | -$155.0M | $45.0M | -$57.0M |
Analyst Estimates (Annual)
Last updated: Jul 1, 2026 4:39am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$28.3B $28.3B – $28.3B
|
$29.2B $29.2B – $29.6B
|
$30.4B $30.2B – $30.6B
|
$31.4B $31.4B – $31.4B
|
| EBITDA |
$4.5B $4.5B – $4.5B
|
$4.6B $4.6B – $4.7B
|
$4.8B $4.8B – $4.9B
|
$5.0B $5.0B – $5.0B
|
| Net Income |
$3.6B $3.6B – $3.6B
|
$3.7B $3.5B – $3.9B
|
$3.9B $3.6B – $4.3B
|
$4.4B $4.2B – $4.6B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 1, 2026 4:39am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +0.9% | +11.3% | +8.4% | +7.1% |
| Gross Profit Growth | -17.0% | +54.4% | +25.4% | +228.0% |
| Operating Income Growth | -22.1% | +36.5% | +24.6% | +23.7% |
| Net Income Growth | -23.3% | +37.7% | +24.2% | +23.3% |
| EBITDA Growth | -19.5% | +24.6% | +16.9% | +27.3% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-27 | TOOKER ADIN M | M-Exempt | 8,895.00 | $49.01 | $435,944 |
| 2026-05-27 | TOOKER ADIN M | S-Sale | 8,895.00 | $135.13 | $1.2M |
| 2026-05-27 | TOOKER ADIN M | M-Exempt | 8,895.00 | $49.01 | $435,944 |
| 2026-05-04 | Pannala Shekar | F-InKind | 7,074.00 | $135.81 | $960,720 |
| 2026-04-06 | Niderno Allison G | F-InKind | 3.00 | $136.19 | $409 |
| 2026-04-06 | Hunt Donald Christian | F-InKind | 6.00 | $136.19 | $817 |
| 2026-04-06 | Chhabra Prateek | F-InKind | 6.00 | $136.19 | $817 |
| 2026-03-10 | Rodden Lori A | M-Exempt | 10,500.00 | $78.28 | $821,940 |
| 2026-03-10 | Rodden Lori A | M-Exempt | 30,193.00 | $69.41 | $2.1M |
| 2026-03-10 | Rodden Lori A | S-Sale | 10,500.00 | $138.06 | $1.4M |
| 2026-03-10 | Rodden Lori A | S-Sale | 30,193.00 | $138.04 | $4.2M |
| 2026-03-10 | Rodden Lori A | M-Exempt | 10,500.00 | $78.28 | $821,940 |
| 2026-03-10 | Rodden Lori A | M-Exempt | 30,193.00 | $69.41 | $2.1M |
| 2026-03-04 | Niderno Allison G | S-Sale | 701.58 | $140.52 | $98,583 |
| 2026-03-02 | Chhabra Prateek | F-InKind | 1,170.00 | $140.83 | $164,771 |
| 2026-03-02 | Hunt Donald Christian | F-InKind | 1,278.00 | $140.83 | $179,981 |
| 2026-03-02 | Niderno Allison G | F-InKind | 621.00 | $140.83 | $87,455 |
| 2026-02-26 | Niderno Allison G | S-Sale | 374.92 | $141.97 | $53,226 |
| 2026-02-24 | Rodden Lori A | A-Award | 9,136.00 | $140.54 | $1.3M |
| 2026-02-24 | Rodden Lori A | A-Award | 8,894.27 | $140.54 | $1.3M |
Dividend History (Last 20)
Last updated: Jul 1, 2026 4:39am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-01 | $0.60 | 2026-05-20 | 2026-06-01 | 2026-07-02 |
| 2026-03-02 | $0.60 | 2026-02-18 | 2026-03-02 | 2026-04-02 |
| 2025-12-01 | $0.60 | 2025-10-27 | 2025-12-01 | 2026-01-05 |
| 2025-09-02 | $0.52 | 2025-07-23 | 2025-09-02 | 2025-10-02 |
| 2025-06-02 | $0.52 | 2025-05-21 | 2025-06-02 | 2025-07-02 |
| 2025-03-03 | $0.52 | 2025-02-19 | 2025-03-03 | 2025-04-02 |
| 2024-12-02 | $0.52 | 2024-10-24 | 2024-12-02 | 2025-01-03 |
| 2024-09-03 | $0.47 | 2024-07-17 | 2024-09-03 | 2024-10-02 |
| 2024-06-03 | $0.47 | 2024-05-15 | 2024-06-03 | 2024-07-02 |
| 2024-03-01 | $0.47 | 2024-02-21 | 2024-03-04 | 2024-04-02 |
| 2023-11-30 | $0.47 | 2023-10-26 | 2023-12-01 | 2024-01-03 |
| 2023-08-31 | $0.43 | 2023-07-19 | 2023-09-01 | 2023-10-03 |
| 2023-05-31 | $0.43 | 2023-05-17 | 2023-06-01 | 2023-07-05 |
| 2023-03-03 | $0.43 | 2023-02-22 | 2023-03-06 | 2023-04-04 |
| 2022-11-30 | $0.43 | 2022-10-27 | 2022-12-01 | 2023-01-04 |
| 2022-08-31 | $0.39 | 2022-07-20 | 2022-09-01 | 2022-10-04 |
| 2022-05-31 | $0.39 | 2022-05-18 | 2022-06-01 | 2022-07-05 |
| 2022-02-28 | $0.39 | 2022-02-16 | 2022-03-01 | 2022-04-04 |
| 2021-11-30 | $0.39 | 2021-10-28 | 2021-12-01 | 2022-01-04 |
| 2021-08-31 | $0.35 | 2021-07-21 | 2021-09-01 | 2021-10-04 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for HIG — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.360 · 7b6df9be · 2026-06-30 17:24:24