Tearsheet

Hartford Insurance (HIG)

Market Price (9/15/2025): $132.55 | Market Cap: $37.6 Bil
Sector: Financials | Industry: Property & Casualty Insurance

Hartford Insurance (HIG)

Market Price (9/15/2025): $132.55
Market Cap: $37.6 Bil
Sector: Financials
Industry: Property & Casualty Insurance

Investment Highlights

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.6%, FCF Yield is 15%	Trading close to highs Dist 52W High is -1.6%, Dist 3Y High is -1.6%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -45%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21%, CFO LTM is 5.8 Bil, FCF LTM is 5.7 Bil
3	Low stock price volatility Vol 12M is 23%

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.6%, FCF Yield is 15%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -45%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21%, CFO LTM is 5.8 Bil, FCF LTM is 5.7 Bil
3	Low stock price volatility Vol 12M is 23%
4	Trading close to highs Dist 52W High is -1.6%, Dist 3Y High is -1.6%

Market Valuation

	9/15/25	2024	2023	2022	2021
Share Price CYE	$132.55	$108.06	$78.00	$71.85	$63.98
Market Cap CYE ($ Bil)	37.6	31.3	23.4	22.8	21.7
Total Debt ($ Bil)	4.4	4.4	4.4	4.4	4.9
Total Cash ($ Bil)	0.2	0.2	0.1	0.2	0.2
Enterprise Value ($ Bil)	41.8	35.7	27.8	27.2	26.6
Valuation Ratios
P/S TTM	1.4	1.2	1.0	1.1	1.1
P/EBIT TTM	8.8	7.9	7.5	9.9	7.7
P/E TTM	11.6	10.3	9.9	13.5	10.2
Sector Ratios
P/S TTM (Sector)	3.2	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	7.2	6.9	7.1	7.1	7.0
P/E TTM (Sector)	12.8	11.6	10.1	9.4	10.0

	9/15/25	2024	2023
Share Price CYE	$132.55	$108.06	$78.00
Market Cap CYE ($ Bil)	37.6	31.3	23.4
Total Debt ($ Bil)	4.4	4.4	4.4
Total Cash ($ Bil)	0.2	0.2	0.1
Enterprise Value ($ Bil)	41.8	35.7	27.8
Valuation Ratios
P/S TTM	1.4	1.2	1.0
P/EBIT TTM	8.8	7.9	7.5
P/E TTM	11.6	10.3	9.9
Sector Ratios
P/S TTM (Sector)	3.2	3.1	2.8
P/EBIT TTM (Sector)	7.2	6.9	7.1
P/E TTM (Sector)	12.8	11.6	10.1

Stock Price
Market Cap

Stock Price Chart

Return (1Y):

Market Cap Chart

Business Description

The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. Show more The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment 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; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut. Show less

Price Returns Compared

Expand for Detailed View

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
HIG Return	-17%	44%	12%	9%	39%	23%	148%
Peers Return	-6%	31%	12%	3%	32%	8%	100%
S&P 500 Return	16%	27%	-19%	24%	23%	12%	104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: MET, ALL, PRU, WRB, CINF. See HIG Returns vs. Peers.
[3] 2025 data is for the year up to 9/12/2025 (YTD)

Interactive Breakdown

Hartford Insurance Interactive Breakdown Analysis

Latest Trefis Analyses

	Title	Topic	Date
0	DASHBOARDS
1	HIG Dip Buy Analysis
2	Hartford Insurance Total Shareholder Return (TSR): 40.0% in 2024 and 20.8% 3-yr compounded annual returns (above peer average)
3	Hartford Insurance (HIG) Operating Cash Flow Comparison	Financials
4	Hartford Insurance (HIG) Net Income Comparison	Financials
5	Hartford Insurance vs. S&P500 Correlation	Correlation
6	Hartford Insurance Price Volatility	Volatility
7	Will You Be Comfortable Buying Hartford Insurance Stock?	Return
8	Fundamental Metrics: ...
9	What to expect for Hartford Financial Services Group stock, one day after earnings?
10	Hartford Financial Services Group (HIG) Stock Has 61% Chance Of Rise In The Next One Month	Chance of Rise
11	ARTICLES
12	Is Hartford Stock Still Good Value Post 39% Rally Last Year?		January 7th, 2025
13	HIG Stock Is Up 26% YTD, Is It Now Fairly Valued?		June 4th, 2024
14	Up 19% YTD, What To Expect From Hartford Financial Stock?		March 1st, 2024
15	Hartford Financial Stock Lost 4% YTD, Is Correction In The Cards?		October 19th, 2023
16	Hartford Financial Stock Is Undervalued		June 26th, 2023

