NYSE: HIG
The Hartford Insurance Group, Inc.
Financial Services · Insurance - Diversified
After hours: $140.14(0%) · as of 5:14 PM ET
Market Cap
$38.42B
52w High
$144.50
52w Low
$120.33
P/E
9.07
Volume
2.06M
Outstanding Shares
274.13M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 15.59% over the last year. Revenue grew 6.31% over the trailing twelve months. Operating margin moved from 14.85% to 15.21%. Free cash flow grew 2.75% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/FCF range (65th percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 15.21% — continued expansion would be needed to justify the premium. Revenue growth of 6.31% is encouraging, but any deceleration puts the stretched multiple at risk. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Company profile
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.
Valuation
Stock splits
Every 1 shares became 2
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
23
Buy
19
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 26, 2026
Q4 FY26 · EPS est $3.06 · Revenue est $7.33B
View
Dividends
$2.40/shareQuarterlyDividend Achiever · 16yrSafeHIG pays a dividend with a 1.71% declared yield, 16 consecutive years of growth, growing at 11.78% annually, covered 9.4× by free cash flow.
Declared Yield
1.71%
Annual Div / Share
$2.40
TTM $2.32
5yr CAGR
+11.78%
Doubles every ~6.2yr
Payout Ratio
11.02%
Safe
Dividend Growth Rate
3yr CAGR
+12.18%
5yr CAGR
+11.78%
10yr CAGR
+11.07%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$1/mo
In 5 yrs
$2/mo
In 10 yrs
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$17/yr $1/mo | $30/yr+75% $2/mo | $52/yr+205% $4/mo |
Yield-on-cost grows from 1.71% → 5.22% over 10yr
Analysis
Dividend Strengths
Dividend Achiever
HIG has raised its dividend for 16 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 9.4× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 11.78% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.