Stocks · Financial Services · Insurance - Diversified
The Hartford Insurance Group, Inc. HIG
$126.05 +0.25% Close, Oct 2, 2026 · NYSE · Market cap $34.55B
Inexpensive vs sector
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 8.2× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Diluted EPS over the last four quarters was $15.37, up 39.3% year over year.
- Revenue over the last four quarters was $29.03B, up 6.3% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth36Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 50%
- EPS growth (TTM, YoY)Top 26%
- FCF growth (TTM, YoY)Bottom 36%
- Revenue growth, 3-year CAGRBottom 26%
- Revenue growth accelerationBottom 43%
Quality65Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 31%
- Gross marginBottom 17%
- Operating marginBottom 34%
- Cash conversion (OCF / net income)Top 37%
- Accruals (lower is better)Top 29%
- Net debt / EBITDA (lower is better)Top 45%
- Interest coverTop 7%
Value97Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 9%
- Free-cash-flow yieldTop 16%
- EBITDA / enterprise valueTop 17%
- Sales / enterprise valueTop 15%
- P/E vs own 5-year history (lower is better)Top 3%
Momentum22Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 36%
- 6-month returnBottom 12%
- 1-year return vs S&P 500Bottom 27%
- Distance from 52-week highBottom 38%
- Trend checklist (0–4)Bottom 27%
Revisions71Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 21%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 43%
- Upside to consensus price targetTop 37%
Stability70Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 49%
- Maximum drawdown, 3 yearsTop 22%
- Beta vs S&P 500 (lower is better)Top 31%
- Net debt / EBITDA (lower is better)Top 45%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.3% | 6.3% | ↓ |
| EPS growth (YoY) | 41.8% | 39.3% | ↓ |
| Gross margin | 29.8% | 43.9% | ↑ |
| Operating margin | 14.8% | 15.2% | ↑ |
| FCF margin | 20.9% | 20.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.3% | 7.3% | ↓ | Bottom 50% |
| EPS growth (TTM, YoY) | 39.3% | 41.8% | ↓ | Top 26% |
| Gross margin | 43.9% | 29.8% | ↑ | Bottom 17% |
| Operating margin | 15.2% | 14.8% | ↑ | Bottom 34% |
| Net margin | 15.0% | 11.9% | ↑ | — |
| Free-cash-flow margin | 20.2% | 20.9% | ↓ | — |
| Return on invested capital | 4.6% | — | Top 31% | |
| Revenue growth, 3-year CAGR | 8.9% | — | Bottom 26% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.35×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -55.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.87×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 22.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.81%
- Net buyback yield (TTM)
- 0.28%
- Shareholder yield
- 2.09%
- Share count change, 1 year
- -1.8%
- Share count change, 3-year CAGR
- -3.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 23, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +12.4%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $151.33
- Target vs current price
- +20.1%
- Analysts with a rating
- 42
- Share rating Buy or Strong Buy
- 52%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +8.2% | +1.0% | +3.4% | -2.4% | — |
| Apr 23, 2026 | -8.8% | +1.1% | -1.1% | -1.0% | +1.7% |
| Jan 29, 2026 | +28.1% | +1.3% | +7.8% | +8.0% | +2.9% |
| Oct 27, 2025 | +22.3% | -0.1% | -0.7% | +9.1% | +3.9% |
| Jul 28, 2025 | +20.5% | -1.7% | -0.3% | +8.7% | +0.4% |
| Apr 24, 2025 | +2.3% | +0.2% | +3.0% | +8.9% | +1.9% |
| Jan 30, 2025 | +9.7% | +0.7% | +0.1% | +3.5% | +4.6% |
| Oct 24, 2024 | -0.4% | +0.5% | -5.9% | -1.4% | -6.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $3.42 | $3.16 | +8.2% | $7.26B |