	Title
0	DASHBOARDS
1	Is Hartford Stock Still Good Value Post 39% Rally Last Year?
2	HIG Stock Is Up 26% YTD, Is It Now Fairly Valued?
3	Up 19% YTD, What To Expect From Hartford Financial Stock?
4	Hartford Financial Stock Lost 4% YTD, Is Correction In The Cards?
5	Hartford Financial Stock Is Undervalued
6	ARTICLES
7	HIG Dip Buy Analysis
8	Hartford Insurance Total Shareholder Return (TSR): 40.0% in 2024 and 20.8% 3-yr compounded annual returns (above peer average)
9	Hartford Insurance (HIG) Operating Cash Flow Comparison
10	Hartford Insurance (HIG) Net Income Comparison
11	Hartford Insurance vs. S&P500 Correlation
12	Hartford Insurance Price Volatility
13	Will You Be Comfortable Buying Hartford Insurance Stock?
14	Fundamental Metrics: ...
15	What to expect for Hartford Financial Services Group stock, one day after earnings?
16	Hartford Financial Services Group (HIG) Stock Has 61% Chance Of Rise In The Next One Month

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	GCTK	GlucoTrack	117.5%	-97.6%
2	OPI	Office Properties Income Trust	78.6%	-42.6%
3	HCWB	HCW Biologics	68.4%	-68.7%
4	AGAE	Allied Gaming & Entertainment	62.4%	86.8%
5	ATCH	AtlasClear	53.4%	-95.9%
6	SONN	Sonnet BioTherapeutics	49.0%	304.1%
7	EVTV	Envirotech Vehicles	48.4%	-66.3%
8	ISPC	iSpecimen	47.7%	-26.6%
9	ENTO	Entero Therapeutics	37.0%	68.8%
10	IBEX	IBEX	36.5%	93.5%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	NXTT	Next Technology	-57.4%	-93.8%
2	VCIG	VCI Global	-42.8%	-98.7%
3	RENT	Rent the Runway	-36.4%	-40.9%
4	NUAI	New Era Energy & Digital	-30.5%
5	AEI	Alset	-29.6%	156.9%
6	NAKA	Kindly MD	-29.5%
7	XTIA	XTI Aerospace	-24.6%	-85.8%
8	FARM	Farmer Bros	-21.5%	1.7%
9	FEIM	Frequency Electronics	-21.0%	46.5%
10	MSS	Maison Solutions	-20.4%	-27.6%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	OCTO	Eightco	900.0%	562.1%
2	QMMM	QMMM	875.3%	5698.4%
3	WLDS	Wearable Devices	780.4%	8.0%
4	CWD	CaliberCos	268.8%	-45.1%
5	AIRE	ReAlpha Tech	257.5%	-49.8%
6	PTNM	Pitanium	154.0%
7	OPI	Office Properties Income Trust	144.0%	-42.6%
8	HYPD	Hyperion DeFi	144.0%
9	ISPC	iSpecimen	128.4%	-26.6%
10	EDHL	Everbright Digital	127.6%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	DGNX	Diginex	-85.6%
2	LGCL	Lucas GC	-69.1%	-76.6%
3	YYGH	YY	-68.7%	-76.6%
4	BINI	Bollinger Innovations	-61.6%	-100.0%
5	IPDN	Professional Diversity Network	-54.5%	-41.4%
6	INHD	Inno	-53.4%	-4.4%
7	CDT	CDT Equity	-49.2%	-99.4%
8	NFE	New Fortress Energy	-46.5%	-91.3%
9	TGHL	Growhub	-44.8%
10	SLXN	Silexion Therapeutics	-43.1%	-86.5%

