8-K Announcements
6Apr 23, 2026·SEC
Jan 29, 2026·SEC
Dec 12, 2025·SEC
The Hartford Financial Services Group, Inc. (HIG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
The Hartford Financial Services Group, Inc. (HIG) stock price & volume — 10-year historical chart
The Hartford Financial Services Group, Inc. (HIG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
The Hartford Financial Services Group, Inc. (HIG) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $3.09vs $3.39-8.8% | $7.2Bvs $7.3B-1.7% |
| Q1 2026 | Jan 29, 2026 | $4.06vs $3.17+28.1% | $7.3Bvs $7.3B+0.6% |
| Q4 2025 | Oct 27, 2025 | $3.78vs $3.09+22.3% | $7.1Bvs $7.2B-0.3% |
| Q3 2025 | Jul 28, 2025 | $3.41vs $2.83+20.5% | $7.0Bvs $7.0B-0.8% |
The Hartford Financial Services Group, Inc. (HIG) competitors in Commercial and specialty P&C insurers — business model, growth, and fundamentals comparison
The Hartford Financial Services Group, Inc. (HIG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
The Hartford Financial Services Group, Inc. (HIG) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 17.16B | 18.75B | 20.51B | 20.32B | 21.65B | 21.85B | 24.33B | 26.38B | 28.26B | 28.76B |
| Revenue Growth % | 5.35% | 9.25% | 9.38% | -0.92% | 6.54% | 0.95% | 11.33% | 8.44% | 7.1% | 7.33% |
| Medical Costs & Claims | 16.11B | 16.83B | 17.77B | 17.99B | 19.18B | 19.8B | 21.16B | 22.41B | 15.24B | 11.24B |
| 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 Expenses | 330M | 167M | 183M | 209M | -435M | -211M | 79M | 121M | 8.26B | 6.32B |
| OpEx / Revenue % | 1.92% | 0.89% | 0.89% | 1.03% | -2.01% | -0.97% | 0.32% | 0.46% | 29.23% | 21.96% |
| Depreciation & Amortization | 399M | 467M | 451M | 562M | 680M | 625M | 510M | 356M | 396M | 304M |
| 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% | - |
| EBITDA | 1.12B | 2.22B | 3.01B | 2.68B | 3.58B | 2.89B | 3.6B | 4.21B | 5.16B | 4.28B |
| EBITDA Margin % | 6.54% | 11.84% | 14.68% | 13.2% | 16.56% | 13.21% | 14.79% | 15.94% | 18.25% | 14.89% |
| Interest Expense | 316M | 298M | 259M | 236M | 234M | 213M | 199M | 199M | 199M | 199M |
| Non-Operating Income | -316M | -298M | -259M | 0 | 0 | 0 | 0 | 0 | -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 Tax | 985M | 268M | 475M | 383M | 534M | 443M | 584M | 738M | 924M | 972M |
| 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) | -8.61 | 5.04 | 5.72 | 4.79 | 6.71 | 5.52 | 8.09 | 10.51 | 13.51 | - |
| Diluted Shares Outstanding | 370.5M | 364.1M | 364.9M | 360.6M | 354.1M | 329.5M | 311.5M | 298.6M | 286.5M | 282.6M |
The Hartford Financial Services Group, Inc. (HIG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 225.26B | 62.31B | 70.82B | 74.11B | 76.58B | 73.02B | 70.1B | 80.92B | 86B | 86.32B |
| Asset Growth % | 0.82% | -72.34% | 13.66% | 4.65% | 3.33% | -4.64% | -4.01% | 15.44% | 6.28% | 21.62% |
| Total Investment Assets | 82.12B | 47.18B | 53.03B | 100.16B | 98.69B | 50.26B | 4.98B | 59.21B | 4.35B | 4M |
| Long-Term Investments | 41.88B | 42.89B | 48.48B | 51.84B | 52.15B | 46.4B | 4.98B | 55.14B | 0 | 0 |
| Short-Term Investments | 40.25B | 4.28B | 45.07B | 48.32B | 46.54B | 3.86B | 0 | 4.07B | 4.35B | 4.22B |
| Total Current Assets | 49.24B | 39.77B | 7.49B | 7.7B | 0 | 52.23B | 11.55B | 10.25B | 10.8B | 11.12B |
| Cash & Equivalents | 180M | 121M | 185M | 151M | 205M | 229M | 126M | 183M | 133M | 166M |
| Receivables | 7.97B | 8.35B | 9.91B | 10.28B | 10.97B | 11.91B | 12.71B | 6B | 6.32B | 33.4B |
| Other Current Assets | 839M | 27.01B | -47.67B | -51.05B | -57.72B | 36.23B | -1.29B | 0 | 0 | 0 |
| Goodwill & Intangibles | 1.95B | 1.95B | 2.98B | 2.86B | 2.77B | 2.69B | 2.62B | 2.55B | 2.48B | 9.95B |
| Goodwill | 1.29B | 1.29B | 1.91B | 1.91B | 1.91B | 1.91B | 1.91B | 1.91B | 1.91B | 1.91B |
| Intangible Assets | 659M | 657M | 1.07B | 950M | 858M | 778M | 707M | 637M | 566M | 549M |
| PP&E (Net) | 1.03B | 1.01B | 1.18B | 1.12B | 1.03B | 927M | 896M | 888M | 931M | 923M |
| Other Assets | 130B | -24.56B | -48.19B | -51.79B | 20.63B | -1.45B | 48.46B | -55.14B | 0 | 0 |
| Total Liabilities | 211.77B | 49.21B | 54.55B | 55.55B | 58.73B | 59.39B | 54.77B | 64.47B | 67.02B | 67.43B |
| Total Debt | 5B | 4.68B | 4.85B | 4.35B | 4.94B | 4.36B | 4.36B | 4.37B | 4.37B | 4.37B |
| Net Debt | 4.82B | 4.56B | 4.66B | 4.2B | 4.74B | 4.13B | 4.24B | 4.18B | 4.24B | 4.21B |