| Apr 23, 2026 | $3.09 | $3.39 | -8.8% | $7.23B |
| Jan 29, 2026 | $4.06 | $3.17 | +28.1% | $7.34B |
| Oct 27, 2025 | $3.78 | $3.09 | +22.3% | $7.15B |
| Jul 28, 2025 | $3.41 | $2.83 | +20.5% | $6.99B |
| Apr 24, 2025 | $2.20 | $2.15 | +2.3% | $6.77B |
| Jan 30, 2025 | $2.94 | $2.68 | +9.7% | $6.80B |
| Oct 24, 2024 | $2.53 | $2.54 | -0.4% | $6.71B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.2× | 10.8× | 0th | Top 9% |
| P/E (forward) | 9.9× | — | — | — |
| EV / EBITDA | 7.9× | — | — | Top 17% |
| EV / Sales | 1.34× | — | — | Top 15% |
| Free-cash-flow yield | 17.00% | — | — | Top 16% |
| Earnings yield | 12.19% | — | — | Top 9% |
P/E over the past five years
Range 9.3× – 14.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -5.2%
- Earnings per share growth (TTM)
- +39.3%
- Change in P/E multiple
- -15.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.9%
- 200-day average slope (20 days)
- -0.2%
- Distance from 50-day average
- -7.5%
- Distance from 200-day average
- -7.2%
- RSI (14)
- 37.0
- Relative volume
- 0.87×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.8%
- Volatility vs own 5-year history
- 51th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.41
- Correlation with S&P 500
- 0.29
- Current drawdown from 1-year high
- -13.5%
- Maximum drawdown, 3 years
- -16.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 13, 2022 | Sep 26, 2022 | -19.5% | 113 days | 42 days (Nov 23, 2022) |
| Jan 6, 2023 | Mar 15, 2023 | -17.2% | 46 days | 183 days (Dec 5, 2023) |
| Jul 29, 2026 | Sep 30, 2026 | -16.0% | 44 days | Not yet recovered |
| Nov 27, 2024 | Jan 10, 2025 | -14.1% | 28 days | 55 days (Apr 1, 2025) |
| Apr 27, 2021 | Jul 8, 2021 | -13.5% | 50 days | 46 days (Sep 13, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $34.55B
- P/E (TTM)
- 8.2
- EPS, diluted (TTM)
- $15.37
- Revenue (TTM)
- $29.03B
- Dividend yield
- 1.90%
- 52-week range
- $120.33 – $146.07
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $21.65B | $21.85B | $24.33B | $26.38B | $28.26B |
| Gross profit | $2.47B | $2.05B | $3.17B | $3.97B | $13.02B |
| Operating income | $2.90B | $2.26B | $3.09B | $3.85B | $4.76B |
| Net income | $2.37B | $1.82B | $2.50B | $3.11B | $3.84B |
| EPS (diluted) | $6.62 | $5.44 | $7.97 | $10.35 | $13.32 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.71B | $6.80B | $6.81B | $6.99B | $7.23B | $7.31B | $7.23B | $7.26B |
| Net income | $767.0M | $853.0M | $630.0M | $995.0M | $1.08B | $1.13B | $856.0M | $1.30B |
| EPS (diluted) | $2.56 | $2.88 | $2.15 | $3.44 | $3.77 | $3.98 | $3.03 | $4.59 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $4.09B | $4.01B | $4.22B | $5.91B | $5.92B |
| Capital expenditure | -$133.0M | -$175.0M | -$215.0M | -$145.0M | -$169.0M |
| Free cash flow | $3.96B | $3.83B | $4.00B | $5.76B | $5.75B |
| Dividends paid | -$485.0M | -$506.0M | -$528.0M | -$556.0M | -$592.0M |
| Net share buybacks | -$1.70B | -$1.55B | -$1.40B | -$1.51B | -$1.61B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.99B
- Total assets
- $87.98B
- Total liabilities
- $68.35B
- Total debt
- $4.37B
- Net debt
- $4.25B
- Shareholders’ equity
- $19.63B
As of Jun 30, 2026 (filed Jul 23, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.60 | Oct 2, 2026 |
| Jun 1, 2026 | $0.60 | Jul 2, 2026 |
| Mar 2, 2026 | $0.60 | Apr 2, 2026 |
| Dec 1, 2025 | $0.60 | Jan 5, 2026 |
| Sep 2, 2025 | $0.52 | Oct 2, 2025 |
| Jun 2, 2025 | $0.52 | Jul 2, 2025 |
| Mar 3, 2025 | $0.52 | Apr 2, 2025 |
| Dec 2, 2024 | $0.52 | Jan 3, 2025 |
Short interest
- Shares sold short
- 3,940,967
- Days to cover
- 3.09
- Change vs previous report
- -3.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 16, 1998
- 2-for-1