1 Month Top Gainers

#	Ticker	Company	1M Rtn	YTD Rtn
1	PMI	Picard Medical	11249.2%	11249.2%
2	GIBO	GIBO	7400.0%
3	LNZA	LanzaTech Global	4710.5%	-85.8%
4	CHSN	Chanson International	3717.0%	-99.3%
5	QMMM	QMMM	2669.4%	5698.4%
6	VTAK	Catheter Precision	1332.7%	-71.4%
7	CURX	Curanex Pharmaceuticals	1309.0%	1309.0%
8	OCTO	Eightco	811.9%	562.1%
9	WLDS	Wearable Devices	708.6%	8.0%
10	PTNM	Pitanium	423.7%

1 Month Top Losers

#	Ticker	Company	1M Rtn	YTD Rtn
1	BINI	Bollinger Innovations	-93.4%	-100.0%
2	ETS	Elite Express	-92.8%	-92.8%
3	CJET	Chijet Motor	-92.7%	-94.6%
4	ELPW	Elong Power	-91.7%	-75.8%
5	STFS	Star Fashion Culture	-91.4%	-97.8%
6	JEM	707 Cayman	-90.4%	-98.0%
7	FLYE	Fly-E	-90.4%	-82.8%
8	NXTT	Next Technology	-89.3%	-93.8%
9	NUTR	NusaTrip	-87.2%	-87.2%
10	CUPR	Cuprina	-84.3%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	GCTK	GlucoTrack	117.5%	-97.6%
2	OPI	Office Properties Income Trust	78.6%	-42.6%
3	HCWB	HCW Biologics	68.4%	-68.7%
4	AGAE	Allied Gaming & Entertainment	62.4%	86.8%
5	ATCH	AtlasClear	53.4%	-95.9%
6	SONN	Sonnet BioTherapeutics	49.0%	304.1%
7	EVTV	Envirotech Vehicles	48.4%	-66.3%
8	ISPC	iSpecimen	47.7%	-26.6%
9	ENTO	Entero Therapeutics	37.0%	68.8%
10	IBEX	IBEX	36.5%	93.5%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	NXTT	Next Technology	-57.4%	-93.8%
2	VCIG	VCI Global	-42.8%	-98.7%
3	RENT	Rent the Runway	-36.4%	-40.9%
4	NUAI	New Era Energy & Digital	-30.5%
5	AEI	Alset	-29.6%	156.9%
6	NAKA	Kindly MD	-29.5%
7	XTIA	XTI Aerospace	-24.6%	-85.8%
8	FARM	Farmer Bros	-21.5%	1.7%
9	FEIM	Frequency Electronics	-21.0%	46.5%
10	MSS	Maison Solutions	-20.4%	-27.6%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	OCTO	Eightco	900.0%	562.1%
2	QMMM	QMMM	875.3%	5698.4%
3	WLDS	Wearable Devices	780.4%	8.0%
4	CWD	CaliberCos	268.8%	-45.1%
5	AIRE	ReAlpha Tech	257.5%	-49.8%
6	PTNM	Pitanium	154.0%
7	OPI	Office Properties Income Trust	144.0%	-42.6%
8	HYPD	Hyperion DeFi	144.0%
9	ISPC	iSpecimen	128.4%	-26.6%
10	EDHL	Everbright Digital	127.6%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	DGNX	Diginex	-85.6%
2	LGCL	Lucas GC	-69.1%	-76.6%
3	YYGH	YY	-68.7%	-76.6%
4	BINI	Bollinger Innovations	-61.6%	-100.0%
5	IPDN	Professional Diversity Network	-54.5%	-41.4%
6	INHD	Inno	-53.4%	-4.4%
7	CDT	CDT Equity	-49.2%	-99.4%
8	NFE	New Fortress Energy	-46.5%	-91.3%
9	TGHL	Growhub	-44.8%
10	SLXN	Silexion Therapeutics	-43.1%	-86.5%

Peer Comparisons for Hartford Insurance

Financials

	HIG	MET	ALL	PRU	WRB	CINF	Median
Name	Hartford.	MetLife	Allstate	Prudenti.	WR Berkl.	Cincinna.
Mkt Price	132.52	80.82	200.39	106.90	73.82	156.86	119.71
Mkt Cap	37.6	54.2	53.0	37.9	29.3	24.5	37.7
Rev LTM	27,259	72,078	66,214	60,620	14,240	11,672	43,940
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	5,690	15,229	8,538	775	3,434	2,588	4,562
FCF 3Y Avg	4,816	13,793	6,417	5,888	3,131	2,332	5,352
CFO LTM	5,828	15,229	8,743	775	3,498	2,605	4,663
CFO 3Y Avg	5,003	13,793	6,671	5,888	3,206	2,350	5,446

Growth & Margins

	HIG	MET	ALL	PRU	WRB	CINF	Median
Name	Hartford.	MetLife	Allstate	Prudenti.	WR Berkl.	Cincinna.
Rev Chg LTM	7.8%	5.9%	9.8%	-0.2%	10.9%	9.6%	8.7%
Rev Chg 3Y Avg	8.1%	6.0%	9.7%	-2.8%	10.7%	18.2%	8.9%
Rev Chg Q	7.8%	-1.8%	5.7%	-42.5%	8.8%	27.7%	6.7%
QoQ Delta Rev Chg LTM	1.9%	-0.4%	1.4%	-14.2%	2.1%	6.4%	1.6%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	21.4%	21.1%	13.2%	1.3%	24.6%	22.3%	21.3%
CFO/Rev 3Y Avg	19.6%	19.7%	10.9%	9.7%	24.8%	22.3%	19.6%
FCF/Rev LTM	20.9%	21.1%	12.9%	1.3%	24.1%	22.2%	21.0%
FCF/Rev 3Y Avg	18.9%	19.7%	10.5%	9.7%	24.2%	22.1%	19.3%

Valuation

	HIG	MET	ALL	PRU	WRB	CINF	Median
Name	Hartford.	MetLife	Allstate	Prudenti.	WR Berkl.	Cincinna.
Mkt Cap	37.6	54.2	53.0	37.9	29.3	24.5	37.7
P/S	1.4	0.8	0.8	0.6	2.1	2.1	1.1
P/EBIT	8.8	8.0	6.9	-	12.3	10.7	8.8
P/E	11.6	12.6	9.1	16.5	16.6	13.5	13.1
P/CFO	6.5	3.6	6.1	48.9	8.4	9.4	7.4
Total Yield	10.2%	10.7%	12.9%	11.1%	8.1%	9.5%	10.4%
Dividend Yield	1.5%	2.8%	1.9%	5.0%	2.0%	2.1%	2.1%
FCF Yield 3Y Avg	16.3%	28.1%	15.5%	15.6%	14.7%	12.5%	15.5%
D/E	0.1	0.4	0.2	0.6	0.1	0.0	0.1
Net D/E	-0.4	-1.7	-0.0	-1.3	-0.8	-0.1	-0.6

Returns

	HIG	MET	ALL	PRU	WRB	CINF	Median
Name	Hartford.	MetLife	Allstate	Prudenti.	WR Berkl.	Cincinna.
1M Rtn	1.9%	4.5%	-2.6%	0.9%	4.3%	3.8%	2.9%
3M Rtn	6.2%	5.3%	1.2%	5.1%	1.5%	7.8%	5.2%
6M Rtn	12.4%	2.0%	-2.5%	1.1%	17.7%	9.2%	5.6%
12M Rtn	16.8%	9.1%	8.5%	-3.6%	29.7%	18.2%	13.0%
3Y Rtn	114.1%	35.0%	66.9%	33.8%	75.5%	69.0%	68.0%
1M Excs Rtn	-0.2%	2.7%	-5.4%	-2.1%	1.6%	0.0%	-0.1%
3M Excs Rtn	-3.5%	-5.8%	-8.4%	-5.7%	-8.1%	-2.5%	-5.8%
6M Excs Rtn	-4.6%	-13.7%	-19.1%	-14.9%	1.0%	-7.4%	-10.6%
12M Excs Rtn	-4.5%	-8.4%	-9.3%	-22.0%	9.5%	-3.0%	-6.5%
3Y Excs Rtn	48.5%	-31.5%	6.6%	-36.1%	12.4%	6.1%	6.4%

