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HIG logoThe Hartford Financial Services Group, Inc.(HIG)Earnings, Financials & Key Ratios

HIG•NYSE•Insurance & Managed Care
$134.15
$36.89B mkt cap·10.1× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryCommercial and specialty P&C insurers
AboutThe 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 more
  • Revenue$28.26B+7.1%
  • Combined Ratio83.16%-2.6%
  • Net Income$3.84B+23.3%
  • Return on Equity21.66%+10.6%
  • Medical Cost Ratio53.92%-36.5%
  • Operating Margin16.84%+15.5%
  • Net Margin13.57%+15.1%
  • ROA4.6%+11.6%
  • Equity / Assets22.07%+8.6%
  • Book Value per Share66.24+20.3%
  • Tangible BV/Share57.60+23.7%
  • Debt/Equity0.23-13.2%
Analysis→Technical→

HIG Key Insights

The Hartford Financial Services Group, Inc. (HIG) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 83.2% combined ratio
  • ✓Strong 5Y profit CAGR of 17.2%
  • ✓Strong Piotroski F-Score: 9/9
  • ✓15 consecutive years of dividend growth
  • ✓Low loss ratio of 53.9%
  • ✓Good 3Y average ROE of 19.5%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

HIG Price & Volume

The Hartford Financial Services Group, Inc. (HIG) stock price & volume — 10-year historical chart

Loading chart...

HIG Growth Metrics

The Hartford Financial Services Group, Inc. (HIG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.85%
5 Years6.82%
3 Years8.94%
TTM7.33%

Profit CAGR

10 Years8.59%
5 Years17.17%
3 Years28.24%
TTM35.94%

EPS CAGR

10 Years12.9%
5 Years22.85%
3 Years34.78%
TTM41.77%

Return on Capital

10 Years4.98%
5 Years5.05%
3 Years6.09%
Last Year5.75%

HIG Recent Earnings

The Hartford Financial Services Group, Inc. (HIG) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 23, 2026
EPS
$3.09
Est $3.39
-8.8%
Revenue
$7.2B
Est $7.3B
-1.7%
Q1 2026
Jan 29, 2026
EPS
$4.06
Est $3.17
+28.1%
Revenue
$7.3B
Est $7.3B
+0.6%
Q4 2025
Oct 27, 2025
EPS
$3.78
Est $3.09
+22.3%
Revenue
$7.1B
Est $7.2B
-0.3%
Q3 2025
Jul 28, 2025
EPS
$3.41
Est $2.83
+20.5%
Revenue
$7.0B
Est $7.0B
-0.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$3.09vs $3.39-8.8%
$7.2Bvs $7.3B-1.7%
Q1 2026Jan 29, 2026
$4.06vs $3.17+28.1%
$7.3Bvs $7.3B+0.6%
Q4 2025Oct 27, 2025
$3.78vs $3.09+22.3%
$7.1Bvs $7.2B-0.3%
Q3 2025Jul 28, 2025
$3.41vs $2.83+20.5%
$7.0Bvs $7.0B-0.8%
Based on last 12 quarters of dataView full earnings history →

HIG Peer Comparison

The Hartford Financial Services Group, Inc. (HIG) competitors in Commercial and specialty P&C insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
TRV logoTRVThe Travelers Companies, Inc.Direct Competitor65.17B301.3910.995.17%12.88%19.12%0.28
CB logoCBChubb LimitedDirect Competitor125.88B322.5712.546.47%17.25%13.62%11.55%0.28
CNA logoCNACNA Financial CorporationDirect Competitor12.05B44.539.495.1%8.69%11.65%19.96%0.27
WRB logoWRBW. R. Berkley CorporationDirect Competitor24.9B66.4914.947.82%12.1%18.86%13.93%0.29
HUM logoHUMHumana Inc.Direct Competitor28.76B239.5324.3410.06%0.82%6.17%1.3%0.73
MET logoMETMetLife, Inc.Direct Competitor52.79B79.9013.453.29%5.43%13.16%28.63%0.68
PRU logoPRUPrudential Financial, Inc.Direct Competitor34.89B100.279.81-14.01%5.87%10.54%17.97%0.94
ALL logoALLThe Allstate CorporationProduct Competitor56.25B218.515.724.64%18.09%42.74%17.57%0.24

Compare HIG vs Peers

The Hartford Financial Services Group, Inc. (HIG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TRV

Most directly comparable listed peer for HIG.

Scale Benchmark

vs CB

Larger-name benchmark to compare HIG against a more recognizable public peer.

