The Hartford Insurance Group, Inc. (HIG) is a publicly traded company in the Financial Services — Insurance - Diversified industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds.
Is The Hartford Insurance Group, Inc. stock overvalued or undervalued in 2026?
The Hartford Insurance Group, Inc. (HIG) trades at 8.1× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROE 24.1 % (2.0×) $136 (+2 %); at its peers' median (1.7×) $117 (-12 %).
Kaplio overview: The Hartford Insurance Group, Inc.
Market cap $35B · 52 weeks $122 – $146 (9 % below the high) · P/E 8.1× · 2027 expected P/E 9.7× · Dividend 1.8 % · 11 years rising · Next earnings February 4, 2027 · expected EPS $3.27 · Closing price, Oct 30 · accounts published Oct 26.
- Valuation: P/B 2.0× (justified).
- Business: 5-year op. margin 13.6 % (solid).
- Balance sheet: Debt/Equity 0.23 (solid).
- Earnings: 7 of 8 (on track).
What would it be worth at its usual multiples?
At a P/B justified by its ROE 24.1 % (2.0×) $136 (+2 %); at its peers' median (1.7×) $117 (-12 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in insurance: 4 of 5 pass
- Book Value / Share growth 5.3 %, fails.
- Op Margin 5y (Combined Ratio proxy) 13.6 %, passes.
- Debt / Equity 0.23, passes.
- P/B (Price / Book) 2.0×, passes.
- Dividend growth streak 11 years, passes, near the threshold.
Against its peers (reference peers) — The Hartford Insurance Group, Inc.: P/E 8.1×; P/B 2.0×; ROE 24.1 %; $35.5B. American International Group, Inc. (P/E 15.0×; P/B 1.1×; ROE 7.3 %; $43.4B), Cincinnati Financial Corporation (P/E 10.6×; P/B 1.7×; ROE 16.5 %; $27.8B), W. R. Berkley Corporation (P/E 15.6×; P/B 3.0×; ROE 19.0 %; $27.4B).
Expensive or cheap against its last ten fiscal years?
P/B at each close: today 2.0× · median 1.4× · minimum 0.7× · maximum 2.5× · cheap below 1.3× · expensive above 2.0×. It has been cheaper than today 74% of the time over its last ten fiscal years.
Dividend
solid · Yield 1.8 % ($2.17 per share in 2025) · Years raising it ≥ 11 · 5-year growth +10 % a year · Free cash flow coverage payout 16 % · With $1,000 invested today you'd collect $18.10 a year ($1.51 a month).
Kaplio's reading: The Hartford Insurance Group, Inc.
Updated on October 31, 2026 · accounts published on October 26, 2026
Reading of October 30, 2026: A highly profitable insurer with record margins and a conservative balance sheet
Hartford Insurance trades at 2.0× book with a 24 % ROE over the last 12 months, and its P/E of 8.1× is 38 % below the sector median.
- Is Hartford Insurance expensive or cheap? Its P/E of 8.1× is 38 % below the sector median of 13.0×, and it has traded lower only 10 % of the past decade.
- How is the business doing? The operating margin reached 17 % in fiscal 2025, the highest in 12 years and well above the 2014-2025 average of 11 %.
- How strong is the balance sheet? Debt is 0.23× equity, under the 0.3 prudence line for insurers, and the dividend has risen 11 years in a row.
- What to expect from the next earnings? Analysts expect EPS of $3.27 on February 4, 2027, after beats in 7 of the last 8 quarters.
- Does it underwrite with discipline and build book value? Book value per share grew 5.3 % a year in 2020-2025, short of the 8 % healthy mark, despite a 14 % average operating margin.
Is Hartford Insurance expensive or cheap?
For an insurer, price to book comes first. Hartford Insurance trades at 2.0× book value over the last 12 months, backed by a 24 % return on equity. At that profitability, a multiple up to 2.0× is justified and up to 2.5× is borderline, so the stock sits at the top of the comfortable range. Earnings tell a cheaper story: a P/E of 8.1× over the last 12 months is 34 % below its ten-year median of 12.2× and 38 % below the sector median of 13.0×. The shares are up 9 % over 12 months and sit 9 % below their 52-week high of $145.68.
How is the business doing?
Over the last 12 months revenue grew 7.1 % while EPS rose 29 %, so profits are climbing far faster than the top line. The operating margin of 16 % over the same period stays close to the fiscal 2025 record and well above the 2014-2025 average of 11 %. Net margin is 16 % and return on equity 24 %, both strong figures for an insurer. The open question is durability: margins this far above their long-run average can revert, and a P/E well below the decade median suggests the market is not treating them as permanent.
How strong is the balance sheet?
Debt to equity of 0.23 over the last 12 months keeps Hartford Insurance below the 0.3 level considered prudent for insurers, a comfortable margin of safety. Shareholder returns are steady rather than generous: the dividend yields 1.8 % over the last 12 months, and the company has raised its dividend per share for 11 consecutive fiscal years through 2025, just past the 10-year mark that makes an insurer a dividend aristocrat. With a payout of only 16 % of fiscal 2025 earnings, the dividend takes a small slice of profit and is amply covered.
What to expect from the next earnings?
Hartford Insurance last reported on October 26, 2026, with EPS of $3.50 against $3.17 expected, a 10 % beat and the seventh in the last 8 quarters. For the next report, due February 4, 2027, analysts expect EPS of $3.27, below the latest quarter. Estimates are drifting up: the 2026 EPS consensus rose 1.5 % in the last 30 days, from $12.74 to $12.93 across 13 analysts, while revenue estimates barely moved. Of the 42 analysts covering the company, 22 rate it a buy, 20 a hold and none a sell.
Does it underwrite with discipline and build book value?
Insurers make money in two ways: underwriting policies profitably and investing the float, the premiums held before claims are paid. Buffett built Berkshire on that model, which is why the sector is judged on margins, leverage and book value rather than sales growth. On underwriting, Hartford Insurance passes: its operating margin averaged 14 % over fiscal 2021-2025, above the 10 % healthy threshold. Book value is the weak spot: it grew 5.3 % a year per share between 2020 and 2025, below the 8 % considered healthy. At 2.0× book, investors are paying for a compounding of book value that has so far been moderate.
How this was prepared: the data comes from companies' official filings, collected by a professional provider, and from Kaplio's analysis engine (trailing-12-month ratios, 10 years of history and sector medians computed across US-listed companies). The text is written from that data alone, every figure is checked against it before publication, and it is reviewed when the company reports results. This is not investment advice.
Investor methods verdict
Would Peter Lynch approve Hartford Insurance today?
The Lynch Method approves Hartford Insurance today. Business quality: 100 out of 100 (price not included). Lynch classifies it as a fast grower. Kaplio assessment with data from the week of 2026-10-26; not investment advice.
Profitability
| Return on Equity | 24.13% |
| Return on Invested Capital | 13.09% |
| Return on Assets | 5.29% |
| Gross Margin | 44.20% |
| Operating Margin | 16.13% |
| Net Margin | 15.88% |
Financial Health
| Debt / Equity | 0.23 |
| Current Ratio | 1.12 |
| Piotroski F-Score | 9 |
| Altman Z-Score | 1.40 |
Price Performance
| 1 month | +5.19% |
| 3 months | -7.21% |
| Year-to-date | -3.78% |
| 1 year | +6.77% |
| 3 years | +80.10% |
| 5 years | +82.18% |
| 10 years | +203.06% |
Dividend History
Paid in the last 12 months: $2.4000 per share in 4 payments.
| Date | Amount |
|---|---|
| 2026-12-01 | $0.6700 |
| 2026-09-01 | $0.6000 |
| 2026-06-01 | $0.6000 |
| 2026-03-02 | $0.6000 |
| 2025-12-01 | $0.6000 |
| 2025-09-02 | $0.5200 |
| 2025-06-02 | $0.5200 |
| 2025-03-03 | $0.5200 |
| 2024-12-02 | $0.5200 |
| 2024-09-03 | $0.4700 |
Amounts adjusted for stock splits.
Related companies: AIG · CINF · CB · TRV · ALL · WRB · MKL · CNA
Explore sector: Financial Services · Insurance - Diversified
More sections of HIG: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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