The Hartford Financial Services Group, Inc.
- Open
- 132.86
- Day high
- 135.38
- Day low
- 132.52
- Prev close
- 132.52
- Volume
- 205K
- Mkt cap
- $36.4B
- P/E (TTM)
- 9.2
- EPS (TTM)
- $14.68
- P/B
- 1.9
- P/S
- 1.3
- Yield
- 1.75%
- Per share
- $2.32
- ▼Insiders net selling -$1.2M over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions accumulating (13F)
The Hartford Financial Services Group, Inc. (HIG) is a Financial Services company listed on NYSE. The stock is up 5% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
The Hartford Financial Services Group, Inc. (HIG) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 8 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
HIG earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $3.39 | $3.09 | -8.8% | $7.2B | -1.7% |
| Jan 29, 2026 | $3.22 | $4.06 | +26.1% | $7.3B | +0.2% |
| Apr 24, 2025 | $2.15 | $2.20 | +2.3% | $6.8B | -0.5% |
| Jan 30, 2025 | $2.68 | $2.94 | +9.7% | $6.8B | +2.8% |
| Oct 24, 2024 | $2.54 | $2.53 | -0.4% | $6.7B | +0.5% |
| Jul 25, 2024 | $2.24 | $2.50 | +11.6% | $6.5B | -1.3% |
| Apr 25, 2024 | $2.45 | $2.34 | -4.5% | $6.4B | -1.5% |
| Feb 1, 2024 | $2.44 | $3.06 | +25.4% | $6.4B | +0.6% |
| Oct 26, 2023 | $1.98 | $2.29 | +15.7% | $6.2B | -0.0% |
| Jul 27, 2023 | $1.85 | $1.88 | +1.6% | $6.0B | -0.5% |
| Apr 27, 2023 | $1.72 | $1.68 | -2.3% | $5.9B | +0.6% |
| Feb 2, 2023 | $1.87 | $2.31 | +23.5% | $6.0B | +4.8% |
HIG insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| May 29, 2026 | TOOKER ADIN Mofficer: President | Sell | 8,895 | $135.13 |
| May 29, 2026 | TOOKER ADIN Mofficer: President | Option | 8,895 | $49.01 |
| May 6, 2026 | Pannala Shekarofficer: EVP & Chief Information Ofc. | Tax | 7,074 | $135.81 |
| Apr 6, 2026 | Niderno Allison Gofficer: SVP & Controller | Tax | 3 | $136.19 |
| Apr 6, 2026 | Chhabra Prateekofficer: EVP & Chief Risk Officer | Tax | 6 | $136.19 |
| Apr 6, 2026 | Hunt Donald Christianofficer: EVP & General Counsel | Tax | 6 | $136.19 |
| Mar 12, 2026 | Rodden Lori Aofficer: Executive Vice President | Sell | 10,500 | $138.06 |
| Mar 12, 2026 | Rodden Lori Aofficer: Executive Vice President | Option | 10,500 | $78.28 |
| Mar 12, 2026 | Rodden Lori Aofficer: Executive Vice President | Option | 30,193 | $69.41 |
| Mar 12, 2026 | Rodden Lori Aofficer: Executive Vice President | Sell | 30,193 | $138.04 |
| Mar 5, 2026 | Niderno Allison Gofficer: SVP & Controller | Sell | 702 | $140.51 |
| Feb 27, 2026 | Niderno Allison Gofficer: SVP & Controller | Sell | 375 | $141.97 |
| Feb 26, 2026 | Rodden Lori Aofficer: Executive Vice President | Grant | 9,136 | $140.54 |
| Feb 26, 2026 | Hunt Donald Christianofficer: EVP & General Counsel | Grant | 8,894 | $140.54 |
| Feb 26, 2026 | Rodden Lori Aofficer: Executive Vice President | Grant | 8,894 | $140.54 |
Source: HIG SEC Form 4 filings, latest May 29, 2026. For informational purposes only — not investment advice.
See the full HIG insider & 13F page →The Hartford Financial Services Group, Inc. company profile
Overview
The Hartford Financial Services Group, Inc. (NYSE:HIG) is a major American insurance and financial services company founded in 1810 and headquartered in Hartford, Connecticut. As one of the oldest insurance companies in the United States, The Hartford has evolved from a fire insurance provider into a diversified financial services organization serving individual and business customers across the United States, United Kingdom, and internationally. The company went public in 1995 and operates through multiple business segments including commercial insurance, personal insurance, group benefits, and investment management services.
Business
The Hartford operates in the property and casualty insurance industry, providing comprehensive insurance coverage and financial services to protect individuals and businesses against various risks. The company's business is organized into four primary segments: Commercial Lines represents the largest segment, offering business insurance products including workers' compensation, commercial property, commercial automobile, general liability, umbrella coverage, marine insurance, and specialty lines. This segment serves businesses of all sizes through three sub-divisions: Small Commercial (targeting businesses with fewer than 100 employees), Middle & Large Commercial (serving mid-market and large enterprises), and Global Specialty (providing specialized coverage for unique risks). Commercial Lines generates approximately 60-65% of the company's total revenue. Personal Lines provides individual insurance coverage including automobile, homeowners, and personal umbrella policies. These products protect consumers' personal assets and are distributed through both independent agents and direct-to-consumer channels. This segment accounts for roughly 15-20% of total revenue. Group Benefits offers employer-sponsored insurance products including group life insurance, short-term and long-term disability coverage, and other employee benefit programs. The segment serves employer groups, associations, and affinity groups through various distribution channels including brokers and consultants. Group Benefits represents approximately 15-20% of revenue. Hartford Funds is the company's asset management division, providing mutual funds, exchange-traded funds, and investment management services to retail investors and retirement plans. This segment contributes a smaller portion of overall revenue, typically around 5-10%.
