# The Hartford Insurance Group Inc. (HIG) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $134.92, market value $36.1 billion.

## Valuation
- **P/E (trailing): 9.0×** (5-yr avg 10.5×, 3-yr avg 10.1×). The Hartford Insurance Group Inc. trades at 9.0× 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 9.9×, 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: 2.4×**. Each dollar of revenue is priced at 2.4×.
- **Price / book: 2.0×**. The shares trade at 2.0× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 11.1%**. The inverse of the P/E: 11.1% 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: 5.4%**. Each dollar of assets produces 5.4% 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: 1.99%** ($2.40 per share, trailing). The Hartford Insurance Group Inc. yields 1.99%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 15%**. 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.
- **Shareholder yield: 7.0%**. Dividends plus net buybacks return 7.0% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (21 analysts). 21 analysts cover The Hartford Insurance Group Inc.; the consensus is buy, with an average price target of $146.86 (+9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 10.6%** (YTD -0.8%, 3-mo -5.2%). The shares are up 10.6% over twelve months including dividends.
- **From 52-week high: -7.6%** (12.0% above the low). Trading 8% 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): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): -0.13** (volatility 20%). Beta of -0.13 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.