The Hartford's earnings step-up appears substantially reserve-driven, with the loss ratio collapsing from the mid-80% range in 2024 to 51.1% by 2025Q4 on favorable prior-year development, lifting quarterly net income above $1.1B and ROE to a period-high 6.9% by 2026Q3.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth has plateaued at -0.2% in 2026Q3 after reaching 10.0% in 2024Q3, while the combined ratio deteriorated to 91.3% in 2026Q2 from 80.7% in 2025Q4 as the loss ratio rose to 65.4%, suggesting the favorable reserve cycle that drove 2025's 40%+ net income expansion may be unwinding.
The Hartford’s business insurance segment has shown significant expansion, driving overall performance. This growth underpins the company’s ability to capture higher premiums and diversify revenue streams.
In the most recent quarter, revenue rose 6.7% year‑on‑year, outperforming many competitors. This uptick reflects robust underwriting and effective pricing strategies.
Combined ratios have been trending downward, while operating margins are strengthening. These improvements signal greater underwriting efficiency and cost control.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 26, 2026 | $3.50+10.4% vs $3.17 | $7.2B-2.0% vs $7.4B |
Q3 2026 Jul 23, 2026 | $3.42+8.2% vs $3.16 | $7.3B+1.3% vs $7.2B |
Q2 2026 Apr 23, 2026 | $3.09-8.8% vs $3.39 | $7.2B-1.7% vs $7.3B |
Q1 2026 Jan 29, 2026 | $4.06+28.1% vs $3.17 | $7.3B+0.6% vs $7.3B |
The Hartford Insurance Group, Inc. (NYSE: HIG - Get Free Report) CFO Beth Costello sold 31,597 shares of the stock in a transaction dated Monday, November 2nd. The shares were sold at an average price of $135.75, for a total transaction of $4,289,292.75. Following the completion of the sale, the chief financial officer owned 82,988 shares
I monitor dividend increases and cuts across 1,200+ stocks, focusing on dividend growth streaks, safety, and valuation to identify conviction opportunities. V, APH, and HIG stand out for robust dividend hikes, high-quality scores, and strong safety metrics. Energy names XOM and MPLX offer high yields and long growth streaks, but MPLX and SCL raise coverage and safety concerns because of their high payout ratios.
Straight-through small business policy processing reached 78% in the third quarter. Small business written premium grew 7% with an 85.2 underlying combined ratio.
Elon Musk just called a $1.5 trillion crash-cost reduction claim credible, and auto insurers have no idea the market has not priced in what that means for the dividends retirees depend on.
Benchmark HIG against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for The Hartford Insurance Group, Inc. (HIG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $133.99 | $36.73B | 8.22 | 7.1% | 15.88% | 24.13% | 1.54% | |
| $395.20 | $82.43B | 9.99 | 5.17% | 17.03% | 26.24% | 1.09% | |
| $365.02 | $141.58B | 12.75 | 6.47% | 17.96% | 13.98% | 1.04% | |
| $47.32 | $12.8B | 11.27 | 5.1% | 7.57% | 10.41% | 8.13% | |
| $75.23 | $28.01B | 15.80 | 7.82% | 10.36% | 18.96% | 2.33% | |
| $433.74 | $52.08B | 42.44 | 10.06% | 0.81% | 6.68% | 0.82% |
The Hartford Insurance Group, Inc. (HIG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
The Hartford Insurance Group, Inc. (HIG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 26, 2026·SEC
Sep 30, 2026·SEC
Jul 23, 2026·SEC
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The Hartford Insurance Group, Inc. (HIG) stock FAQ — growth, dividends, profitability & financials explained
The Hartford Insurance Group, Inc. (HIG) grew revenue by 4.3% over the trailing twelve months, compared with the twelve months before.
Yes. The Hartford Insurance Group, Inc. (HIG) earned $4.61B in net income over the trailing twelve months (a 15.9% net margin).
Yes. The Hartford Insurance Group, Inc. (HIG) pays a dividend that yields 1.54% at the current price, a moderate yield.
The Hartford Insurance Group, Inc. (HIG) had a return on equity (ROE) of 24.1% over the trailing twelve months. That is well above the market's typical 10-15%.
The Hartford Insurance Group, Inc. (HIG) has a combined ratio of 83.2%. A ratio below 100% indicates underwriting profitability.
