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HARTFORD INSURANCE GROUP, INC. HIG

NYSE · stock · Fire, Marine & Casualty Insurance · website · IPO 1985-12-09

HARTFORD INSURANCE GROUP, INC. statistics & valuation

Market cap$36.7B
P / E9.6×
P / S1.3×
P / B1.9×
P / FCF6.4×
Dividend yield1.61%
Net margin13.5%
Return on equity20.2%
FCF margin20.3%
Net debt$4.4B
Enterprise value USD$41.1B
Graham number +2.5%$140.90

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($140.90); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
5.50% -18.20% 9.50% 10.10% 8.50% 10.60% 8.10% 10.20% 11.70% 13.50% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
5.30% -23.20% 13.80% 12.80% 9.40% 13.30% 13.30% 16.30% 18.90% 20.20% 2016201720182019202020212022202320242025
Shares outstanding
394.8M 363.7M 364.1M 364.9M 360.6M 354.1M 329.5M 311.5M 298.6M 286.5M 2016201720182019202020212022202320242025
Net debt ($)
$4.49B $4.68B $4.26B $4.35B $4.35B $4.94B $4.36B $4.36B $4.37B $4.37B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.40% -1.40% 2.90% 2.90% 2.30% 3.10% 2.50% 3.30% 3.80% 4.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
11.30% 11.30% 14.40% 16.30% 18.30% 17.70% 17.10% 16.30% 21.70% 20.30% 2016201720182019202020212022202320242025
Debt / equity (×)
0.27× 0.35× 0.33× 0.27× 0.23× 0.28× 0.32× 0.28× 0.27× 0.23× 2016201720182019202020212022202320242025
EPS ($)
$2.27 -$8.61 $4.95 $5.66 $4.76 $6.64 $5.46 $7.97 $10.35 $13.32 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

HARTFORD INSURANCE GROUP, INC. trades at about 10.3× earnings — near its 10-year norm (10-year range 9.5×–21.5×, median 10.8×).

9.5× 21.5×

Shaded band = 10-year range (9.5×–21.5×); dot = today's 10.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin13.5%11.7%10.2%8.1%10.6%8.5%10.1%9.5%-18.2%5.5%
FCF margin20.3%21.7%16.3%17.1%17.7%18.3%16.3%14.4%11.3%11.3%
Return on assets4.5%3.8%3.3%2.5%3.1%2.3%2.9%2.9%-1.4%0.4%
Return on equity20.2%18.9%16.3%13.3%13.3%9.4%12.8%13.8%-23.2%5.3%
Debt / equity0.23×0.27×0.28×0.32×0.28×0.23×0.27×0.33×0.35×0.27×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.