Peer Set

Compare Top 5

vs TRV, CB, CNA, WRB

HIG Income Statement

The Hartford Financial Services Group, Inc. (HIG) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue17.16B18.75B20.51B20.32B21.65B21.85B24.33B26.38B28.26B28.76B
Revenue Growth %5.35%9.25%9.38%-0.92%6.54%0.95%11.33%8.44%7.1%7.33%
Medical Costs & Claims16.11B16.83B17.77B17.99B19.18B19.8B21.16B22.41B15.24B11.24B
Medical Cost Ratio %93.86%89.76%86.62%88.54%88.59%90.61%86.98%84.95%53.92%39.08%
Gross Profit
1.05B▲ 0%
1.92B▲ 82.3%
2.74B▲ 42.9%
2.33B▼ 15.1%
2.47B▲ 6.1%
2.05B▼ 17.0%
3.17B▲ 54.4%
3.97B▲ 25.4%
13.02B▲ 228.0%
10.29B▲ 0%
Gross Margin %6.14%10.24%13.38%11.46%11.41%9.39%13.02%15.05%46.08%35.79%
Gross Profit Growth %35.35%82.34%42.86%-15.09%6.05%-16.96%54.41%25.36%227.96%-
Operating Expenses330M167M183M209M-435M-211M79M121M8.26B6.32B
OpEx / Revenue %1.92%0.89%0.89%1.03%-2.01%-0.97%0.32%0.46%29.23%21.96%
Depreciation & Amortization399M467M451M562M680M625M510M356M396M304M
Combined Ratio %95.79%90.65%87.52%89.57%86.58%89.65%87.31%85.41%83.16%61.04%
Operating Income
723M▲ 0%
1.75B▲ 142.5%
2.56B▲ 46.0%
2.12B▼ 17.2%
2.9B▲ 37.0%
2.26B▼ 22.1%
3.09B▲ 36.5%
3.85B▲ 24.6%
4.76B▲ 23.7%
3.98B▲ 0%
Operating Margin %4.21%9.35%12.48%10.43%13.42%10.35%12.69%14.59%16.84%13.83%
Operating Income Growth %61.75%142.46%46.04%-17.19%37.03%-22.13%36.52%24.64%23.67%-
EBITDA1.12B2.22B3.01B2.68B3.58B2.89B3.6B4.21B5.16B4.28B
EBITDA Margin %6.54%11.84%14.68%13.2%16.56%13.21%14.79%15.94%18.25%14.89%
Interest Expense316M298M259M236M234M213M199M199M199M199M
Non-Operating Income-316M-298M-259M00000-199M-149M
Pretax Income
723M▲ 0%
1.75B▲ 142.5%
2.56B▲ 46.0%
2.12B▼ 17.2%
2.9B▲ 37.0%
2.26B▼ 22.1%
3.09B▲ 36.5%
3.85B▲ 24.6%
4.76B▲ 23.7%
5.03B▲ 0%
Pretax Margin %4.21%9.35%12.48%10.43%13.42%10.35%12.69%14.59%16.84%17.51%
Income Tax985M268M475M383M534M443M584M738M924M972M
Effective Tax Rate %136.24%15.29%18.55%18.07%18.38%19.58%18.91%19.17%19.41%19.31%
Net Income
-3.13B▲ 0%
1.81B▲ 157.7%
2.08B▲ 15.4%
1.74B▼ 16.7%
2.37B▲ 36.5%
1.82B▼ 23.3%
2.5B▲ 37.7%
3.11B▲ 24.2%
3.84B▲ 23.3%
4.06B▲ 0%
Net Margin %-18.24%9.64%10.17%8.55%10.95%8.32%10.29%11.79%13.57%14.13%
Net Income Growth %-449.44%157.71%15.38%-16.69%36.5%-23.28%37.66%24.24%23.3%35.94%
EPS (Diluted)
-8.45▲ 0%
4.96▲ 158.7%
5.66▲ 14.1%
4.76▼ 15.9%
6.62▲ 39.1%
5.44▼ 17.8%
7.97▲ 46.5%
10.35▲ 29.9%
13.32▲ 28.7%
14.37▲ 0%
EPS Growth %-472.25%158.7%14.11%-15.9%39.08%-17.82%46.51%29.86%28.7%41.77%
EPS (Basic)-8.615.045.724.796.715.528.0910.5113.51-
Diluted Shares Outstanding370.5M364.1M364.9M360.6M354.1M329.5M311.5M298.6M286.5M282.6M

