Hartford Insurance (HIG) Stock Analysis

November 11, 2026

This is a peer-relative look at Hartford Insurance (HIG): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Hartford Insurance (HIG)
Profile Item	HIG
Name	The Hartford Insurance Group, Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Insurance
GICS Industry	Insurance
GICS Sub-Industry	Multi-line Insurance
Market Capitalization	35.83 billion USD
Currency	USD
Exchange	NYSE
Listing Date	December 15, 1995
Security Type	Common Stock

Price Performance

Cumulative Growth

HIG

GSPC

Hartford Insurance (HIG) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

Trailing total returns for Hartford Insurance (HIG) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for Hartford Insurance (HIG) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
Total Return (1Y)	5.95%	13.21%
Total Return (3Y, Annualized)	24.69%	16.41%
Total Return (5Y, Annualized)	15.57%	10.37%

Risk Profile

Drawdown History

HIG

GSPC

Hartford Insurance (HIG) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…

Distribution of monthly total returns for Hartford Insurance (HIG) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
Volatility (1Y, Annualized)	20.18%	28.84%
Beta (5Y)	0.46	0.50
Max Drawdown (5Y)	-18.63%	-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. HIG is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
Sharpe Ratio (1Y)	0.08	0.28
Sortino Ratio (1Y)	0.12	0.41

Profitability

ROE (TTM)

Hartford Insurance (HIG) posts ROE of 23.25%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

HIG

Insurance industry group

23.25%

Group distribution

Max: 41.68%
HIG: 23.25%
Q3: 22.04%
Median: 14.81%
Q1: 8.79%
Min: -10.66%

Largest peers

PGR: 33.24%
TRV: 27.50%
MRSH: 27.24%
HIG: 23.25%
CB: 14.25%
MFC: 12.24%
AJG: 7.21%

Where Hartford Insurance (HIG) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Hartford Insurance (HIG) keeps 15.58% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

HIG

Insurance industry group

15.58%

Group distribution

Max: 29.92%
Q3: 17.03%
HIG: 15.58%
Median: 10.97%
Q1: 6.21%
Min: -4.68%

Largest peers

MFC: 18.97%
CB: 18.13%
TRV: 17.03%
HIG: 15.58%
MRSH: 14.20%
PGR: 12.67%
AJG: 10.78%

Where Hartford Insurance (HIG) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Hartford Insurance (HIG) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
ROE (TTM)	23.25%	14.81%
ROA (TTM)	4.09%	2.72%
Net Margin (TTM)	15.58%	10.97%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Hartford Insurance (HIG) grew revenue 6.39%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Hartford Insurance (HIG): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Hartford Insurance (HIG) grew earnings per share 28.70%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Hartford Insurance (HIG): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
Revenue Growth (YoY)	6.39%	7.89%
Revenue Growth (3Y CAGR)	8.70%	11.40%
EPS Growth (YoY)	28.70%	21.77%
EPS Growth (3Y CAGR)	34.78%	18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Hartford Insurance (HIG) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Hartford Insurance (HIG) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Hartford Insurance (HIG) has dividend yield of 1.75%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

HIG

Insurance industry group

1.75%

Group distribution

Max: 5.12%
Q3: 2.15%
HIG: 1.75%
Median: 0.98%
Q1: 0.00%
Min: 0.00%

Largest peers

MFC: 4.32%
MRSH: 1.80%
HIG: 1.75%
TRV: 1.17%
CB: 1.07%
AJG: 0.95%
PGR: 0.17%

Where Hartford Insurance (HIG) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Hartford Insurance (HIG) has payout ratio of 15.48%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

HIG

Insurance industry group

15.48%

Group distribution

Max: 76.67%
Q3: 35.18%
HIG: 15.48%
Median: 14.74%
Q1: 0.00%
Min: 0.00%

Largest peers

PGR: 70.03%
MFC: 54.30%
MRSH: 44.14%
AJG: 41.98%
HIG: 15.48%
CB: 13.95%
TRV: 12.36%

Where Hartford Insurance (HIG) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
Dividend Yield (TTM)	1.75%	0.98%
Dividend Payout Ratio (TTM)	15.48%	14.74%

Valuation

P/E Ratio (TTM)

Hartford Insurance (HIG) trades at P/E ratio of 8.97, in the cheaper earnings-multiple quartile for its industry. Investors are paying less for each dollar of TTM earnings than they usually pay for comparable businesses.

HIG

Insurance industry group

8.97

Group distribution

Max: 28.37
Q3: 18.75
Median: 12.23
Q1: 9.08
HIG: 8.97
Min: 2.32

Largest peers

AJG: 42.99
MRSH: 24.50
MFC: 17.23
CB: 12.79
PGR: 11.47
TRV: 10.39
HIG: 8.97

Where Hartford Insurance (HIG) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Hartford Insurance (HIG) trades at 1.21 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

HIG

Insurance industry group

1.21

Group distribution

Max: 4.03
Q3: 2.25
Median: 1.23
HIG: 1.21
Q1: 0.85
Min: 0.07

Largest peers

AJG: 4.58
MRSH: 3.42
CB: 2.25
MFC: 2.11
TRV: 1.66
PGR: 1.44
HIG: 1.21

Where Hartford Insurance (HIG) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Hartford Insurance (HIG) trades at 1.94 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

HIG

Insurance industry group

1.94

Group distribution

Max: 5.07
Q3: 2.79
HIG: 1.94
Median: 1.76
Q1: 1.23
Min: 0.30

Largest peers

MRSH: 6.64
PGR: 3.82
AJG: 3.00
TRV: 2.79
MFC: 2.13
HIG: 1.94
CB: 1.91

Where Hartford Insurance (HIG) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Hartford Insurance (HIG) metric values compared with Insurance industry-group medians
Metric	Current stock: HIG	Industry group median
P/E Ratio (TTM)	8.97	12.23
P/S Ratio (TTM)	1.21	1.23
P/B Ratio (MRQ)	1.94	1.76
Free Cash Flow Yield (TTM)	--	--