| Long-Term Debt | 4.68B | 4.26B | 4.35B | 4.35B | 4.94B | 4.36B | 4.36B | 4.37B | 4.37B | 4.37B |
| Short-Term Debt | 320M | 413M | 500M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 207.09B | 44.94B | 1.25B | 0 | 0 | 2.11B | 35.21B | 614M | 612M | 612M |
| Accounts Payable | 816M | 767M | 0 | 0 | 0 | 658M | 0 | 614M | 612M | 612M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 1.45B | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 205.95B | 43.76B | 755M | 0 | 0 | 0 | 35.21B | 0 | 0 | 612M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 50.2B | 51.2B | 53.79B | 52.93B | 13.78B | 59.49B | 62.03B | 62.45B |
| 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 Equity | 13.49B | 13.1B | 16.27B | 18.56B | 17.84B | 13.63B | 15.33B | 16.45B | 18.98B | 18.89B |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 9.64B | 11.05B | 12.69B | 13.92B | 15.76B | 17.05B | 19.01B | 21.53B | 24.74B | 25.42B |
| Common Stock | 4M | 4M | 4M | 4M | 4M | 3M | 3M | 3M | 3M | 3M |
| Accumulated OCI | 663M | -1.58B | 52M | 1.17B | 172M | -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 / Assets | 5.99% | 21.03% | 22.97% | 25.04% | 23.3% | 18.67% | 21.87% | 20.33% | 22.07% | 21.88% |
| Debt / Equity | 0.37x | 0.36x | 0.30x | 0.23x | 0.28x | 0.32x | 0.28x | 0.27x | 0.23x | 0.23x |
| Book Value per Share | 36.42 | 35.98 | 44.59 | 51.46 | 50.39 | 41.37 | 49.20 | 55.08 | 66.24 | 66.84 |
| Tangible BV per Share | 31.16 | 30.63 | 36.41 | 43.52 | 42.57 | 33.21 | 40.80 | 46.55 | 57.60 | 58.14 |
The Hartford Financial Services Group, Inc. (HIG) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.19B | 2.84B | 3.49B | 3.87B | 4.09B | 4.01B | 4.22B | 5.91B | 5.92B | 5.92B |
| 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 | -3.13B | 1.81B | 2.08B | 1.74B | 2.37B | 1.81B | 2.5B | 3.11B | 3.84B | 4.06B |
| Depreciation & Amortization | 399M | 467M | 451M | 562M | 680M | 625M | 510M | 356M | 396M | 1.01B |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 4.33B | 415M | -242M | 218M | -699M | 634M | 286M | 264M | 182M | 107M |
| Working Capital Changes | 583M | 154M | 1.2B | 1.35B | 1.75B | 934M | 920M | 2.18B | 1.51B | 778M |
| 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 | -1.2B | 1.11B | -1.97B | 0 | 11M | -746M | -671M | -426M | 0 | -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 Investments | 33.61B | 26.87B | 21.57B | 22.25B | 25.13B | 16.27B | 8.98B | 11.29B | 12.59B | 9.66B |
| Other Investing | 38M | 534M | -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 | -1.03B | 0 | -200M | -150M | -1.7B | -1.55B | -1.4B | -1.51B | -1.61B | 400M |
| Stock Issued | 0 | 334M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 0 | 0 | 0 | 0 |
| Other Financing | 319M | -1.08B | -330M | -650M | 39M | -33M | 2M | 15M | -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 Effect | 70M | -10M | -9M | 8M | -6M | -14M | 3M | -20M | 14M | 1M |
| Cash at Beginning | 328M | 180M | 121M | 262M | 239M | 337M | 344M | 189M | 234M | 177M |
| Cash at End | 180M | 121M | 262M | 239M | 337M | 344M | 189M | 234M | 177M | 220M |
| 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 Share | 5.23 | 7.47 | 9.27 | 10.42 | 11.18 | 11.63 | 12.86 | 19.3 | 20.08 | 20.08 |
The Hartford Financial Services Group, Inc. (HIG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 95.79% | 90.65% | 87.52% | 89.57% | 86.58% | 89.65% | 87.31% | 85.41% | 83.16% | 61.04% |
| Medical Cost Ratio | 93.86% | 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 / Assets | 5.99% | 21.03% | 22.97% | 25.04% | 23.3% | 18.67% | 21.87% | 20.33% | 22.07% | 21.88% |
| Book Value / Share | 36.42 | 35.98 | 44.59 | 51.46 | 50.39 | 41.37 | 49.2 | 55.08 | 66.24 | 66.84 |
| Debt / Equity | 0.37x | 0.36x | 0.30x | 0.23x | 0.28x | 0.32x | 0.28x | 0.27x | 0.23x | 0.23x |
| Revenue Growth | 5.35% | 9.25% | 9.38% | -0.92% | 6.54% | 0.95% | 11.33% | 8.44% | 7.1% | 7.33% |
The Hartford Financial Services Group, Inc. (HIG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Jan 29, 2026·SEC
Dec 12, 2025·SEC
The Hartford Financial Services Group, Inc. (HIG) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
The Hartford Financial Services Group, Inc. (HIG) has a combined ratio of 83.2%. A ratio below 100% indicates underwriting profitability.
The Hartford Financial Services Group, Inc. (HIG) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates