Is Hartford (HIG) overvalued or fairly valued?

MarketChacha shows Hartford's valuation in context — a trailing P/E of about 9.3, a forward P/E of about 10.1, a price-to-book of about 1.9 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Hartford's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.70×) from reported figures — education, not a rating.

What is Hartford's revenue?

Hartford reported revenue of $1.5B for FY2025, with net profit of $3.8B, per official filings.

What is the share price of Hartford (HIG)?

Hartford last traded at $138.54 (-0.3% on the day), as of 8/19/2026 — a delayed quote shown for education, not investment advice.

Hartford

HIG · NYSE · Financials · United States

Snapshot

TickerHIG

ExchangeNYSE

SectorFinancials

IndustryInsurance - Diversified

CountryUnited States

Employees19,200

HeadquartersHartford, United States

Websitewww.thehartford.com

Filings tracked16

About Hartford

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. The company offers insurance coverage, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

Who owns it

Insiders0.3%
Institutions96.5%
Public & other3.1%

1,650 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.11.33%
Vanguard Capital Management LLC6.60%
State Street Corporation5.93%
Vanguard Portfolio Management LLC5.81%
FMR, LLC3.88%
Geode Capital Management, LLC3.04%
Invesco Ltd.2.09%
Dimensional Fund Advisors LP1.77%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.70×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend181.2% → 254.7%

Margin has expanded by about 73.5 points — the business is getting more profitable.

Return on equity20.2%

Latest ROE of 20.2% — capital is generating a healthy return.

Growth qualityrev 4% · PAT 24%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $7.3B · EPS 3.23

Est. earnings growth -20.4%

Next fiscal year

Rev $29.9B · EPS 13.69

Est. earnings growth +7.3%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$1.5B

Net margin

254.7%

ROE

20.2%

Revenue CAGR (2y)

+4.4%

Profit CAGR (2y)

+23.8%

EPS (FY2025)

13.32

Net profit (FY2025)

$3.8B

Ask MarketChacha about HIG

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.5B	$3.8B	13.32	254.7%	20.2%
FY2024	$1.5B	$3.1B	10.35	213.4%	18.9%
FY2023	$1.4B	$2.5B	7.97	181.2%	16.3%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$111.0M	$1.3B	4.68	1169.4%
2026Q1	$392.0M	$856.0M	3.04	218.4%
2025Q3	$386.0M	$1.1B	3.77	279.8%
2025Q2	$110.0M	$995.0M	3.44	904.5%
2025Q1	$366.0M	$630.0M	2.15	172.1%
2024Q3	$369.0M	$767.0M	2.56	207.9%
2024Q2	$364.0M	$738.0M	2.44	202.7%
2024Q1	$352.0M	$753.0M	2.47	213.9%
2023Q4	$6.4B	$771.0M	2.51	12.0%
2023Q3	$351.0M	$651.0M	2.09	185.5%
2023Q2	$352.0M	$547.0M	1.73	155.4%
2023Q1	$338.0M	$535.0M	1.66	158.3%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/23/2026material
10-Q filing
SEC7/23/2026
8-K — Executive/director change
SEC7/15/2026material
8-K — Other events, Exhibits
SEC6/3/2026material
8-K — Shareholder vote results, Exhibits
SEC5/21/2026material
8-K — Results of operations, Exhibits
SEC4/23/2026material
10-Q filing
SEC4/23/2026
10-K filing
SEC2/20/2026
8-K — Results of operations, Exhibits
SEC1/29/2026material

2025

8-K — Exhibits
SEC12/12/2025material
8-K — Results of operations, Exhibits
SEC10/27/2025material
10-Q filing
SEC10/27/2025
8-K — Material agreement, Material financial obligation
SEC9/25/2025material
8-K — Exhibits
SEC8/1/2025material
8-K — Results of operations, Exhibits
SEC7/28/2025material
10-Q filing
SEC7/28/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.