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End		12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date		2/21/2025	2/23/2024	2/24/2023	2/18/2022	2/19/2021	2/21/2020
Key Financials
Total Revenue	27,259	26,384	24,330	21,854	21,649	20,320	20,508
Net Income	3,245	3,111	2,504	1,819	2,371	1,737	2,085
EPS	11.20	10.51	8.09	5.54	6.73	4.79	5.72
Growth Rates
Total Revenue Growth	7.8%	8.4%	11.3%	0.9%	6.5%	-0.9%	9.4%
Net Income Growth	11.4%	24.2%	37.7%	-23.3%	36.5%	-16.7%	15.4%
Margins
Net Income Margin	11.9%	11.8%	10.3%	8.3%	11.0%	8.5%	10.2%
Cash & Debt
Total Cash	21,155	20,702	19,299	40,319	46,749	48,469	45,254
Total Debt	4,369	4,366	4,362	4,357	4,944	4,352	4,848
Net Debt / (Cash)	-16,786	-16,336	-14,937	-35,962	-41,805	-44,117	-40,406
Cash Flows
Net Cash from Operations	5,828	5,909	4,220	4,008	4,093	3,871	3,489
Free Cash from Operations	5,690	5,764	4,005	3,833	3,960	3,757	3,384
Returns to Shareholders
Dividends	574	577	549	527	506	478	454
Share Repurchases	1,629	1,514	1,400	1,550	1,702	150	200

$ Mil \| FY: 12/31	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3
Period End	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Filing Date	7/28/2025	4/24/2025	2/21/2025	10/24/2024	7/25/2024	4/25/2024	2/23/2024	10/26/2023	7/27/2023	4/27/2023	2/24/2023	10/27/2022
Key Financials Quarterly
Total Revenue	6,974	6,771	6,800	6,714	6,470	6,400	6,323	6,101	6,022	5,884	5,847	5,518
Net Income	995	630	853	767	738	753	771	651	547	535	592	340
EPS	3.49	2.18	2.93	2.60	2.48	2.51	2.55	2.12	1.75	1.69	1.85	1.04
Key Financials TTM
Total Revenue TTM	27,259	26,755	26,384	25,907	25,294	24,846	24,330	23,854	23,271	22,469	21,853	21,655
Net Income TTM	3,245	2,988	3,111	3,029	2,913	2,722	2,504	2,325	2,014	1,911	1,819	1,962
Growth Rates Quarterly
Total Revenue Growth	7.8%	5.8%	7.5%	10.0%	7.4%	8.8%	8.1%	10.6%	15.4%	11.7%	3.5%	1.6%
Net Income Growth	34.8%	-16.3%	10.6%	17.8%	34.9%	40.7%	30.2%	91.5%	23.2%	20.8%	-19.5%	-29.5%
Margins Quarterly
Net Income Margin	14.3%	9.3%	12.5%	11.4%	11.4%	11.8%	12.2%	10.7%	9.1%	9.1%	10.1%	6.2%
Cash & Debt
Total Cash	21,155	21,088	20,702	20,536	19,626	18,956	19,299	41,373	40,883	41,656	40,319	38,616
Total Debt	4,369	4,368	4,366	4,365	4,364	4,363	4,362	4,361	4,360	4,358	4,357	4,356
Net Debt / (Cash)	-16,786	-16,720	-16,336	-16,171	-15,262	-14,593	-14,937	-37,012	-36,523	-37,298	-35,962	-34,260
Cash Flows Quarterly
FCF from Operations	1,291	985	1,874	1,678	1,260	1,097	1,627	1,771	-49	871	1,084	1,521
Cash Flows TTM
FCF from Operations TTM	5,828	5,797	5,909	5,662	5,755	4,446	4,220	3,677	3,427	4,450	4,008	4,128
Returns to Shareholders Quarterly
Dividends	149	150	137	138	140	141	129	131	134	134	123	126
Share Repurchases	415	400	414	400	350	350	350	350	350	350	350	350
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Commercial Lines	11,682	10,610	9,575	8,940	8,325
Group Benefits	6,515	6,057	5,687	5,536	5,603
Personal Lines	3,117	2,979	2,986	3,042	3,235
Net investment income	2,305	2,177	2,313	1,846	1,951
Hartford Funds	973	1,044	1,189	989	999
Other revenues	84	73	81	126	170
Corporate	39	49	50	58	60
Property & Casualty (P&C) Other Operations	0	0	0		2
Net realized losses	-188	-627	509	-14	395
Total	24,527	22,362	22,390	20,523	20,740