Revenue model
The Hartford generates revenue primarily through insurance premiums collected from policyholders across its various business lines. The company's fundamental business model involves collecting premiums upfront, investing these funds to generate investment income, and paying out claims as they occur. Profitability depends on maintaining an adequate spread between premiums collected and claims paid (underwriting profit) while generating returns on invested premium reserves. In Commercial Lines, the company earns revenue from premiums paid by businesses seeking protection against property damage, liability claims, and workers' compensation expenses. Pricing is based on risk assessment, with rates adjusted annually based on loss experience and market conditions. Personal Lines operates similarly, collecting premiums from individual consumers for auto and homeowners coverage. Group Benefits generates revenue through employer-paid premiums for employee benefit programs, often with multi-year contracts providing predictable cash flows. Several factors significantly impact The Hartford's profitability margins. Catastrophic events such as hurricanes, wildfires, and severe weather can dramatically increase claims costs, particularly affecting property insurance lines. Social inflation and increased litigation trends drive up liability claim settlements, especially in commercial general liability coverage. Medical cost inflation affects workers' compensation claims, while auto repair cost inflation impacts personal auto profitability. Interest rate environments directly affect investment income on reserves, with higher rates generally improving profitability. Competitive pricing pressure in insurance markets can compress margins, while regulatory changes in various states can affect the company's ability to adjust rates in response to rising costs.
Competitive moat
The Hartford possesses a moderate competitive moat built primarily on its scale advantages, regulatory expertise, and distribution relationships. As a large, established insurer with over 200 years of operating history, the company benefits from significant scale in risk pooling, allowing it to spread catastrophic losses across a large customer base and maintain more predictable results than smaller competitors. The company's substantial capital base and strong credit ratings enable it to write larger policies and compete for major commercial accounts that smaller insurers cannot handle. The Hartford's extensive network of independent agent relationships provides a significant distribution advantage, particularly in commercial lines where personal relationships and local market knowledge are crucial. These relationships, built over decades, create switching costs for both agents and customers. The company's expertise in complex commercial risks and specialized coverage areas like workers' compensation creates additional barriers to entry. However, the insurance industry faces ongoing competitive pressures that limit moat strength. Capital requirements, while substantial, are not prohibitive for well-funded new entrants or existing competitors. Technology disruption from insurtech companies threatens traditional distribution models and pricing approaches. Commoditization of standard insurance products reduces differentiation opportunities. The company must continuously invest in technology, data analytics, and digital capabilities to maintain competitiveness. Additionally, regulatory constraints limit pricing flexibility, and the cyclical nature of insurance markets can compress margins during soft market periods.
Risks & safety
The Hartford maintains a solid financial position with adequate margin of safety, though typical of insurance companies, it operates with high financial leverage due to the nature of insurance reserves. • Solvency and Liquidity: Strong capital position with $16.4 billion in shareholders' equity, minimal debt-to-equity ratio of 0.27, and robust cash flow generation of nearly $6 billion annually from operations • Valuation Metrics: Trading at reasonable multiples with P/E ratio of 10.3x, price-to-book of 1.95x, and EV/EBITDA of 9.0x based on 2024 results • Profitability: Consistent profitability with 18.9% return on equity in 2024, though this reflects cyclical insurance industry performance • Reserve Adequacy: Recent reserve strengthening of $130 million in general liability suggests conservative reserving practices, though exposure to long-tail liability claims creates ongoing uncertainty • Regulatory Capital: Maintains capital ratios well above regulatory minimums across all insurance subsidiaries
Recent development
Over the past few years, The Hartford has undergone significant strategic transformation focused on digital modernization and profitability improvement. The company has invested heavily in artificial intelligence and data analytics capabilities, implementing AI-driven solutions across claims processing, underwriting, and customer service operations. These technology investments aim to improve operational efficiency and enhance risk selection capabilities. In Personal Lines, the company executed a major turnaround strategy, implementing aggressive rate increases exceeding 20% in auto insurance and 15% in homeowners coverage to restore profitability after several years of underwriting losses. The segment achieved its first underwriting profit in two years during 2024, demonstrating the effectiveness of disciplined pricing actions. The Hartford has also focused on expanding its property insurance portfolio across commercial segments while maintaining disciplined catastrophe exposure management. The company launched new digital capabilities including dynamic pricing in its TrueLane telematics program and enhanced direct-to-consumer distribution channels. Additionally, the company rebranded itself to emphasize innovation and customer-centricity, signaling a shift toward more technology-enabled service delivery. In Group Benefits, the company has maintained selective underwriting discipline while expanding into new markets and product offerings. The Hartford has also strengthened its balance sheet through proactive reserve management, including recent general liability reserve additions of $130 million to address social inflation trends.
HIG company profile · for informational purposes only — not investment advice.
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