Reading the tape
NYSE: HIG
The Hartford Financial Services Group, Inc.
Financial Services · Insurance - Diversified
Market Cap
$36.18B
52w High
$144.50
52w Low
$119.61
P/E
9.04
Volume
781.15K
Outstanding Shares
274.13M
Price vs Fundamentals
Why The Stock Is Moving
Mixed / unclearLow confidence
1Y Price: 2.97%Revenue (TTM): 7.33%FCF (TTM): 2.75%P/FCF: 48th pct
What changed
The stock rose 2.97% over the last year. Revenue grew 7.33% over the trailing twelve months. Operating margin moved from 13.89% to 17.51%. Free cash flow grew 2.75% over the trailing twelve months.
What the market seems to be pricing
The stock has moved higher against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 17.51%. A decisive move in revenue — currently up 7.33% — would be the clearest signal to resolve the ambiguity.
Company profile
The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally.
CEOChristopher Jerome Swift
SectorFinancial Services
IndustryInsurance - Diversified
Employees19,100
IPO dateDec 15, 1995
Valuation
Forward P/E—
EV/EBITDA8.06
Enterprise value$43.15B
Price / Book1.91
Stock splits
Jul 16, 1998↑ Forward
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.
Revenue growth6.11%
Gross margin47.02%▲206.21%vs FY2024
Operating margin17.51%▲15.47%vs FY2024
ROE20.21%▲6.85%vs FY2024
Analyst consensus
RatingBuy
Target price$152.00▲15.16%
24
Buy
18
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
Jul 27, 2026
Q3 FY26 · EPS est $3.31 · Revenue est $7.39B
View
Dividends
$2.24/shareQuarterlyDividend Achiever · 16yrSafeHIG pays a dividend with a 1.7% dividend yield, 16 consecutive years of growth, growing at 11.07% annually, covered 9.4× by free cash flow.
Dividend Yield
1.7%
Annual Div / Share
$2.24
5yr CAGR
+11.07%
Doubles every ~6.6yr
Payout Ratio
15.51%
Safe
Dividend Growth Rate
3yr CAGR
+11.41%
5yr CAGR
+11.07%
10yr CAGR
+10.71%
Dividend Safety
10/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2025$2.24+13.1%
2024$1.98+10.6%
2023$1.79+10.5%
2022$1.62+10.2%
2021$1.47+10.9%
2020$1.32+8.2%
2019$1.23+6.5%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$17/yr
$1/mo
In 5 yrs
$29/yr+69%
$2/mo
In 10 yrs
$49/yr+186%
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$17/yr $1/mo | $29/yr+69% $2/mo | $49/yr+186% $4/mo |
Yield-on-cost grows from 1.7% → 4.85% 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 11.07% 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.