HIG Balance Sheet

The Hartford Financial Services Group, Inc. (HIG) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets225.26B62.31B70.82B74.11B76.58B73.02B70.1B80.92B86B86.32B
Asset Growth %0.82%-72.34%13.66%4.65%3.33%-4.64%-4.01%15.44%6.28%21.62%
Total Investment Assets82.12B47.18B53.03B100.16B98.69B50.26B4.98B59.21B4.35B4M
Long-Term Investments41.88B42.89B48.48B51.84B52.15B46.4B4.98B55.14B00
Short-Term Investments40.25B4.28B45.07B48.32B46.54B3.86B04.07B4.35B4.22B
Total Current Assets49.24B39.77B7.49B7.7B052.23B11.55B10.25B10.8B11.12B
Cash & Equivalents180M121M185M151M205M229M126M183M133M166M
Receivables7.97B8.35B9.91B10.28B10.97B11.91B12.71B6B6.32B33.4B
Other Current Assets839M27.01B-47.67B-51.05B-57.72B36.23B-1.29B000
Goodwill & Intangibles1.95B1.95B2.98B2.86B2.77B2.69B2.62B2.55B2.48B9.95B
Goodwill1.29B1.29B1.91B1.91B1.91B1.91B1.91B1.91B1.91B1.91B
Intangible Assets659M657M1.07B950M858M778M707M637M566M549M
PP&E (Net)1.03B1.01B1.18B1.12B1.03B927M896M888M931M923M
Other Assets130B-24.56B-48.19B-51.79B20.63B-1.45B48.46B-55.14B00
Total Liabilities211.77B49.21B54.55B55.55B58.73B59.39B54.77B64.47B67.02B67.43B
Total Debt5B4.68B4.85B4.35B4.94B4.36B4.36B4.37B4.37B4.37B
Net Debt4.82B4.56B4.66B4.2B4.74B4.13B4.24B4.18B4.24B4.21B
Long-Term Debt4.68B4.26B4.35B4.35B4.94B4.36B4.36B4.37B4.37B4.37B
Short-Term Debt320M413M500M0000000
Total Current Liabilities207.09B44.94B1.25B002.11B35.21B614M612M612M
Accounts Payable816M767M000658M0614M612M612M
Deferred Revenue000001.45B0000
Other Current Liabilities205.95B43.76B755M00035.21B00612M
Deferred Taxes0000001000K000
Other Liabilities0050.2B51.2B53.79B52.93B13.78B59.49B62.03B62.45B
Total Equity
13.49B▲ 0%
13.1B▼ 2.9%
16.27B▲ 24.2%
18.56B▲ 14.1%
17.84B▼ 3.8%
13.63B▼ 23.6%
15.33B▲ 12.4%
16.45B▲ 7.3%
18.98B▲ 15.4%
18.89B▲ 0%
Equity Growth %-20.17%-2.91%24.19%14.05%-3.84%-23.61%12.44%7.31%15.39%47.74%
Shareholders Equity13.49B13.1B16.27B18.56B17.84B13.63B15.33B16.45B18.98B18.89B
Minority Interest0000000000
Retained Earnings9.64B11.05B12.69B13.92B15.76B17.05B19.01B21.53B24.74B25.42B
Common Stock4M4M4M4M4M3M3M3M3M3M
Accumulated OCI663M-1.58B52M1.17B172M-3.88B-2.85B-2.89B-2.06B-2.42B
Return on Equity (ROE)-20.6%13.59%14.2%9.98%13.03%11.56%17.29%19.58%21.66%22.01%
Return on Assets (ROA)-1.4%1.26%3.13%2.4%3.15%2.43%3.5%4.12%4.6%4.77%
Equity / Assets5.99%21.03%22.97%25.04%23.3%18.67%21.87%20.33%22.07%21.88%
Debt / Equity0.37x0.36x0.30x0.23x0.28x0.32x0.28x0.27x0.23x0.23x
Book Value per Share36.4235.9844.5951.4650.3941.3749.2055.0866.2466.84
Tangible BV per Share31.1630.6336.4143.5242.5733.2140.8046.5557.6058.14