Net Income by Segment

$ Mil	2024	2023	2022	2021	2020
Commercial Lines	2,085	1,624	1,757	856	1,192
Group Benefits	535	327	256	383	536
Hartford Funds	174	162	217	170	149
Personal Lines	-39	91	385	718	318
Corporate	-121	-195	-149	-222
Property & Casualty (P&C) Other Operations	-130	-190	-95	-168	61
Preferred stock dividends			-21	-21	21
Total	2,504	1,819	2,350	1,716	2,277

Assets by Segment

$ Mil	2024	2021	2020
Commercial Lines	49,711	45,482	42,041
Group Benefits	13,697	14,732	14,595
Personal Lines	5,579	5,969	6,310
Property & Casualty (P&C) Other Operations	4,235	3,505	3,560
Corporate	2,874	3,761	3,677
Mutual Funds/Hartford Funds	684
Hartford Funds		662	634
Total	76,780	74,111	70,817

Price Behavior

Behavior Stats
Betas Matrix

Price Behavior

Market Price	$132.52
Market Cap ($ Bil)	37.6
First Trading Date	12/15/1995
Distance from 52W High	-1.6%
	50 Days	200 Days
DMA Price	$127.24	$120.07
DMA Trend	up	up
Distance from DMA	4.2%	10.4%
	3M	1YR
Volatility	18.9%	22.7%
Downside Capture	0.23	0.47
Upside Capture	66.23	65.80
Correlation (SPY)	32.5%	50.8%

HIG Betas & Captures as of 8/31/2025

	1M	2M	3M	6M	1Y	3Y
Beta	0.65	0.59	0.54	0.60	0.57	0.62
Up Beta	0.91	0.69	0.88	0.58	0.60	0.69
Down Beta	0.30	0.17	0.02	0.60	0.50	0.59
Up Capture	99%	73%	44%	62%	51%	34%
Bmk +ve Days	10	22	35	71	142	415
Stock +ve Days	14	24	34	70	138	433
Down Capture	15%	57%	66%	63%	66%	78%
Bmk -ve Days	11	19	27	54	106	334
Stock -ve Days	7	17	28	54	108	314

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date	8292025
Short Interest: Shares Quantity	4,229,124
Short Interest: % Change Since 8152025	22.5%
Average Daily Volume	1,226,312
Days-to-Cover Short Interest	3.45
Basic Shares Quantity	283,700,000
Short % of Basic Shares	1.5%

Returns Analyses

	Title
0	Will You Be Comfortable Buying Hartford Insurance Stock?
1	Hartford Financial Services Group (HIG) Stock Has 61% Chance Of Rise In The Next One Month
2	Hartford Insurance Stock Return Comparison
3	[10/15/2021] Hartford Financial Services Group (HIG) Stock Price Forecast: AI Forecasts HIG Stock Price To Be Around $73.40 In A Month (Up 1.8%)
4	Hartford Insurance Total Shareholder Return (TSR): 12.1% in 2022 and 10.0% 3-yr returns (above peer average)

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
7/28/2025	2.8%	4.1%	10.0%
4/24/2025	-0.4%	2.2%	8.1%
1/30/2025	-2.4%	-0.7%	5.3%
10/24/2024	-6.8%	-8.3%	0.2%
7/25/2024	7.1%	7.1%	10.1%
4/25/2024	-3.8%	-1.6%	2.2%
2/1/2024	3.7%	3.1%	9.4%
10/26/2023	-2.1%	2.4%	9.1%
...
SUMMARY STATS
# Positive	11	16	18
# Negative	13	8	6
Median Positive	2.8%	3.2%	6.5%
Median Negative	-2.3%	-1.8%	-6.3%
Max Positive	7.1%	7.1%	15.1%
Max Negative	-6.8%	-8.3%	-9.8%

