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Earnings transcript
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HIG
The Hartford Financial Services Group, Inc.
$128.97
1.38
(1.08%)
| Exchange: | NYSE |
| Market Cap: | 35.355B |
| Shares Outstanding: | 233.891M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Christopher Jerome Swift | |||||
| Full Time Employees: | 19100 | |||||
| Address: |
| |||||
| Website: | https://www.thehartford.com |
The Hartford Financial Services Group, Inc., founded in 1810 and headquartered in Hartford, Connecticut, operates globally, providing a comprehensive array of insurance and financial services to individual and business clients in the United States, United Kingdom, and other international markets. Its Commercial Lines division delivers a full suite of property, casualty, and specialty insurance offerings, including workers’ compensation, automobile, general liability, umbrella, various bond types, marine, livestock, and reinsurance. This segment also provides tailored risk management and insurance solutions like professional liability and surety, distributed through a wide network including regional offices, branches, sales and service centers, independent agents, brokers, wholesale channels, and reinsurance brokers. The Personal Lines segment caters to individuals with automobile, homeowners, and personal umbrella coverages, made available directly to consumers and through independent agents. Separately, Property & Casualty Other Operations addresses specific liabilities such as asbestos and environmental exposures. The Group Benefits segment supplies group life, disability, and other collective insurance products to employer groups, associations, and affinity organizations, either directly or by reinsuring other carriers. These offerings include both employer-paid and voluntary options, as well as disability underwriting, administration, and claims processing for self-funded plans and integrated leave management solutions. Distribution for this segment occurs through brokers, consultants, third-party administrators, trade associations, and private exchanges. Finally, Hartford Funds offers investment products designed for retail and retirement accounts, including exchange-traded products, distributed via broker-dealers, independent financial advisors, defined contribution platforms, financial consultants, bank trust departments, and registered investment advisors. This segment also provides essential investment management and administrative services, from product design to oversight.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 24,330,000 | 26,384,000 | 28,258,000 |
| Gross Profit | 3,167,000 | 3,970,000 | 13,020,000 |
| EBITDA | 3,598,000 | 4,205,000 | 5,355,000 |
| Operating Income | 3,088,000 | 3,849,000 | 4,760,000 |
| Net Income | 2,504,000 | 3,111,000 | 3,836,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 76,780,000 | 80,917,000 | 85,997,000 |
| Total Liabilities | 61,453,000 | 64,470,000 | 67,018,000 |
| Total Stockholders Equity | 15,327,000 | 16,447,000 | 18,979,000 |
| Total Debt | 4,362,000 | 4,366,000 | 4,371,000 |
| Cash and Cash Equivalents | 126,000 | 183,000 | 133,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 4,220,000 | 5,909,000 | 0 |
| Capital Expenditure | -215,000 | -145,000 | 0 |
| Free Cash Flow | 4,005,000 | 5,764,000 | 0 |
| Net Income | 2,504,000 | 3,111,000 | 3,836,000 |
| Net Change in Cash | -155,000 | 45,000 | -234,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 31,713,930.480 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 31,713,930.481 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 31,713,930.481 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 5,039,118.702 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 5,039,118.702 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 5,039,118.702 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 4,149,872.294 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 4,783,487.101 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 4,466,679.698 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 15.480 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 16.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 14.480 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: HIG has demonstrated consistent revenue and net income growth over recent periods, as reflected in the income statements. Strong operating cash flow and free cash flow metrics indicate robust financial health and the ability to fund operations and investments effectively.
- Favorable Valuation Metrics: The current price-to-earnings (P/E) ratio (TTM) and price-to-sales (P/S) ratio (TTM) suggest that HIG is reasonably valued compared to industry averages, providing a stable investment profile for value-focused investors.
- Strong Balance Sheet: HIG maintains a healthy current ratio (TTM) and quick ratio (TTM), indicating good liquidity to cover short-term liabilities. Additionally, a moderate debt-to-equity ratio (TTM) reflects a balanced approach to leverage.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates HIG intrinsic value between $195.15 – $285.09 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about HIG valuation
Is The Hartford Financial Services Group, Inc. (HIG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for The Hartford Financial Services Group, Inc. (HIG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is HIG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether HIG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is HIG’s P/E ratio?
You can see HIG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for HIG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is HIG a good long-term investment?
Whether HIG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
HIG
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.08
Trading Metrics:
| Open: | 128.06 | Previous Close: | 127.59 | |
| Day Low: | 127.52 | Day High: | 130.24 | |
| Year Low: | 119.61 | Year High: | 144.5 | |
| Price Avg 50: | 134.67 | Price Avg 200: | 134.01 | |
| Volume: | 1.781M | Average Volume: | 1.573M |
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Login — it's freeHIG full analysis
Welcome to MARKETSNAP’s SWOT analysis for The Hartford Financial Services Group, or HIG as it’s known on the ticker. If you’re not familiar with The Hartford, let me give you the quick rundown. This is a well-established player in the insurance and financial services space, operating primarily in property and casualty insurance, group benefits, and mutual funds. Based in the U.S., they’ve got a solid footprint with thousands of employees and a market cap that places them firmly among the…