HIG Cash Flow Statement

The Hartford Financial Services Group, Inc. (HIG) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations2.19B2.84B3.49B3.87B4.09B4.01B4.22B5.91B5.92B5.92B
Operating CF Growth %5.81%30.05%22.72%10.95%5.73%-2.08%5.29%40.02%0.22%14.56%
Operating CF / Revenue %12.74%15.16%17.01%19.05%18.91%18.34%17.34%22.4%20.96%20.59%
Net Income-3.13B1.81B2.08B1.74B2.37B1.81B2.5B3.11B3.84B4.06B
Depreciation & Amortization399M467M451M562M680M625M510M356M396M1.01B
Stock-Based Compensation00000000026M
Deferred Taxes0000000000
Other Non-Cash Items4.33B415M-242M218M-699M634M286M264M182M107M
Working Capital Changes583M154M1.2B1.35B1.75B934M920M2.18B1.51B778M
Cash from Investing-1.43B-1.43B-2.15B-2.12B-2.41B-1.28B-2.43B-3.77B-3.76B-3.69B
Capital Expenditures-250M-122M-105M-114M-133M-175M-215M-145M-169M-162M
Acquisitions-1.2B1.11B-1.97B011M-746M-671M-426M0-209M
Purchase of Investments-33.62B-29.82B-21.2B-24.2B-27.3B-16B-10.49B-14.2B-16.09B-10.82B
Sale/Maturity of Investments33.61B26.87B21.57B22.25B25.13B16.27B8.98B11.29B12.59B9.66B
Other Investing38M534M-455M-59M-111M-619M-40M-292M-89M-2.16B
Cash from Financing-979M-1.47B-1.19B-1.78B-1.58B-2.71B-1.95B-2.08B-2.23B-2.29B
Dividends Paid-341M-379M-454M-478M-506M-527M-549M-577M-613M-463M
Share Repurchases-1.03B0-200M-150M-1.7B-1.55B-1.4B-1.51B-1.61B400M
Stock Issued0334M00000000
Debt Issuance (Net)1000K-1000K-1000K-1000K1000K-1000K0000
Other Financing319M-1.08B-330M-650M39M-33M2M15M-7M-2.23B
Net Change in Cash
-148M▲ 0%
-59M▲ 60.1%
141M▲ 339.0%
-23M▼ 116.3%
98M▲ 526.1%
7M▼ 92.9%
-155M▼ 2314.3%
45M▲ 129.0%
-57M▼ 226.7%
4M▲ 0%
Exchange Rate Effect70M-10M-9M8M-6M-14M3M-20M14M1M
Cash at Beginning328M180M121M262M239M337M344M189M234M177M
Cash at End180M121M262M239M337M344M189M234M177M220M
Free Cash Flow
1.94B▲ 0%
2.72B▲ 40.5%
3.38B▲ 24.4%
3.76B▲ 11.0%
3.96B▲ 5.4%
3.83B▼ 3.2%
4B▲ 4.5%
5.76B▲ 43.9%
5.75B▼ 0.2%
5.82B▲ 0%
FCF Growth %5.1%40.55%24.37%11.02%5.4%-3.21%4.49%43.92%-0.19%2.75%
FCF Margin %11.28%14.51%16.5%18.49%18.29%17.54%16.46%21.85%20.36%20.24%
FCF per Share5.237.479.2710.4211.1811.6312.8619.320.0820.08

HIG Key Ratios

The Hartford Financial Services Group, Inc. (HIG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio95.79%90.65%87.52%89.57%86.58%89.65%87.31%85.41%83.16%61.04%
Medical Cost Ratio93.86%89.76%86.62%88.54%88.59%90.61%86.98%84.95%53.92%39.08%
Return on Equity (ROE)-20.6%13.59%14.2%9.98%13.03%11.56%17.29%19.58%21.66%22.01%
Return on Assets (ROA)-1.4%1.26%3.13%2.4%3.15%2.43%3.5%4.12%4.6%4.77%
Equity / Assets5.99%21.03%22.97%25.04%23.3%18.67%21.87%20.33%22.07%21.88%
Book Value / Share36.4235.9844.5951.4650.3941.3749.255.0866.2466.84
Debt / Equity0.37x0.36x0.30x0.23x0.28x0.32x0.28x0.27x0.23x0.23x
Revenue Growth5.35%9.25%9.38%-0.92%6.54%0.95%11.33%8.44%7.1%7.33%

HIG SEC Filings & Documents

The Hartford Financial Services Group, Inc. (HIG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Jan 29, 2026·SEC

Material company update

Dec 12, 2025·SEC

10-K Annual Reports

2
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 21, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 23, 2026·SEC

FY 2025

Oct 27, 2025·SEC

FY 2025

Jul 28, 2025·SEC

HIG Frequently Asked Questions

The Hartford Financial Services Group, Inc. (HIG) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

The Hartford Financial Services Group, Inc. (HIG) grew revenue by 7.1% over the past year. This is steady growth.

Yes, The Hartford Financial Services Group, Inc. (HIG) is profitable, generating $4.06B in net income for fiscal year 2025 (13.6% net margin).

Dividend & Returns

Yes, The Hartford Financial Services Group, Inc. (HIG) pays a dividend with a yield of 1.54%. This makes it attractive for income-focused investors.

The Hartford Financial Services Group, Inc. (HIG) has a return on equity (ROE) of 21.7%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

The Hartford Financial Services Group, Inc. (HIG) has a combined ratio of 83.2%. A ratio below 100% indicates underwriting profitability.

Explore More HIG

The Hartford Financial Services Group, Inc. (HIG) financial analysis — history, returns, DCA and operating performance tools

Full HIG Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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