	Forward Returns
7/28/2025	2.8%	4.1%	10.0%
4/24/2025	-0.4%	2.2%	8.1%
1/30/2025	-2.4%	-0.7%	5.3%
10/24/2024	-6.8%	-8.3%	0.2%
7/25/2024	7.1%	7.1%	10.1%
4/25/2024	-3.8%	-1.6%	2.2%
2/1/2024	3.7%	3.1%	9.4%
10/26/2023	-2.1%	2.4%	9.1%
7/27/2023	-5.0%	-4.6%	-5.6%
4/13/2023	-3.9%	-0.6%	-1.8%
2/2/2023	0.5%	2.5%	5.0%
10/27/2022	2.7%	3.7%	6.8%
7/28/2022	2.6%	0.4%	5.3%
4/28/2022	-1.9%	1.0%	2.0%
2/3/2022	-2.3%	1.1%	-8.9%
10/28/2021	-1.2%	-2.5%	-7.0%
7/28/2021	3.9%	6.0%	10.5%
4/16/2021	0.7%	3.1%	-0.2%
2/4/2021	-1.0%	-1.1%	8.3%
10/29/2020	-0.4%	3.2%	15.1%
7/15/2020	4.7%	4.2%	5.1%
2/3/2020	-4.0%	-1.9%	-9.8%
11/4/2019	5.0%	6.6%	6.2%
8/1/2019	1.0%	3.2%	3.0%
SUMMARY STATS
# Positive	11	16	18
# Negative	13	8	6
Median Positive	2.8%	3.2%	6.5%
Median Negative	-2.3%	-1.8%	-6.3%
Max Positive	7.1%	7.1%	15.1%
Max Negative	-6.8%	-8.3%	-9.8%

SEC Filings

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Report Date	Filing
6302025	10-Q 6/30/2025
3312025	10-Q 3/31/2025
12312024	10-K 12/31/2024
9302024	10-Q 9/30/2024
6302024	10-Q 6/30/2024
3312024	10-Q 3/31/2024
12312023	10-K 12/31/2023
9302023	10-Q 9/30/2023
6302023	10-Q 6/30/2023
3312023	10-Q 3/31/2023
12312022	10-K 12/31/2022
9302022	10-Q 9/30/2022
6302022	10-Q 6/30/2022
3312022	10-Q 3/31/2022
12312021	10-K 12/31/2021
9302021	10-Q 9/30/2021

Insider Activity

Expand for More

	Owner	Title	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	Paiano Robert W	EVP & Chief Risk Officer	5192025	Sell	128.04	9,098	1,164,898	2,891,108	Form
1	Niderno Allison G	SVP & Controller	4302025	Sell	119.42	1,086	129,664	74,298	Form

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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	2020	2021	2022	2023	2024	2025	Total [1]
Returns
HIG Return	-17%	44%	12%	9%	39%	23%	148%
Peers Return	-6%	31%	12%	3%	32%	8%	100%
S&P 500 Return	16%	27%	-19%	24%	23%	12%	104%
Monthly Win Rates [3]
HIG Win Rate	58%	58%	50%	67%	67%	62%
Peers Win Rate	52%	58%	60%	57%	65%	60%
S&P 500 Win Rate	58%	75%	42%	67%	75%	62%
Max Drawdowns [4]
HIG Max Drawdown	-57%	-2%	-11%	-13%	0%	-3%
Peers Max Drawdown	-47%	-4%	-9%	-21%	-1%	-11%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

Hartford Insurance (HIG)

Market Price (9/15/2025): $132.55 | Market Cap: $37.6 BilSector: Financials | Industry: Property & Casualty Insurance

Hartford Insurance (HIG)

Market Price (9/15/2025): $132.55Market Cap: $37.6 BilSector: FinancialsIndustry: Property & Casualty Insurance

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Market Price (9/15/2025): $132.55 | Market Cap: $37.6 Bil
Sector: Financials | Industry: Property & Casualty Insurance

Market Price (9/15/2025): $132.55
Market Cap: $37.6 Bil
Sector: Financials
Industry: Property & Casualty Insurance