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HIG 
Hartford Financial Services Group (HIG)
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Upturn Advisory Summary
01/09/2026: HIG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $145.55
1 Year Target Price $145.55
| 4 | Strong Buy |
| 6 | Buy |
| 9 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.81% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 38.00B USD | Price to earnings Ratio 11.15 | 1Y Target Price 145.55 |
Price to earnings Ratio 11.15 | 1Y Target Price 145.55 | ||
Volume (30-day avg) 19 | Beta 0.61 | 52 Weeks Range 103.80 - 140.50 | Updated Date 01/9/2026 |
52 Weeks Range 103.80 - 140.50 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 1.51% | 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 - | When - | Estimate - | Actual - |
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 11.15 | Forward PE 10.12 | Enterprise Value 43017139269 | Price to Sales(TTM) 1.36 |
Enterprise Value 43017139269 | Price to Sales(TTM) 1.36 | ||
Enterprise Value to Revenue 1.55 | Enterprise Value to EBITDA - | Shares Outstanding 278900292 | Shares Floating 277282119 |
Shares Outstanding 278900292 | Shares Floating 277282119 | ||
Percent Insiders 0.32 | Percent Institutions 94.72 |
Upturn AI SWOT
Hartford Financial Services Group
Company Overview
History and Background
The Hartford Financial Services Group, Inc. (The Hartford) was founded in 1810 by a group of individuals seeking to provide fire insurance for buildings in Hartford, Connecticut. Over its more than two centuries of operation, The Hartford has evolved into a leading provider of insurance and financial services. Key milestones include its expansion into various insurance lines, including life insurance, annuities, and property & casualty insurance, as well as its strategic divestitures and acquisitions to refine its business focus.
Core Business Areas
- Property and Casualty (P&C) Insurance: Offers a range of personal and commercial insurance products, including auto, homeowners, dwelling fire, and commercial multi-risk policies. This segment serves both individual consumers and businesses.
- Group Benefits: Provides employee benefits solutions, including group life, disability, and accident insurance, as well as absence management services. This segment focuses on serving employers and their workforce.
- Retirement Services: Offers a variety of retirement savings products and services for individuals and businesses, including defined contribution plans (e.g., 401(k)s) and individual retirement accounts (IRAs). This segment helps individuals plan for their future.
Leadership and Structure
The Hartford is led by a Board of Directors and an executive management team. The CEO is Timothy J. Noonan. The company is structured around its core business segments, with dedicated leadership overseeing each area to drive strategy and execution.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for businesses that use vehicles for their operations. Competitors include Travelers, Chubb, and Progressive. Market share data is proprietary and not publicly disclosed at this granular level, but The Hartford is a significant player in the commercial P&C market.
- Group Life Insurance: Offers life insurance coverage to employees through their employers. Key competitors in the group benefits space include MetLife, Prudential, and Unum. The Hartford holds a notable market share in the group life insurance sector.
- Small Business Insurance Packages: Bundles of insurance coverages designed for small businesses, often including general liability, property, and workers' compensation. Competitors include Chubb, CNA, and The Travelers Companies. The Hartford is a strong provider in this segment.
- Fixed Annuities: Provides guaranteed income streams for retirement. Competitors include global insurance companies and financial institutions like MassMutual and New York Life. The Hartford is a significant provider of annuities.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and subject to various economic, regulatory, and technological influences. Key trends include digital transformation, increasing customer expectations for personalized experiences, the rise of insurtech, and evolving risk landscapes (e.g., cyber risk, climate change). The P&C market is influenced by economic cycles and natural disasters, while the group benefits and retirement services markets are shaped by employment trends and demographic shifts.
Positioning
The Hartford is positioned as a leading provider of insurance and financial services, particularly strong in commercial lines, group benefits, and retirement solutions. Its competitive advantages include a long-standing reputation, a diversified product portfolio, a broad distribution network, and a focus on customer service. It leverages its scale and expertise to serve both individuals and businesses.
Total Addressable Market (TAM)
The TAM for the insurance and financial services industry is vast, encompassing billions of dollars globally and trillions in the US alone across property & casualty, life, health, and retirement products. The Hartford operates within several significant segments of this TAM. Its positioning is that of a major incumbent player with established market share across its core offerings, aiming to capture a substantial portion of its addressable market through its established customer base and product innovation.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and long-standing reputation.
- Diversified business model across P&C, Group Benefits, and Retirement.
- Established distribution channels and strong relationships with agents and brokers.
- Solid financial strength and capital reserves.
- Focus on customer experience and digital innovation.
Weaknesses
- Dependence on interest rates for some investment income and annuity products.
- Potential for exposure to significant catastrophe losses.
- Competition from agile insurtech startups and larger diversified financial institutions.
- Historical challenges in certain business lines requiring strategic adjustments.
Opportunities
- Growth in the small and middle-market commercial insurance sector.
- Expansion of digital capabilities and customer self-service options.
- Leveraging data analytics for improved underwriting and customer insights.
- Demand for retirement solutions driven by an aging population.
- Potential for strategic acquisitions to enhance market position or enter new segments.
Threats
- Increasingly severe and frequent natural catastrophes.
- Evolving regulatory landscape and compliance costs.
- Cybersecurity threats and data breaches.
- Economic downturns impacting consumer and business spending.
- Intensifying competition and pricing pressures.
Competitors and Market Share
Key Competitors
- Travelers Companies (TRV)
- Chubb Limited (CB)
- Progressive Corporation (PGR)
- MetLife, Inc. (MET)
- Prudential Financial, Inc. (PRU)
- Unum Group (UNM)
Competitive Landscape
The Hartford faces intense competition from large, well-established insurance and financial services companies, as well as increasingly agile insurtech firms. Its advantages lie in its diversified offerings, established customer base, and strong brand. However, it must continually innovate and adapt to evolving market demands and technological advancements to maintain its competitive edge.
Major Acquisitions
TalentReef
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired to enhance its digital capabilities in talent management and onboarding for its small commercial clients, improving the value proposition for these businesses.
The Navigators Group, Inc.
- Year: 2019
- Acquisition Price (USD millions): 2050
- Strategic Rationale: Strengthened The Hartford's specialty insurance business, expanding its reach in high-growth niche markets and enhancing its commercial P&C capabilities.
Growth Trajectory and Initiatives
Historical Growth: The Hartford has experienced steady revenue growth driven by organic expansion within its core segments and strategic portfolio management. Its focus on commercial lines and group benefits has been a key driver.
Future Projections: Analysts generally project continued moderate growth for The Hartford, supported by its strong market positions, ongoing product innovation, and effective operational management. Growth is expected to be driven by the property & casualty market, the expanding group benefits sector, and stable retirement services.
Recent Initiatives: Continued investment in digital transformation to enhance customer experience and operational efficiency.,Strategic focus on profitable growth in its core commercial P&C and Group Benefits segments.,Divestitures of non-core assets to sharpen strategic focus.,Expansion of its retirement solutions offerings to meet evolving consumer needs.
Summary
The Hartford Financial Services Group is a well-established and financially sound insurance and financial services provider with a diversified business model. Its strengths lie in its brand, market presence in key segments like commercial P&C and group benefits, and a history of dividend payments. However, it operates in a highly competitive landscape and faces ongoing challenges from economic volatility, evolving regulations, and technological disruption. Continued investment in digital transformation and strategic focus on profitable growth will be crucial for its sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- The Hartford Financial Services Group official investor relations website
- SEC Filings (10-K, 10-Q)
- