# The Hartford Insurance Group Inc. (HIG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $138.37, market value $37.5 billion.

## Valuation
- **P/E (trailing): 9.6×** (5-yr avg 10.5×, 3-yr avg 10.1×). The Hartford Insurance Group Inc. trades at 9.6× trailing earnings, close to its own five-year average of 10.5×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.1×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.35**. A PEG of 0.35 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.4×**. Each dollar of revenue is priced at 4.4×.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 15.1%** (5-yr avg 16.7%). Free cash flow equals 15.1% of the market value, in line with its five-year average of 16.7%. Above 5% is generally attractive.
- **Earnings yield: 10.5%**. The inverse of the P/E: 10.5% of the price is earned each year.

## Profitability
- **Net margin: 254.7%**. 254.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 20.2%**. 20.2% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 5.1%**. Each dollar of assets produces 5.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.3%** (3-yr 1.9%/yr, 5-yr 2.1%/yr). Revenue grew 3.3% over the last year, against 2.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 28.7%** (3-yr 34.6%/yr, 5-yr 22.9%/yr). Earnings per share rose 28.7%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 14.5%/yr**. Free cash flow has compounded at 14.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.73%** ($2.32 per share, trailing). The Hartford Insurance Group Inc. yields 1.73%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 15%** (11% of free cash flow). 15% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 10.7%/yr** (1-yr 11.9%). The dividend has compounded at 10.7% a year over five years, doubling roughly every 7 years at that pace.

## Price and momentum
- **Total return (1 yr): 4.1%** (YTD 1.3%, 3-mo 4.7%). The shares are up 4.1% over twelve months including dividends.
- **From 52-week high: -5.3%** (15.0% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 49**. An RSI of 49 is neutral.
- **Beta (1 yr): -0.05** (volatility 19%). Beta of -0.05 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HIG · Page: https://foliofundamentals.com/stocks/hig

Not investment advice.