Full text
Earnings transcript
Read the complete earnings call transcript.
HIG
The Hartford Insurance Group, Inc.
$137.35
-2.51
(-1.79%)
| Exchange: | NYSE |
| Market Cap: | 37.652B |
| Shares Outstanding: | 233.891M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Diversified | |||||
| CEO: | Christopher J. Swift | |||||
| Full Time Employees: | 19200 | |||||
| Address: |
| |||||
| Website: | https://www.thehartford.com |
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.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 30,487,892.946 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 31,125,194.475 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 30,806,543.711 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 4,844,310.030 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 4,945,572.725 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 4,894,941.377 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 3,968,649.583 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 4,346,617.575 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 4,157,633.579 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 14.630 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 15.170 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 13.850 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 4 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 3 | Research Access | Research Access | Research Access | Research Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
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.
Log in with Research Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
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 Insurance Group, Inc. (HIG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for The Hartford Insurance 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
-1.79
Trading Metrics:
| Open: | 138.63 | Previous Close: | 139.86 | |
| Day Low: | 136.49 | Day High: | 138.97 | |
| Year Low: | 120.33 | Year High: | 146.07 | |
| Price Avg 50: | 138.03 | Price Avg 200: | 136.02 | |
| Volume: | 196145 | Average Volume: | 1.689M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
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…
