Hartford Financial Services Group (HIG)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 141.90 $ — 84% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
Uses AIThe Hartford setzt künstliche Intelligenz operativ in Zeichnung, Angebotserstellung und Schadenbearbeitung ein — über das hauseigene Angebotswerkzeug ICON werden nach eigenen Angaben mehr als 75 Prozent der neuen Gewerbepolicen ohne menschliches Zutun quotiert, und „Beschleunigung der KI-Befähigung“ steht als eigener Punkt in der Strategieliste des Geschäftsberichts; KI ist dabei keine Umsatzquelle, sondern Werkzeug, und die im Risikoteil genannte mögliche Nachfragewirkung auf Arbeiterunfall- und Employee-Benefits-Produkte bleibt allgemein gehalten.
View the full file — quotes, sources, reviewed filings
„Through its industry-leading ICON quoting tool, The Hartford quotes over 75% of new business policies from admitted markets without human intervention."
Über sein branchenführendes Angebotswerkzeug ICON quotiert The Hartford mehr als 75 Prozent der neuen Gewerbepolicen aus zugelassenen Märkten ohne menschliches Zutun.
„Accelerating artificial intelligence enablement and responsibly leveraging data, analytics, and digital capabilities to deliver smarter, faster outcomes across the businesses;"
Beschleunigung der Befähigung zu künstlicher Intelligenz und verantwortungsvolle Nutzung von Daten, Analytik und digitalen Fähigkeiten, um in allen Geschäftsbereichen klügere und schnellere Ergebnisse zu liefern;
„Increased use of advanced analytics (e.g., artificial intelligence) and automation in the workplace could potentially affect the demand for workers' compensation and employee benefits products over time."
Der zunehmende Einsatz fortgeschrittener Analytik (zum Beispiel künstlicher Intelligenz) und von Automatisierung am Arbeitsplatz könnte im Laufe der Zeit die Nachfrage nach Arbeiterunfall- und Employee-Benefits-Produkten beeinflussen.
Filings Reviewed: 10-Q 2026-07-23 · 8-K 2026-07-23 · 8-K 2026-07-15 · 8-K 2026-06-03 · 10-Q 2026-04-23 · 10-K 2026-02-20
Rated on July 28, 2026 · How the Rating Is Built
What the Earnings Calls Reveal
Red flags Some promises brokenTen transcripts from 2024-Q1 through 2026-Q2 show a management team that usually delivers on margin targets and far less often on growth promises. The personal auto turnaround came in ahead of plan, the property premium goal and the six billion dollar small business mark were met, and trailing core ROE rose from 16.6 percent (2024-Q1) to 20.3 percent (2026-Q1). Against that stands a general liability reserve problem declared largely settled in 2024 that returned after five clean quarters in 2026-Q2 with the very same explanation, a policy count growth promise in personal lines that was never delivered, and an expense target whose interim reading in personal insurance moved the wrong way in mid 2026. Answers in the Q&A are open on headline figures but have been evasive on the breakdown of individual result drivers for years.
10 calls reviewed, 2024-Q1 through 2026-Q2 · As of August 2, 2026
Auto turnaround beaten, growth promise missed
On the 2024-Q1 call management promised a 5 to 6 point improvement in the personal auto loss ratio for 2024, target margins from 2025, and policy count growth that would start modestly in 2025 and become meaningful in 2026. The margin half was beaten: 2024-Q4 reported 7.3 points of improvement, by their own words more than a point better than the high end of expectations, 2025-Q2 showed a 95.2 auto underlying combined ratio, and 2025-Q4 confirmed target profitability. The growth half was not delivered. In 2025-Q2 the CEO still explicitly reaffirmed that auto policy count would pivot to growth in 2026; in 2025-Q4 management then openly narrowed the goal to the agency channel, while direct channel growth was described as challenged. In 2026-Q1 and 2026-Q2 auto written premium fell 10 percent year over year each quarter, with total personal insurance down 6 and 7 percent.
Liability reserves: all clear lasted five quarters
After smaller general liability additions in 2024-Q1 (17 million dollars), 2024-Q2 (32 million) and 2024-Q3 (32 million), 2024-Q4 brought a 130 million dollar strengthening with an explicitly changed methodology. The CEO said: 'I feel highly confident that we put a good, if not all, a good chunk of this behind us.' That held for five quarters: 2025-Q1 stressed there were no increases at all in general liability and commercial auto, and 2025-Q2 through 2025-Q4 stayed clean. The 70 million dollars booked in 2026-Q1 do not count against it: per the transcript they related to sexual abuse exposures from the 1970s and 1980s including a provision for a bankruptcy settlement, a different matter from the loss trend gap addressed in 2024. The all clear broke in 2026-Q2: 46 million of general liability in the quarter plus commercial auto, spread across accident years 2017 to 2019 and 2022/23. The reasoning was in substance the same as in 2024: rising attorney representation and time limit demands. Asked whether anything was different this time, the CFO answered: 'No. I would not call out anything being different.'
Employee benefits: strong margin, sales promise missed
In 2024-Q4 management guided to a modest increase in sales for 2025 and said it was off to a solid start. That did not happen: in 2025-Q3 premiums and sales were flat year over year, and in 2025-Q4 the segment head himself conceded sales had been soft in 2025. The cause was an error the CEO openly admitted in 2025-Q2: in hindsight the company had priced group life on too conservative a mortality view and suppressed its own sales. Meanwhile the margin ran persistently above the self imposed 6 to 7 percent range (2024: 8.2 percent, 2025: 8.2 percent). The picture only turned in 2026: sales rose 53 percent in 2026-Q1 while the margin fell to 6.9 percent, and to 7.4 percent in 2026-Q2 with the disability loss ratio up 6.3 points.
AI narrative without hard numbers
Before 2025 artificial intelligence barely featured on these calls. In 2025-Q1 the CEO promised the company would lead the industry's AI implementation and asked investors to stay tuned. The frequency has climbed since: 2025-Q3 named an IT budget of 1.3 billion dollars with just over 500 million of it investment spend, and 2025-Q4 added phrases such as AI-first mindset and game changer plus expense ratio goals of below 30 percent in business insurance and below 25 percent in personal insurance by the end of 2027. None of it is measurable so far: in 2026-Q2 the P&C head said plainly that no KPIs had been disclosed for claims or underwriting and none would be. The expense ratios themselves have not improved so far, at 30.7 versus 30.6 percent in business insurance and 26.3 versus 25.1 percent in personal insurance. On the same call the company attributes the personal insurance increase to lower earned premium and higher commissions from a growing agency mix, and calls the business insurance figure in line with expectations and on track for the year end 2027 targets.
Annual commitment for 2025, none for 2026
In 2024-Q4 the CEO gave a clear annual commitment: the business insurance underlying combined ratio would stay consistent with 87.9 in 2025, while he simultaneously refused any product line reconciliation. 2025 ended at 88.5, and the 0.3 point gap at the half year was brushed aside in 2025-Q2 with the remark that one should not quibble over 30 basis points. For 2026 the same commitment was withheld: in 2025-Q4 he explicitly declined to give specific numbers or ranges. When an analyst called the expense targets guidance in 2026-Q2, he corrected her: 'We are not providing guidance. These are goals... We are not in the guidance game.' That is not a retroactive downgrade, since in 2025-Q4 the targets had only been offered as a personal view in the Q and A ('I could see it getting below 30%'), and on the same 2026-Q2 call the company confirmed it remained on track for its year end 2027 targets. The timing still stands out: the remark came in the quarter in which the personal insurance expense ratio deteriorated and he himself called that target path a substantially higher bar.
What was delivered reliably
Not everything is criticism. The 3 billion dollar property premium goal named in 2024-Q2 and 2024-Q3 was hit exactly according to 2024-Q4, followed by just over 3.3 billion in 2025. The six billion dollar small business mark flagged from 2025-Q1 onwards was reached in 2025 (2025-Q4). The rollout of the Prevail agency product ran ahead of promise: 2025-Q2 pledged 6 states by year end, and the company delivered 10 (2025-Q4), 15 (2026-Q1) and 23 (2026-Q2), putting the roughly 30 states by early 2027 within reach. Capital return also followed the stated path: buybacks of 350 million dollars per quarter (2024-Q1) rising through 400 and 450 to 475 million from 2026-Q3, plus dividend increases of 11 percent (2024-Q3) and 15 percent (2025-Q3).
Management promises
-
2024-Q1 kept
The personal auto loss ratio improves by 5 to 6 points in 2024 and target margins are reached in 2025.
Beaten. 2024-Q4 reported 7.3 points, 2025-Q2 showed 95.2, and 2025-Q4 confirmed target profitability was achieved.
-
2024-Q1 broken
Personal auto policy count grows modestly from 2025 and more meaningfully from 2026.
Not delivered. In 2025-Q4 the goal was narrowed to the agency channel, and in 2026-Q1 and 2026-Q2 auto premium fell 10 percent each quarter.
-
2024-Q3 kept
Commercial property written premium reaches 3 billion dollars in 2024.
Met. 2024-Q4 reported the full year goal as achieved, followed by just over 3.3 billion in 2025.
-
2024-Q4 broken
The general liability reserve issue is largely, if not entirely, behind the company.
Held for five quarters through 2026-Q1; the 70 million dollars booked there related to abuse claims from the 1970s and 1980s, a different matter. Broken in 2026-Q2 with 46 million of general liability plus commercial auto on the same reasoning as in 2024.
-
2024-Q4 broken
Employee benefits sales increase modestly in 2025.
Missed. In 2025-Q3 premiums and sales were flat, and in 2025-Q4 management itself called 2025 sales soft.
-
2024-Q4 kept
The business insurance underlying combined ratio stays consistent with 87.9 in 2025.
Narrowly met. 2025 ended at 88.5, 0.6 points weaker; management actively defended the gap in 2025-Q2 and 2025-Q3 rather than dropping the target.
-
2025-Q2 kept
The Prevail agency offering is live in 6 states by the end of 2025 and in roughly 30 states by early 2027.
Beaten and on track: 10 states in 2025-Q4, 15 in 2026-Q1, 23 in 2026-Q2.
-
2025-Q4 open
The expense ratio falls below 30 percent in business insurance and below 25 percent in personal insurance by the end of 2027, with a visible decline already in 2026.
The deadline runs to the end of 2027, but no decline is visible yet in the first half of 2026: business insurance was flat year over year, personal insurance was unchanged in 2026-Q1 and 1.2 points worse in 2026-Q2. In 2026-Q2 management still holds to the year end 2027 target while calling the personal insurance path a substantially higher bar.
Based on public earnings call transcripts. Reviewed: 10 transcripts 2024-Q1 through 2026-Q2.
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 5.6% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 19
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 12.73 | 12.14 – 13.19 | 28,857 | -5.1% | 18 |
| 12/31/2027 | 13.73 | 13.18 – 14.41 | 29,761 | 7.8% | 23 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 3.05 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 2.87 | 13.50 | 6,800 | 7.50 | 12.50 | 1,874 | 1,900 |
| 2025: Q1 | 2.17 | -12.90 | 6,810 | 6.40 | 9.30 | 985 | 947 |
| 2025: Q2 | 3.46 | 40.50 | 6,716 | 3.50 | 14.80 | 1,291 | 1,251 |
| 2025: Q3 | 3.79 | 47.00 | 7,232 | 7.70 | 14.90 | 1,838 | 1,793 |
| 2025: Q4 | 4.00 | 39.60 | 7,312 | 7.50 | 15.50 | 1,808 | 1,762 |
| 2026: Q1 | 3.03 | 39.80 | 7,226 | 6.10 | 11.80 | 1,045 | 1,014 |
| 2026: Q2 | 4.68 | 35.30 | 7,263 | 8.10 | 17.90 | 1,189 | 1,304 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 16,291 | 447 | 896 | 2.27 | 2,066 | 16,903 | 223,432 |
| 2017 | 17,162 | 723 | -3,131 | -8.45 | 2,186 | 13,494 | 225,260 |
| 2018 | 18,750 | 1,753 | 1,807 | 4.96 | 2,843 | 13,101 | 62,307 |
| 2019 | 20,508 | 2,560 | 2,085 | 5.71 | 3,489 | 16,270 | 70,817 |
| 2020 | 20,320 | 2,120 | 1,737 | 4.82 | 3,871 | 18,556 | 74,111 |
| 2021 | 21,649 | 2,905 | 2,371 | 6.70 | 4,093 | 17,843 | 76,578 |
| 2022 | 21,854 | 2,262 | 1,819 | 5.52 | 4,008 | 13,631 | 73,022 |
| 2023 | 24,330 | 3,088 | 2,504 | 8.04 | 4,220 | 15,327 | 70,096 |
| 2024 | 26,384 | 3,849 | 3,111 | 10.42 | 5,909 | 16,447 | 80,917 |
| 2025 | 28,258 | 4,760 | 3,836 | 13.39 | 5,922 | 18,979 | 85,997 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
The Hartford Insurance Group, Inc. bietet mit ihren Tochtergesellschaften Versicherungs- und Finanzdienstleistungen für Privat- und Geschäftskunden in den USA, dem Vereinigten Königreich und international an.
| Employees | 19,200 |
|---|---|
| Headquarters | Hartford, CT |
| Address | One Hartford Plaza, 06155 Hartford, United States |
| Phone | (860) 547-5000 |
| Website | thehartford.com |
| IPO Date | 20. Dec 1995 |
| ISIN | US4165151048 |
| Stock Split | 2:1 on 07/16/1998 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Christopher Jerome Swift CPA | Chairman & CEO | 1961 |
| Adin Morris Tooker | President | 1970 |
| Beth A. Costello CPA | Executive VP & CFO | 1968 |
| Amy Marie Stepnowski | Executive VP & Chief Investment Officer | 1969 |
| Donald Christian Hunt J.D. | Executive VP & General Counsel | 1971 |
| Jeffery Hawkins | Chief Data, AI & Operations Officer | – |
| Allison Gayle Niderno | Senior VP, Controller & Principal Accounting Officer | 1980 |
| Shekar Pannala | Executive VP & Chief Information Officer | 1971 |
| Kate Jorens | SVP, Treasurer & Head of Investor Relations | – |
| Claire H. Burns | Chief Marketing & Customer Officer | 1969 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 27. Jul 2026 | Ruesterholz Virginia P | Director | Other | 1,356 | 140.14 | 190,030 |
| 27. Jul 2026 | Roseborough Teresa Wynn | Director | Other | 1,356 | 140.14 | 190,030 |
| 27. Jul 2026 | Rippert Annette | Director | Other | 1,356 | 140.14 | 190,030 |
| 27. Jul 2026 | De Shon Larry D | Director | Other | 1,356 | 140.14 | 190,030 |
| 27. Jul 2026 | Bartlett Thomas A | Director | Other | 1,356 | 140.14 | 190,030 |
| 27. Jul 2026 | Fetter Trevor | Director | Other | 1,177 | 140.14 | 164,945 |
| 27. Jul 2026 | Fetter Trevor | Director | Other | 1,356 | 140.14 | 190,030 |
| 27. Jul 2026 | Dominguez Carlos | Director | Other | 821 | 140.14 | 115,055 |
| 27. Jul 2026 | Dominguez Carlos | Director | Other | 1,356 | 140.14 | 190,030 |
| 27. Jul 2026 | Winters Kathleen A | Director | Other | 1,356 | 140.14 | 190,030 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.