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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Hartford Financial Services Group (HIG)

Financial Services Insurance - Diversified
141.90 $
Closing price · As of: 31. Jul 2026
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Basics

Market Cap
38.4$B
Shares Outstanding
274Mio.
Float
99.5%
Beta
0.5

Performance

Perf. 1M
4.00%
Perf. 3M
1.40%
Perf. 6M
-3.60%
YTD Performance (%)
-3.80%
52-Week-High Distance
-9.8%

Valuation

P/E
10.3
Forward P/E
10.2
PEG
0.1
P/B
2.1
P/S
1.3
EV/EBITDA
0.0
Price/FCF
6.5

Profitability

Gross Margin
38.2%
EBIT Margin
15.3%
Net Margin
14.1%
Return on Equity
22.7%
Return on Assets
3.9%

Balance Sheet & Safety

Equity Ratio
21.9%
Debt/Equity
0.3
Altman Z″
5.71
very solid
Piotroski
9 out of 9

Growth

Sales Growth Last Quarter
6.10%
EPS Growth Last Quarter
41.40%
Sales Growth (Year)
7.10%
Forward Sales Growth
4.29%
Forward EPS Growth
10.10%

Dividend

Dividend Yield
1.74%
Dividend Per Share (TTM)
2.32$
Payout Ratio
16.2%
Years Without a Cut
16Years
Increase Streak
13Years

Quality & Screener

Stage
1
RS Rating
33
EPS Rating
75
very solid
Piotroski
9 out of 9
Fundamental Rating
B (59 out of 100)
Altman Z″
5.71

AI Rating

Uses AI

The Hartford setzt künstliche Intelligenz operativ in Zeichnung, Angebotserstellung und Schadenbearbeitung ein — über das hauseigene Angebotswerkzeug ICON werden nach eigenen Angaben mehr als 75 Prozent der neuen Gewerbepolicen ohne menschliches Zutun quotiert, und „Beschleunigung der KI-Befähigung“ steht als eigener Punkt in der Strategieliste des Geschäftsberichts; KI ist dabei keine Umsatzquelle, sondern Werkzeug, und die im Risikoteil genannte mögliche Nachfragewirkung auf Arbeiterunfall- und Employee-Benefits-Produkte bleibt allgemein gehalten.

View the full file — quotes, sources, reviewed filings
„Through its industry-leading ICON quoting tool, The Hartford quotes over 75% of new business policies from admitted markets without human intervention."

Über sein branchenführendes Angebotswerkzeug ICON quotiert The Hartford mehr als 75 Prozent der neuen Gewerbepolicen aus zugelassenen Märkten ohne menschliches Zutun.

10-K · 2026-02-20 · View SEC filing
„Accelerating artificial intelligence enablement and responsibly leveraging data, analytics, and digital capabilities to deliver smarter, faster outcomes across the businesses;"

Beschleunigung der Befähigung zu künstlicher Intelligenz und verantwortungsvolle Nutzung von Daten, Analytik und digitalen Fähigkeiten, um in allen Geschäftsbereichen klügere und schnellere Ergebnisse zu liefern;

10-K · 2026-02-20 · View SEC filing
„Increased use of advanced analytics (e.g., artificial intelligence) and automation in the workplace could potentially affect the demand for workers' compensation and employee benefits products over time."

Der zunehmende Einsatz fortgeschrittener Analytik (zum Beispiel künstlicher Intelligenz) und von Automatisierung am Arbeitsplatz könnte im Laufe der Zeit die Nachfrage nach Arbeiterunfall- und Employee-Benefits-Produkten beeinflussen.

10-K · 2026-02-20 · View SEC filing

Filings Reviewed: 10-Q 2026-07-23 · 8-K 2026-07-23 · 8-K 2026-07-15 · 8-K 2026-06-03 · 10-Q 2026-04-23 · 10-K 2026-02-20

Rated on July 28, 2026 · How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Sales Per Quarter ($M)
2024: Q4 · 6,800.0 $M Q4 2025: Q1 · 6,810.0 $M Q1 2025: Q2 · 6,716.0 $M Q2 2025: Q3 · 7,232.0 $M Q3 2025: Q4 · 7,312.0 $M Q4 2026: Q1 · 7,226.0 $M Q1 2026: Q2 · 7,263.0 $M Q2
Earnings Per Share Per Quarter ($)
2024: Q4 · 2.87 $ Q4 2025: Q1 · 2.17 $ Q1 2025: Q2 · 3.46 $ Q2 2025: Q3 · 3.79 $ Q3 2025: Q4 · 4.00 $ Q4 2026: Q1 · 3.03 $ Q1 2026: Q2 · 4.68 $ Q2
Net Margin Per Quarter (%)
2024: Q4 · 12.5 % Q4 2025: Q1 · 9.3 % Q1 2025: Q2 · 14.8 % Q2 2025: Q3 · 14.9 % Q3 2025: Q4 · 15.5 % Q4 2026: Q1 · 11.8 % Q1 2026: Q2 · 17.9 % Q2
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 1,874.0 $M Q4 2025: Q1 · 985.0 $M Q1 2025: Q2 · 1,291.0 $M Q2 2025: Q3 · 1,838.0 $M Q3 2025: Q4 · 1,808.0 $M Q4 2026: Q1 · 1,045.0 $M Q1 2026: Q2 · 1,189.0 $M Q2
Free Cash Flow Per Quarter ($M)
2024: Q4 · 1,900.0 $M Q4 2025: Q1 · 947.0 $M Q1 2025: Q2 · 1,251.0 $M Q2 2025: Q3 · 1,793.0 $M Q3 2025: Q4 · 1,762.0 $M Q4 2026: Q1 · 1,014.0 $M Q1 2026: Q2 · 1,304.0 $M Q2
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 7.5 % Q4 2025: Q1 · 6.4 % Q1 2025: Q2 · 3.5 % Q2 2025: Q3 · 7.7 % Q3 2025: Q4 · 7.5 % Q4 2026: Q1 · 6.1 % Q1 2026: Q2 · 8.1 % Q2
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 13.5 % Q4 2025: Q1 · -12.9 % Q1 2025: Q2 · 40.5 % Q2 2025: Q3 · 47.0 % Q3 2025: Q4 · 39.6 % Q4 2026: Q1 · 39.8 % Q1 2026: Q2 · 35.3 % Q2
Price Change in Quarter (%)
2024: Q4 · -6.6 % Q4 2025: Q1 · 13.6 % Q1 2025: Q2 · 3.0 % Q2 2025: Q3 · 5.6 % Q3 2025: Q4 · 3.8 % Q4 2026: Q1 · -1.4 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 2.87 13.50 6,800 7.50 12.50 1,874 1,900
2025: Q1 2.17 -12.90 6,810 6.40 9.30 985 947
2025: Q2 3.46 40.50 6,716 3.50 14.80 1,291 1,251
2025: Q3 3.79 47.00 7,232 7.70 14.90 1,838 1,793
2025: Q4 4.00 39.60 7,312 7.50 15.50 1,808 1,762
2026: Q1 3.03 39.80 7,226 6.10 11.80 1,045 1,014
2026: Q2 4.68 35.30 7,263 8.10 17.90 1,189 1,304
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

The Hartford Insurance Group, Inc. bietet mit ihren Tochtergesellschaften Versicherungs- und Finanzdienstleistungen für Privat- und Geschäftskunden in den USA, dem Vereinigten Königreich und international an.

Employees19,200
HeadquartersHartford, CT
Websitethehartford.com
IPO Date20. Dec 1995
Next Earnings27. Jul 2026

Management

Management
Name Title Birth Year
Christopher Jerome Swift CPA Chairman & CEO 1961
Adin Morris Tooker President 1970
Beth A. Costello CPA Executive VP & CFO 1968
Amy Marie Stepnowski Executive VP & Chief Investment Officer 1969
Donald Christian Hunt J.D. Executive VP & General Counsel 1971
Jeffery Hawkins Chief Data, AI & Operations Officer
Allison Gayle Niderno Senior VP, Controller & Principal Accounting Officer 1980
Shekar Pannala Executive VP & Chief Information Officer 1971
Kate Jorens SVP, Treasurer & Head of Investor Relations
Claire H. Burns Chief Marketing & Customer Officer 1969

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date Person Role Type Shares Price Value
27. Jul 2026 Ruesterholz Virginia P Director Other 1,356 140.14 190,030
27. Jul 2026 Roseborough Teresa Wynn Director Other 1,356 140.14 190,030
27. Jul 2026 Rippert Annette Director Other 1,356 140.14 190,030
27. Jul 2026 De Shon Larry D Director Other 1,356 140.14 190,030
27. Jul 2026 Bartlett Thomas A Director Other 1,356 140.14 190,030
27. Jul 2026 Fetter Trevor Director Other 1,177 140.14 164,945
27. Jul 2026 Fetter Trevor Director Other 1,356 140.14 190,030
27. Jul 2026 Dominguez Carlos Director Other 821 140.14 115,055
27. Jul 2026 Dominguez Carlos Director Other 1,356 140.14 190,030
27. Jul 2026 Winters Kathleen A Director Other 1,356 140.14 190,030

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

View all insider transactions →

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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