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HIG

NYSE · USD

The Hartford Insurance Group, Inc.

Financial Services · Insurance - Diversified

CEO Christopher J. Swift Employees 19,200 R&D / revenue 0.0%

Live stock page Read the factsheet

Last price

$135.12+1.74%last session

Market cap

$36.6B

P/E (TTM)

8.7x

From 52w high

−7.5%

From 52w low

+12.3%

1-year return

+9.4%

RSI 14 · vs SMA200

62.8 · −0.1%

IS score

61.6/ 100

Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.

Download full factsheet (PDF)

One year, rebased to 100

HIG SPY XLF (sector ETF) · weekly closes

Score DNA

Each bar is a 0-100 score within the scored universe

Profitability

Growth

Value

Momentum

100

Risk (safety)

Quality

Balance sheet

Earnings quality

Flags

Strengths

✓ Piotroski 8+

Warnings

None of the computed warning flags fires for HIG (Altman, Beneish, accruals, FCF, dilution).

Observations

Moat model: Weak, Efficient ScalePiotroski 9 / 9Beta 0.452 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.

INSForm 4 · 180 days

Insider open-market buys

1 open-market sales, $1.2M

No Form 144 notices in 12 months

CONGSTOCK Act · 180 days

Congressional purchases

No disclosed purchases

Members disclose in ranges, 30-45 days after the trade

13F13F · quarter to 2026-06-30

Net change in institutional holders

+10

113 new holders, 91 closed

1,206 filers hold 91.4% · 419 added, 465 trimmed

ETFETF holdings · 30 days

Net funds accumulating

+155

1,249 funds adding shares

1,094 funds trimming · counts of funds, not dollars

DARKFINRA · daily

Short-sale share of off-exchange volume

28.7%

20-day avg 33.3%, 50-day avg 34.5%

Latest 4.6 pp under its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.

Income statement

Revenue$28.3B

Revenue growth YoY+7.1%

Gross margin46.1%

Operating income$4.8B

Operating margin16.8%

Net income$3.8B

Net margin13.6%

EPS (diluted)$13.32

Cash flow

Operating cash flow$5.9B

Capital expenditure$169.0M

Free cash flow$5.8B

FCF conversion (FCF / OCF)97.1%

Stock-based compensation$0

FCF less SBC$5.8B

Buybacks$1.6B

Dividends$613.0M

Balance sheet & returns

Cash & short-term investments$4.5B

Total debt$4.4B

Net cash$115.0M

Shareholders' equity$19.0B

Goodwill & intangibles$2.5B

Debt / equity0.22

ROE (TTM)23.0%

ROIC (TTM)4.6%

Operating margin by fiscal year

Revenue $21.6B (FY2021) to $28.3B (FY2025), a 6.9% CAGR.

Valuation

P/E (TTM)8.7x

EV / EBITDA8.2x

Price / sales1.26x

Price / FCF6.2x

FCF yield16.05%

Buyback yield4.41%

SBC / revenue0.2%

Price / book1.92x

Forward P/E FY202610.5x

Forward P/E FY20279.8x

Forward P/E FY20289.1x

Forward multiples divide today's price by Street EPS estimates. Street mean target $137.00 across 1 analysts last quarter is theirs, not ours.

HIG vs industry median

65 companies in Insurance - Diversified

HIG (TTM)Industry median Asset turnover 0.33 vs industry 0.19 · financial leverage 4.48

Earnings delivery

Next report 2026-10-26 · consensus EPS $3.17

75%

beat rate, 9 of 12 quarters

+10.7%

median EPS surprise

longest beat streak

EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-07-27 to 2026-04-23. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	12m return
HIG The Hartford Insurance Group	$36.6B	8.7x	23.0%	15.0%	+7.1%	+9.4%
ACGL Arch Capital Group Ltd.	$34.6B	7.8x	19.9%	23.6%	+6.5%	+17.4%
AIG American International Group	$42.8B	14.7x	7.2%	13.4%	−3.8%	+7.4%
ATH Athene Holding Ltd.	$19.8B	30.5x	1.2%	18.4%	+69.8%	—
BNT Brookfield Wealth Solutions	$12.2B	76.4x	0.8%	3.4%	−14.9%	−16.4%
AXS AXIS Capital Holdings Limite	$7.3B	6.2x	19.4%	21.9%	+11.6%	+8.1%
WTM White Mountains Insurance Gr	$5.2B	4.9x	22.3%	23.6%	+8.6%	—
ARES Ares Management Corporation	$36.9B	49.0x	15.0%	10.5%	+45.4%	—

12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

No 8-K filings on file.

Context

Shares outstanding270,872,002

Free float99.6%

Institutional ownership91.4%

Beta0.45

Dividend yield1.78%

Last dividend$0.60 on 2026-09-01

50 / 200-day average$133.94 / $135.47

Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where HIG sits among 14 scored companies in Insurance - Diversified (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.

Valuation Profitability (TTM)Returns on capital Growth Margin history & stability Liquidity (latest quarter)Leverage & solvency (latest quarter)Efficiency Cash flow & earnings quality Dividends & buybacks Scores & forensic checks Per share Size (TTM)

Valuation

Measure	HIG	Industry median	Industry percentile	Sector median
P/E (TTM)	8.4x	10.0x	38th	11.9x
PEG (P/E ÷ 3-yr EPS CAGR)	0.25	0.20	83rd	1.04
Price / sales	1.3x	1.8x	31st	2.5x
Price / book	1.9x	1.4x	92nd	1.3x
Price / tangible book	2.1x	1.4x	85th	1.6x
Price / free cash flow	n/a
Price / operating cash flow	n/a
Enterprise value	n/a
EV / sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / free cash flow	n/a
Earnings yield	11.9%	10.0%	62nd	7.9%
FCF yield	n/a
Operating cash flow yield	n/a
Graham number (per share)	$155.38	$144.40	62nd	$50.71

Profitability (TTM)

Measure	HIG	Industry median	Industry percentile	Sector median
Gross margin	n/a
EBITDA margin	n/a
Operating margin	15.2%	18.0%	31st	23.3%
EBIT margin	15.7%	21.2%	31st	23.3%
Net margin	15.0%	21.6%	31st	18.7%
NOPAT margin	12.3%	15.6%	31st	18.7%
FCF margin	n/a
Operating cash flow margin	n/a
R&D / revenue	0.0%	0.0%	0th	0.0%
SG&A / revenue	6.5%	7.9%	20th	20.1%
Stock comp / revenue	0.2%	0.5%	38th	0.7%
Effective tax rate	19.4%	17.8%	62nd	21.0%

Returns on capital

Measure	HIG	Industry median	Industry percentile	Sector median
ROE (on average equity)	23.5%	17.8%	100th	11.9%
ROA	5.1%	5.4%	46th	1.4%
ROIC	n/a
ROCE	n/a
Return on tangible assets	5.3%	6.0%	46th	2.0%
Cash ROIC (OCF / invested capital)	n/a
Gross profitability (GP / assets)	n/a
ROIC, 3-yr average	n/a
ROIC, 5-yr average	n/a
ROE, 5-yr average	17.7%	10.3%	67th	10.7%
Incremental ROIC	n/a

Growth

Measure	HIG	Industry median	Industry percentile	Sector median
Revenue growth (TTM YoY)	6.5%	6.5%	50th	7.1%
Revenue growth (QoQ)	0.5%	6.6%	0th	2.8%
Revenue CAGR, 3 yr	7.7%	7.7%	50th	10.8%
Revenue CAGR, 5 yr	6.6%	7.2%	45th	11.3%
Gross profit CAGR, 3 yr	n/a
Operating income CAGR, 3 yr	21.1%	21.1%	50th	8.8%
Net income growth (TTM YoY)	34.5%	12.2%	58th	24.7%
Net income CAGR, 3 yr	29.5%	-0.3%	58th	9.4%
EPS growth (TTM YoY)	36.9%	21.2%	75th	25.1%
EPS CAGR, 3 yr	34.0%	1.3%	58th	7.3%
EPS CAGR, 5 yr	20.8%	16.9%	55th	4.2%
FCF growth (TTM YoY)	n/a
FCF CAGR, 3 yr	n/a
Operating cash flow CAGR, 3 yr	n/a
Book value CAGR, 3 yr	15.4%	13.1%	75th	8.9%
Dividend CAGR, 3 yr	6.4%	4.9%	62nd	1.9%
Sustainable growth rate	20.0%	14.5%	85th	8.3%

Margin history & stability

Measure	HIG	Industry median	Industry percentile	Sector median
Gross margin, 3-yr average	n/a
Operating margin, 3-yr average	14.8%	18.7%	33rd	21.4%
Net margin, 3-yr average	12.8%	18.3%	33rd	16.5%
FCF margin, 3-yr average	n/a
Revenue stability (0-1)	0.98	0.90	100th	0.86
Earnings stability (0-1)	0.81	0.62	92nd	0.37
Margin stability (0-1)	0.29	0.69	8th	0.81

Liquidity (latest quarter)

Measure	HIG	Industry median	Industry percentile	Sector median
Cash & short-term investments	n/a
Net cash (− = net debt)	n/a
Working capital	n/a
Current ratio	n/a
Quick ratio	n/a
Cash ratio (cash + ST investments / current liabilities)	n/a
Defensive interval (days)	n/a

Leverage & solvency (latest quarter)

Measure	HIG	Industry median	Industry percentile	Sector median
Total debt	n/a
Debt / equity	n/a
Net debt / equity	n/a
Debt / assets	n/a
Debt / capital	n/a
Debt / EBITDA	n/a
Net debt / EBITDA	n/a
Interest coverage (EBIT / interest)	n/a
Cash interest coverage	n/a
Debt payback (years of OCF)	n/a
Liabilities / assets	77.7%	71.8%	69th	86.2%
IS credit model rating	AAA	—		—
Implied credit spread (bps)	50	72	0th	175

Efficiency

Measure	HIG	Industry median	Industry percentile	Sector median
Asset turnover	n/a
Fixed asset turnover	n/a
Inventory turnover	n/a
Receivables turnover	n/a
Days sales outstanding	n/a
Days inventory outstanding	n/a
Days payables outstanding	n/a
Cash conversion cycle (days)	n/a
Capex / revenue	n/a
Capex / depreciation	n/a
Operating expense ratio	n/a

Cash flow & earnings quality

Measure	HIG	Industry median	Industry percentile	Sector median
Operating cash flow / net income	n/a
FCF / net income	n/a
FCF / operating cash flow	n/a
Capex / operating cash flow	n/a
Accruals ratio	n/a
Sloan accruals ratio	n/a
Earnings quality score (0-1)	n/a

Dividends & buybacks

Measure	HIG	Industry median	Industry percentile	Sector median
Dividend yield	1.8%	0.0%	77th	2.3%
Dividend per share (TTM)	$2.40	$0.13	92nd	$1.03
Payout ratio (dividends / net income)	14.8%	1.0%	69th	30.0%
Dividends / FCF	n/a
Dividend growth (YoY)	10.5%	5.2%	67th	6.4%
Buyback yield	0.3%	4.7%	8th	1.7%
Shareholder yield (dividends + buybacks)	2.0%	8.0%	31st	5.2%
Share count change (YoY)	-1.8%	-6.5%	75th	-0.3%
Buybacks, last 5 years	$3.4B	$1.3B	62nd	$85.3M

Scores & forensic checks

Measure	HIG	Industry median	Industry percentile	Sector median
IS score	62	58	85th	53
IS profitability	54	54	38th	59
IS growth	63	49	75th	57
IS value	85	83	54th	77
IS momentum	89	77	83rd	76
IS risk (safety)	100	100	23rd	65
IS quality	84	73	69th	71
IS balance sheet	66	74	8th	51
IS earnings quality	72	72	69th	74
IS cash flow	80	78	62nd	71
Piotroski F-score (0-9)	9	6	100th	6
Altman Z-score	—
Beneish M-score	—
Ohlson O-score	−7.41	−7.16	33rd	−6.00
IS credit score	96	91	77th	68

Per share

Measure	HIG	Industry median	Industry percentile	Sector median
EPS, diluted (TTM)	$15.45	$13.45	69th	$3.36
Book value per share	$69.47	$69.18	54th	$28.13
Tangible book per share	$62.78	$66.63	31st	$21.49
Revenue per share	$102.74	$55.04	69th	$17.62
FCF per share	n/a
Operating cash flow per share	n/a
Cash per share	n/a

Size (TTM)

Measure	HIG	Industry median	Industry percentile	Sector median
Market cap	$36.6B	$34.1B	69th	$2.5B
Revenue	$29.0B	$19.2B	77th	$1.0B
EBITDA	$5.0B	$5.0B	54th	$269.3M
Net income	$4.4B	$3.4B	62nd	$168.0M
Free cash flow	n/a
Total assets	$88.0B	$86.3B	62nd	$8.5B
Shareholders' equity	$19.6B	$21.8B	46th	$1.5B
Employees	19,200	8,000	69th	1,392

Insider transactions, last 6 months

Form 4 · most recent 12

Date	Insider	Type	Shares	Price	Value	Owned after
2026-08-07	Swift Christopher Director, Chairman and CEO	Gift	35,088	—	—	41,569
2026-07-27	Ruesterholz Virginia P Director	Award / grant	1,356	$140.14	$190,000	17,097
2026-07-27	Roseborough Teresa Wynn Director	Award / grant	1,356	$140.14	$190,000	1,356
2026-07-27	Rippert Annette Director	Award / grant	1,356	$140.14	$190,000	4,526
2026-07-27	De Shon Larry D Director	Award / grant	1,356	$140.14	$190,000	1,356
2026-07-27	Bartlett Thomas A Director	Award / grant	1,356	$140.14	$190,000	1,356
2026-07-27	Fetter Trevor Director	Award / grant	1,356	$140.14	$190,000	61,537
2026-07-27	Fetter Trevor Director	Award / grant	1,177	$140.14	$165,000	62,714
2026-07-27	Dominguez Carlos Director	Award / grant	1,356	$140.14	$190,000	16,068
2026-07-27	Dominguez Carlos Director	Award / grant	821	$140.14	$115,000	16,889
2026-07-27	Winters Kathleen A Director	Award / grant	1,356	$140.14	$190,000	4,692
2026-07-27	James Donna Director	Award / grant	1,356	$140.14	$190,000	11,885

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types

By transaction type, 6 months

Type	Direction	Filings	Shares	Value
Award / grant	Acquired	12	15,556	$2.2M
Gift	Disposed	1	35,088	—
Open-market sale	Disposed	1	8,895	$1.2M
Option exercise	Acquired	1	8,895	$435,944
Option exercise	Disposed	1	8,895	$435,944
Tax withholding	Disposed	1	7,074	$960,720
—	Disposed	2	0	—

Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

Filed	Filer	Shares proposed	Est. proceeds
None on file.

A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 3 trades (0 purchases) · Senate 0 (0 purchases)

Traded	Member	Chamber	Type	Amount	Disclosed
2025-10-27	Ro Khanna	House	Sale	$1,001 - $15,000	2025-11-14
2025-10-27	Ro Khanna	House	Sale	$1,001 - $15,000	2025-11-14
2025-10-24	Ro Khanna	House	Sale	$1,001 - $15,000	2025-11-14
2025-09-26	Ro Khanna	House	Sale	$1,001 - $15,000	2025-10-03
2020-04-14	Kelly Loeffler	Senate	Sale (Full)	$100,001 - $250,000	2020-05-01
2020-04-14	Kelly Loeffler	Senate	Sale (Full)	$100,001 - $250,000	2020-05-01
2020-04-14	Kelly Loeffler	Senate	Sale (Full)	$100,001 - $250,000	2020-04-30
2020-04-14	Kelly Loeffler	Senate	Sale (Full)	$100,001 - $250,000	2020-04-30

STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed

Manager	Shares	Value	% of shares out
BlackRock, Inc.	30,690,101	$4.1B	11.33%
VANGUARD CAPITAL MANAGEMENT LLC	17,884,756	$2.4B	6.60%
STATE STREET CORP	16,070,450	$2.1B	5.93%
VANGUARD PORTFOLIO MANAGEMENT LLC	15,733,919	$2.1B	5.81%
FMR LLC	10,504,786	$1.4B	3.88%
GEODE CAPITAL MANAGEMENT, LLC	8,241,043	$1.1B	3.04%
Invesco Ltd.	5,667,341	$751.0M	2.09%
DIMENSIONAL FUND ADVISORS LP	4,787,638	$634.5M	1.77%
NORDEA INVESTMENT MANAGEMENT AB	4,541,062	$605.7M	1.68%
NORGES BANK	4,379,119	$580.3M	1.62%
FIRST TRUST ADVISORS LP	3,822,362	$506.5M	1.41%
FRANKLIN RESOURCES INC	3,525,156	$467.2M	1.30%
MASSACHUSETTS FINANCIAL SERVICES CO /MA/	2,856,115	$384.6M	1.05%
JPMORGAN CHASE & CO	2,850,112	$380.5M	1.05%
LSV ASSET MANAGEMENT	2,801,407	$371.2M	1.03%

Institutional ownership by quarter

% of shares held by 13F filers

Number of 13F filers holding

Holder changes by quarter

Quarter	Holders	Ownership	New	Increased	Reduced	Closed
2026-06-30	1,206	91.4%	113	419	465	91
2026-03-31	1,196	90.0%	124	468	381	92
2025-12-31	1,188	92.4%	165	463	362	89
2025-09-30	1,131	91.2%	112	406	385	76
2025-06-30	1,113	93.3%	122	433	362	64
2025-03-31	1,068	95.1%	137	363	392	92
2024-12-31	1,042	96.0%	131	383	355	89
2024-09-30	1,016	95.5%	145	348	344	55
2024-06-30	933	97.3%	89	338	335	68
2024-03-31	928	98.3%	149	288	341	72
2023-12-31	860	100.1%	134	294	298	47
2023-09-30	781	100.2%	66	294	270	50

Schedule 13D / 13G filers

Filed	Form	Filer	% of class	Shares
None on file.

Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETF	Weight in fund	Holding value
VITSX	0.05%	$1.1B
VTSAX	0.05%	$1.1B
VSMPX	0.05%	$1.1B
VTI	0.05%	$1.1B
VOO	0.05%	$870.4M
VFINX	0.05%	$870.4M

Share structure

Shares outstanding270,872,002

Float269,874,108

Free float99.6%

Income statement

Fiscal years, USD

	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$21.6B	$21.9B	$24.3B	$26.4B	$28.3B
Cost of revenue	$19.2B	$19.8B	$21.2B	$22.4B	$15.2B
Gross profit	$2.5B	$2.1B	$3.2B	$4.0B	$13.0B
R&D	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0
Operating income	$2.9B	$2.3B	$3.1B	$3.8B	$4.8B
EBITDA	$3.6B	$2.9B	$3.6B	$4.2B	$5.4B
Pretax income	$2.9B	$2.3B	$3.1B	$3.8B	$4.8B
Income tax	$534.0M	$443.0M	$584.0M	$738.0M	$924.0M
Net income	$2.4B	$1.8B	$2.5B	$3.1B	$3.8B
EPS, diluted	$6.62	$5.44	$7.97	$10.35	$13.32
Diluted shares	354.1M	329.5M	311.5M	298.6M	286.5M

Balance sheet

	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & short-term investments	$46.7B	$4.1B	$126.0M	$4.3B	$4.5B
Receivables	$11.0B	$11.9B	$12.7B	$6.0B	$6.3B
Inventory	$0	$0	$0	$0	$0
Total current assets	$0	$52.2B	$11.6B	$10.2B	$10.8B
PP&E, net	$1.0B	$927.0M	$896.0M	$888.0M	$931.0M
Goodwill & intangibles	$2.8B	$2.7B	$2.6B	$2.5B	$2.5B
Total assets	$76.6B	$73.0B	$70.1B	$80.9B	$86.0B
Accounts payable	$0	$658.0M	$0	$614.0M	$612.0M
Total current liabilities	$0	$2.1B	$35.2B	$614.0M	$612.0M
Long-term debt	$4.9B	$4.4B	$4.4B	$4.4B	$4.4B
Total liabilities	$58.7B	$59.4B	$54.8B	$64.5B	$67.0B
Shareholders' equity	$17.8B	$13.6B	$15.3B	$16.4B	$19.0B

Cash flow statement

Outflows are negative

	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	$2.4B	$1.8B	$2.5B	$3.1B	$3.8B
Depreciation & amortization	$680.0M	$625.0M	$510.0M	$356.0M	$396.0M
Stock-based compensation	$0	$0	$0	$0	$0
Change in working capital	$1.7B	$934.0M	$920.0M	$2.2B	$1.5B
Operating cash flow	$4.1B	$4.0B	$4.2B	$5.9B	$5.9B
Capital expenditure	−$133.0M	−$175.0M	−$215.0M	−$145.0M	−$169.0M
Free cash flow	$4.0B	$3.8B	$4.0B	$5.8B	$5.8B
Investing cash flow	−$2.4B	−$1.3B	−$2.4B	−$3.8B	−$3.8B
Net debt issued / repaid	$588.0M	−$600.0M	$0	$0	$0
Buybacks	−$1.7B	−$1.6B	−$1.4B	−$1.5B	−$1.6B
Dividends paid	−$506.0M	−$527.0M	−$549.0M	−$577.0M	−$613.0M

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end

	FY2021	FY2022	FY2023	FY2024	FY2025
Gross margin	9.8%	9.4%	13.0%	15.0%	32.2%
Operating margin	13.6%	10.3%	12.7%	14.6%	16.8%
Net margin	11.1%	8.3%	10.3%	11.8%	13.6%
FCF margin	18.6%	17.5%	16.5%	21.8%	20.3%
ROE	13.0%	11.5%	17.3%	19.6%	21.7%
ROIC	-9.9%	13.1%	12.8%	18.8%	20.3%
ROA	3.1%	2.4%	3.5%	4.1%	4.6%
Debt / equity	0.28	0.32	0.28	0.27	0.23
Interest coverage	12.4x	10.9x	15.5x	19.3x	24.4x
Current ratio	—	24.79	0.33	16.69	17.65
Revenue growth	+4.2%	+2.7%	+11.3%	+8.4%	+7.3%
EPS growth	+42.8%	−18.0%	+45.8%	+27.4%	+29.8%
P/E at year end	9.3x	12.7x	9.5x	10.3x	10.2x
EV / EBITDA at year end	n/m	7.9x	7.8x	7.6x	7.4x
FCF yield at year end	18.03%	16.60%	16.91%	18.01%	14.77%
Dividend payout	21.4%	29.0%	21.9%	18.5%	16.0%

Street estimates by fiscal year

Next report 2026-10-26 · consensus EPS $3.17 · these are analysts' numbers, not ours

Fiscal year	Revenue (mean)	Revenue range	EPS (mean)	EPS range	Analysts	P/E on mean EPS
2026	$28.9B	$28.9B – $29.0B	$12.82	$12.39 – $13.31	13	10.5x
2027	$30.1B	$30.0B – $30.3B	$13.78	$13.41 – $14.31	15	9.8x
2028	$31.2B	$31.1B – $31.3B	$14.85	$14.06 – $15.40	3	9.1x

Reported vs expected, every quarter on file

Reported	EPS expected	EPS actual	EPS surprise	Revenue expected	Revenue actual	Revenue surprise
2026-04-23	$3.39	$3.09	−8.8%	$7.3B	$7.2B	−1.7%
2026-01-29	$3.17	$4.06	+28.1%	$7.3B	$7.3B	+0.6%
2025-10-27	$3.09	$3.78	+22.3%	$7.2B	$7.1B	−0.3%
2025-07-28	$2.83	$3.41	+20.5%	$7.0B	$7.0B	−0.8%
2025-04-24	$2.15	$2.20	+2.3%	$6.8B	$6.8B	−0.5%
2025-01-30	$2.68	$2.94	+9.7%	$6.6B	$6.8B	+2.8%
2024-10-24	$2.54	$2.53	−0.4%	$6.7B	$6.7B	+0.5%
2024-07-25	$2.24	$2.50	+11.6%	$6.6B	$6.5B	−1.3%
2024-04-25	$2.45	$2.34	−4.5%	$6.5B	$6.4B	−1.5%
2024-02-01	$2.44	$3.06	+25.4%	$6.4B	$6.4B	+0.6%
2023-10-26	$1.98	$2.29	+15.7%	$6.2B	$6.2B	−0.0%
2023-07-27	$1.85	$1.88	+1.6%	$6.0B	$6.0B	−0.5%
2023-04-27	$1.72	$1.68	−2.3%	$5.9B	$5.9B	+0.6%
2023-02-02	$1.87	$2.31	+23.5%	$5.7B	$6.0B	+4.8%
2022-10-27	$1.29	$1.44	+11.6%	$5.5B	$5.6B	+0.9%
2022-07-28	$1.52	$2.15	+41.4%	$5.5B	$5.2B	−5.6%
2022-04-28	$1.54	$1.66	+7.8%	$5.6B	$5.4B	−3.2%
2022-02-03	$1.52	$2.02	+32.9%	$5.3B	$6.0B	+14.1%
2021-10-28	$0.86	$1.26	+46.5%	$5.3B	$5.7B	+8.2%
2021-07-28	$1.34	$2.33	+73.9%	$5.0B	$5.6B	+12.6%
2021-04-22	$0.62	$0.56	−9.7%	$5.2B	$5.3B	+2.3%
2021-02-04	$1.33	$1.76	+32.3%	$3.5B	$5.3B	+53.6%
2020-10-29	$0.90	$1.46	+62.2%	$4.8B	$5.2B	+7.0%
2020-07-30	$1.22	$1.22	0.0%	$5.1B	$5.1B	0.0%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)

Week of	Notional	Shares	Trades
2026-08-31	$165.8M	1,198,419	41,430
2026-08-24	$145.2M	1,047,173	40,792
2026-08-17	$181.0M	1,313,850	47,465
2026-08-10	$198.9M	1,427,731	46,463
2026-08-03	$271.8M	1,903,561	57,576
2026-07-27	$341.6M	2,393,857	69,387

Short-sale share of off-exchange volume

daily 20-day average

Date	Short share	Short volume	Total volume
2026-10-15	28.7%	184,087	640,665
2026-10-14	45.4%	231,785	510,756
2026-10-13	35.9%	195,864	545,905
2026-10-12	40.9%	157,832	385,960
2026-10-09	45.2%	201,174	445,544
2026-10-08	38.0%	194,292	511,786
2026-10-07	33.0%	174,962	529,573
2026-10-06	33.8%	164,285	485,853
2026-10-05	22.7%	168,768	741,876
2026-10-02	28.5%	161,926	568,342

A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month

Month	Avg return	Up years	Years
Jan	−0.5%	60%	20
Feb	−2.1%	65%	20
Mar	+4.2%	67%	21
Apr	+3.6%	55%	20
May	+1.4%	60%	20
Jun	−1.9%	40%	20
Jul	+1.8%	45%	20
Aug	+1.9%	60%	20
Sep	+0.2%	70%	20
Oct	−0.4%	65%	20
Nov	+0.3%	55%	20
Dec	+8.1%	60%	20

History, not a forecast.

Indicators

as of 2026-10-16

RSI 1462.8

MFI88.9

ADX29.7

Stochastic %K / %D94.8 / 94.8

Williams %R-1.1

CCI160

TSI / signal-3.1 / -18.4

Chaikin money flow-0.11

ATR$2.38

Bollinger width9.7%

Volume vs 20-day avg0.58x

SupertrendUp

Moving averages and bands

level (price vs level)

SMA 20$128.09 (+5.5%)

SMA 50$133.63 (+1.1%)

SMA 200$135.28 (−0.1%)

EMA 21$130.41 (+3.6%)

EMA 50$132.43 (+2.0%)

EMA 200$133.58 (+1.2%)

Bollinger upper$134.27 (+0.6%)

Bollinger lower$121.90 (+10.8%)

Parabolic SAR$127.76 (+5.8%)

Open the live chart, 110+ indicators

About The Hartford Insurance Group, Inc.

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 workersâ 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.

https://www.thehartford.com

Key executives

Name	Title	Pay	Born
Christopher Jerome Swift	Chairman & Chief Executive Officer	$7.7M	1961
Adin Morris Tooker	President & Director	$3.9M	1970
Beth A. Costello	Executive VP & CFO	$3.8M	1968
Amy Marie Stepnowski	Executive Vice President & Chief Investment Officer	$2.7M	1969
Donald Christian Hunt	Executive Vice President & General Counsel	$2.1M	1971
Allison Niderno	Senior Vice President, Controller & Principal Accounting Officer	—	1980
Claire H. Burns	Chief Marketing & Customer Officer	—	1969
Jeffery Hawkins	Chief Data, AI & Operations Officer	—	—

Executive pay, latest proxy

Executive	Year	Salary	Stock awards	Incentive	Total
Liam McGee Former Chairman, President and Chief Executive Officer	2014	$1.1M	$15.4M	$3.3M	$33.5M
Christopher Swift Chairman and Chief Executive Officer	2014	$912,500	$1.1M	$2.1M	$5.4M
Douglas Elliot President	2014	$825,000	$1.0M	$1.8M	$4.7M
Robert Rupp Executive Vice President and Chief Risk Officer	2014	$600,000	$712,110	$1.6M	$3.7M
Brion Johnson Chief Investment Officer and President, HIMCO and Talcott Resolution	2014	$458,333	$559,515	$1.4M	$3.1M
Beth Bombara Executive Vice President and Chief Financial Officer	2014	$560,000	$508,650	$1.4M	$3.0M

Employees

Dividends

Ex-date	Amount	Paid
2026-09-01	$0.6	2026-10-02
2026-06-01	$0.6	2026-07-02
2026-03-02	$0.6	2026-04-02
2025-12-01	$0.6	2026-01-05
2025-09-02	$0.52	2025-10-02
2025-06-02	$0.52	2025-07-02
2025-03-03	$0.52	2025-04-02
2024-12-02	$0.52	2025-01-03

Moat model

Weak · Efficient Scale · 2026-06-30

Cost advantage46

Intangibles43

Switching costs60

Network effect55

Efficient scale75

Our component scores (0-100) and overall 54.5; a model of the business, not a call on the stock.

InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

HIG

One year, rebased to 100

Score DNA

Flags

Smart-money strip

Key financials · FY2025

Valuation

HIG vs industry median

Earnings delivery

Peers

Recent 8-K filings

Context

Full factsheet

All fundamentals · 140 measures in 13 categories

Valuation

Profitability (TTM)

Returns on capital

Growth

Margin history & stability

Liquidity (latest quarter)

Leverage & solvency (latest quarter)

Efficiency

Cash flow & earnings quality

Dividends & buybacks

Scores & forensic checks

Per share

Size (TTM)

Insider transactions, last 6 months

Shares acquired vs disposed, by month

By transaction type, 6 months

Form 144 notices

Congress trades

Largest 13F holders

Institutional ownership by quarter

Holder changes by quarter

Schedule 13D / 13G filers

ETFs with the largest holding

Share structure

Income statement

Balance sheet

Cash flow statement

Ratio history

Street estimates by fiscal year

Reported vs expected, every quarter on file

Off-exchange (dark pool) volume, weekly

Short-sale share of off-exchange volume

Seasonality

Indicators

Moving averages and bands

About The Hartford Insurance Group, Inc.

Key executives

Executive pay, latest proxy

Employees

Dividends

Moat model

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