Hartford (HIG) stock
Financials · Property & Casualty Insurance
Hartford (HIG) is a Property & Casualty Insurance company in the Financials sector, headquartered in Hartford, Connecticut. As of October 23, 2026, HIG closed at $136.76, a market capitalization of $37.04 billion, the 286th largest company in the S&P 500. Over the last twelve months it generated $29.32 billion in revenue (+8% year over year) and $5.79 billion in free cash flow. The stock trades at 9.7x trailing earnings and 9.9x forward earnings.
- 1-year total return: +11.1% (dividends reinvested)
- 5-year return: +15.3% a year
- 52-week range: $120.33 – $146.07
- Gross margin 37.9%, operating margin 17.6%
- Dividend yield: 1.75%, 13 straight years of increases
- FI Handbook report card: B across 10 metrics
- 47th largest of 76 Financials stocks in the S&P 500
HIG price chart
1Y price change: +9.2% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| HIG | +8.0% | +0.6% | +11.1% | +27.6% | +15.3% | +14.8% | +7.9% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 1995.
HIG key statistics
- Market cap
- $37.0B
- #286 in S&P 500
- P/E (TTM)
- 9.7x
- Forward P/E
- 9.9x
- EPS (TTM)
- $14.13
- Revenue (TTM)
- $29.3B
- +8%
- Free cash flow
- $5.8B
- Gross margin
- 37.9%
- Operating margin
- 17.6%
- Return on equity
- 22.1%
- Dividend yield
- 1.75%
- 52-week range
- $120.33 – $146.07
- Beta
- 0.49
- Price / sales
- 1.3x
- EV / EBITDA
- 6.8x
- Debt / equity
- 0.22x
- Employees
- 19,200
HIG report card
BTen fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth8.1%C
- Gross margin37.9%C
- Operating margin17.6%C
- FCF margin19.7%B
- Return on equity22.1%B
- Net debt / EBITDA0.1xB
- Forward P/E9.9xA
- PEG ratio0.1xA
- Shareholder yield6.1%A
- Share count change / yr-4.5%A
Hartford Insurance Group, I financials
Revenue went from $16.3B in fiscal 2016 to $1.5B in fiscal 2025, shrinking 23.2% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16.3B | $1.3B | $1.4B | $1.4B | $1.4B | $1.6B | $1.4B | $1.4B | $1.5B | $1.5B |
| Net income | $896.0M | -$3.1B | $1.8B | $2.1B | $1.7B | $2.4B | $1.8B | $2.5B | $3.1B | $3.8B |
| EPS (diluted) | $2.27 | $-8.61 | $4.95 | $5.66 | $4.76 | $6.64 | $5.46 | $7.97 | $10.35 | $13.32 |
| Free cash flow | $1.8B | $1.9B | $2.7B | $3.4B | $3.8B | $4.0B | $3.8B | $4.0B | $5.8B | $5.8B |
| Buybacks | $1.3B | $1.0B | $0 | $200.0M | $150.0M | $1.7B | $1.6B | $1.4B | $1.5B | $1.6B |
| Dividends paid | $334.0M | $341.0M | $379.0M | $433.0M | $457.0M | $485.0M | $506.0M | $528.0M | $556.0M | $592.0M |
| Diluted shares | 394.8M | 363.7M | 364.1M | 364.9M | 360.6M | 354.1M | 329.5M | 311.5M | 298.6M | 286.5M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into HIG?
A reverse DCF asks what growth the current price requires. With an enterprise value of $37.4B and $5.8B of trailing free cash flow, Hartford Insurance Group, I needs to grow free cash flow about -16.3% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return. For context, free cash flow grew 8.9% a year over the last five years.
P/E ratio history
Current 10.3x vs. median 12.3x (10th–90th percentile 7.2x–25.5x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
HIG dividend
- Dividend yield
- 1.75%
- Annual dividend
- $2.40
- Years of increases
- 13
- 5-yr dividend growth
- 10.7%
- per year
- Payout ratio
- 16%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
HIG analyst price targets
21 analysts' average 12-month target is $146.86 (+7% vs. $136.76). Targets range from $135.00 to $163.00. 33% rate it a buy.
HIG earnings
Next report: October 26, 2026. Hartford Insurance Group, I has beaten EPS estimates 1 quarters in a row. Last quarter's revenue was $7.1B (+7% year over year).
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Jul 23, 2026 | $3.14 | $3.42 | +8.9% |
| Apr 23, 2026 | $3.39 | $3.09 | -8.8% |
| Jan 29, 2026 | $3.22 | $4.06 | +26.2% |
| Oct 27, 2025 | $3.31 | $3.77 | +13.8% |
| Jul 28, 2025 | $2.83 | $3.41 | +20.4% |
| Apr 24, 2025 | $2.15 | $2.20 | +2.5% |
| Jan 30, 2025 | $2.64 | $2.94 | +11.2% |
| Oct 24, 2024 | $2.53 | $2.53 | -0.0% |
Stocks like HIG
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 CB Chubb | -2.43% | +27% | $137.0B | 12.4x | Compare |
 PGR Progressive | -0.68% | +10% | $132.2B | 11.5x | Compare |
 TRV Travelers Companies | -1.77% | +50% | $81.6B | 10.5x | Compare |
 ALL Allstate | -2.28% | +33% | $64.0B | 5.1x | Compare |
 ACGL Arch Capital | -0.97% | +16% | $34.7B | 8.0x | Compare |
 WRB W.R. Berkley | -2.94% | +0% | $27.2B | 15.5x | Compare |
 CINF Cincinnati Financial Corporatio | -1.11% | +16% | $27.1B | 8.3x | Compare |
 BRK-B Berkshire Hathaway | -0.87% | +11% | $1.2T | 13.6x | Compare |
HIG news
- Hartford (HIG) reports Q3: everything you need to know ahead of earnings · Oct 25, 2026
- Unlocking Q3 Potential of The Hartford Insurance Group (HIG): Exploring Wall Street Estimates for Key Metrics · Oct 21, 2026
- Can Personal Insurance Strength Drive Hartford's Q3 Earnings Beat? · Oct 20, 2026
- Can The Hartford's Equitable Deal Strengthen Its Benefits Business? · Oct 14, 2026
- The Hartford Closes Acquisition Of Equitable’s Employee Benefits Business · Oct 13, 2026
HIG stock FAQ
What is HIG's market cap?
Hartford's market capitalization is $37.04 billion as of October 23, 2026, ranking 286th in the S&P 500.
What is HIG's P/E ratio?
HIG trades at a trailing price-to-earnings ratio of 9.7x and a forward P/E of 9.9x. Its median P/E over the period we track is 12.3x.
Does HIG pay a dividend?
Yes. Hartford pays $2.40 per share a year, a 1.75% yield. It has raised its dividend 13 years in a row. Dividends grew 10.7% a year over the last five years.
How much has HIG stock returned?
Including reinvested dividends, HIG returned +11.1% over one year, +15.3% a year over five years, +14.8% a year over ten years through October 23, 2026.
Is HIG stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Hartford must grow free cash flow about -16% a year for the next decade. Its free cash flow grew 9% a year over the last five years. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the HIG price target?
21 analysts cover HIG with an average 12-month price target of $146.86, +7% from the current price. 33% of them rate it a buy.
When does HIG report earnings?
Hartford is expected to report earnings on October 26, 2026. It has beaten EPS estimates 1 quarters in a row.
How many employees does Hartford have?
Hartford has about 19,200 full-time employees, or $1.5 million of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology