Hartford Financial Services Group Inc.

Hartford Financial Services Group Inc.

HIG

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Market Cap$38.9B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Hartford Financial Services Group Inc.Hartford Financial Services Group Inc.9.11.63%22%1.40.2

Earnings Call Q2 2026

July 24, 2026 - AI Summary

Solid Q2 fundamentals + strong profitability/ROE - Core earnings: $945m ($3.42/share), trailing 12-mo ROE: 18.7%. - Business insurance: written premium +5%; underlying combined ratio 89.3. - Personal insurance: underlying combined ratio 86.3; agency growth remained strong, but overall written premium declined (see next bullet). - Employee benefits: core earnings margin 7.4% with solid fully insured premium growth; net investment income remained strong.
Underwriting execution: good momentum, but property and liability volatility exists - Business insurance pricing: renewal pricing excluding workers’ comp ~5.8%; commercial auto & general liability above loss trend; umbrella/excess had some of the highest rate increases. - Small business: written premium +7% with underlying combined ratio 86.5 (driven by package + ENS; citing automation/digital quoting strength). - Middle & large: written premium +4% with underlying combined ratio 95.3; included elevated non-cat property losses (a few large fires) and mix shift (national accounts + commercial auto). - Global specialty: written premium +4%, underlying combined ratio ~85.8 (increase vs prior year from higher international loss ratio and higher expense ratio tied to technology costs).
Personal lines: profitability holding up, growth challenged by competition (especially Direct) - Personal insurance written premium: -7% overall (auto -10%, home flat growth). - Agency growth: +7% YoY (stronger retention/renewals; effective policy count retention stable-to-improved). - Pricing: renewal written pricing auto +5.5%, home +10.4% (earned pricing still exceeding loss trend). - Competitive market: Management acknowledged elevated competition impacting new business growth, particularly in Direct; headwinds expected into 2027, while agency rollout is progressing.

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$151.33

Target Price by Analysts

6.6% upsideHartford Financial Services Group Target Price DetailsTarget Price
$415.04

Current Fair Value

192.5% upside

Undervalued by 192.5% based on the discounted cash flow analysis.

Share Statistics

Market cap$38.90 Billion
Enterprise Value$43.15 Billion
Dividend Yield$2.32 (1.63%)
Earnings per Share$13.51
Beta0.47
Outstanding Shares278,300,000

Return

Return on Equity22.23%ROE
Return on Assets4.96%
Return on Invested Capital3.24%

Valuation & Multiples

P/E Ratio9.09P/E Ratio
PEG29.85PEG
Price to Sales1.36Price to Sales
Price to Book Ratio2.03Price to Book Ratio
Enterprise Value to Revenue1.49
Enterprise Value to EBIT15.25
Enterprise Value to Net Income9
Total Debt to Enterprise0.1
Debt to Equity0.22Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 27, 2026
EPS Estimate
$3.24
Average shareholder expectation
Revenue Estimate
$7.31 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 26, 2026
EPS Estimate
$3.06
Average shareholder expectation
Revenue Estimate
$7.27 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 23.59%
Total Calls-▼ 100.00%
Total Puts-▼ 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %4.22%▼ 85.79%
Total Invested$1.55B▼ 95.42%
Investors Holding468▼ 733.00%

ESG Score

No data

About Hartford Financial Services Group Inc.

18,500 employees
CEO: Christopher Swift

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the official analysis and 'scoring' for all tax legislation, which is critical for a financial services company like HIG, impacting its operational costs, investment returns, and product offerings.

Finance

This powerful committee controls taxation, trade, and entitlement spending. Tax policy directly impacts HIG's profitability, investment strategies, and the attractiveness of its financial products. Entitlement spending also significantly affects the financial planning landscape for its clients.

Health, Education, Labor, and Pensions

The committee's explicit jurisdiction over 'Pensions' is highly relevant. It influences labor laws that impact employer-sponsored plans and health policies that affect insurance products and healthcare costs for beneficiaries.

Banking, Housing, and Urban Affairs

This committee directly regulates the broader financial system, including financial stability and oversight of entities like the SEC and HUD. While insurance is state-regulated, federal financial oversight influences the entire sector, including pension funds and insurance companies.