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Upturn AI SWOT - About
HIG 
Hartford Financial Services Group (HIG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/30/2025: HIG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $141.94
1 Year Target Price $141.94
| 4 | Strong Buy |
| 6 | Buy |
| 9 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.69% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 34.52B USD | Price to earnings Ratio 10.1 | 1Y Target Price 141.94 |
Price to earnings Ratio 10.1 | 1Y Target Price 141.94 | ||
Volume (30-day avg) 19 | Beta 0.68 | 52 Weeks Range 103.64 - 135.17 | Updated Date 10/30/2025 |
52 Weeks Range 103.64 - 135.17 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 1.70% | Basic EPS (TTM) 12.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 3.04 | Actual 3.78 |
Profitability
Profit Margin 12.75% | Operating Margin (TTM) 18.92% |
Management Effectiveness
Return on Assets (TTM) 3.48% | Return on Equity (TTM) 20.07% |
Valuation
Trailing PE 10.1 | Forward PE 9.76 | Enterprise Value 41915959948 | Price to Sales(TTM) 1.24 |
Enterprise Value 41915959948 | Price to Sales(TTM) 1.24 | ||
Enterprise Value to Revenue 1.54 | Enterprise Value to EBITDA - | Shares Outstanding 279600000 | Shares Floating 277231962 |
Shares Outstanding 279600000 | Shares Floating 277231962 | ||
Percent Insiders 0.34 | Percent Institutions 95.48 |
Upturn AI SWOT
Hartford Financial Services Group
Company Overview
History and Background
The Hartford Financial Services Group, Inc., was founded in 1810 as the Hartford Fire Insurance Company. It has evolved from a fire insurer to a diversified financial services company, undergoing strategic shifts including exiting life insurance businesses to focus on property and casualty insurance.
Core Business Areas
- Commercial Lines: Provides property and casualty insurance products and services to businesses, including workers' compensation, general liability, commercial auto, and property insurance.
- Personal Lines: Offers automobile, homeowners, and umbrella insurance products to individuals and families.
- Hartford Funds: Provides investment products and services through a variety of mutual funds and exchange-traded funds (ETFs).
Leadership and Structure
The Hartford is led by Christopher Swift as Chairman and CEO. The organizational structure includes various business segments, each headed by executive leaders, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Protects businesses from financial losses due to damage or loss of property. The Hartford holds a significant market share within the small business segment. Competitors include Travelers, Chubb, and Liberty Mutual.
- Market Share (%): 5.4
- Market Share (%): 7.5
- Workers' Compensation Insurance: Provides coverage for employees who suffer job-related injuries or illnesses. The Hartford is a major player in this market. Competitors include Travelers, Chubb, and Liberty Mutual.
- Market Share (%): 1
- Personal Auto Insurance: Provides coverage for individuals and families for auto accidents. Competitors include State Farm, Geico, and Progressive
- Market Share (%): 1.1
- Personal Home Insurance: Provides coverage for individuals and families for home owner perils. Competitors include State Farm, Geico, and Progressive
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to economic cycles, regulatory changes, and catastrophic events. The industry is experiencing increased digitalization and growing demand for specialized insurance products.
Positioning
The Hartford focuses on underwriting discipline, risk management, and providing tailored solutions to specific customer segments. Its competitive advantages include strong brand recognition and distribution networks.
Total Addressable Market (TAM)
The total addressable market for the P&C insurance industry is estimated to be in the hundreds of billions of dollars annually. The Hartford is positioned to capture a share of this market through its diversified product offerings and customer focus.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Diversified product portfolio
- Established distribution network
- Strong underwriting discipline
- Solid capital position
Weaknesses
- Exposure to catastrophic events
- Vulnerability to economic downturns
- Dependence on interest rates
- Complexity of regulatory environment
Opportunities
- Expansion into new markets
- Development of innovative insurance products
- Increased digitalization
- Growth in emerging markets
- Strategic acquisitions
Threats
- Increased competition
- Changing customer preferences
- Regulatory changes
- Cybersecurity risks
- Climate change impacts
Competitors and Market Share
Key Competitors
- Travelers (TRV)
- Chubb (CB)
- American International Group (AIG)
- Allstate (ALL)
- Progressive (PGR)
Competitive Landscape
The Hartford competes effectively with its peers through its strong brand, diversified product portfolio, and focus on customer service. Its underwriting discipline and risk management capabilities provide a competitive advantage.
Major Acquisitions
Navigators Group
- Year: 2019
- Acquisition Price (USD millions): 2100
- Strategic Rationale: Expanded The Hartford's specialty lines capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: The Hartford has demonstrated steady growth in revenue and earnings over the past several years, driven by disciplined underwriting and strategic initiatives.
Future Projections: Analysts project continued growth in revenue and earnings, driven by favorable market conditions and the company's strategic focus on its core businesses.
Recent Initiatives: Recent initiatives include expanding its digital capabilities, enhancing its product offerings, and pursuing strategic acquisitions.
Summary
The Hartford Financial Services Group shows signs of financial stability with steady revenue and robust profit growth. Strategic acquisitions have boosted their capabilities, and they are positioned well. Competition remains fierce, and navigating economic uncertainties will be crucial.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10K reports)
- Industry reports
- Analyst estimates
- Market share data from credible financial sources
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice and should not be used as the basis for investment decisions. Market share estimates are approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hartford Financial Services Group
Exchange NYSE | Headquaters Hartford, CT, United States | ||
IPO Launch date 1995-12-20 | Chairman & CEO Mr. Christopher Jerome Swift CPA | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 19100 | Website https://www.thehartford.com |
Full time employees 19100 | Website https://www.thehartford.com | ||
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. Its Business Insurance segment offers insurance coverages, 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's Personal Insurance segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channels and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Employee Benefits segment 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; and leave management solution. This segment also distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment 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 groups, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The Hartford Insurance Group, Inc. was founded in 1810 and is headquartered in Hartford, Connecticut.
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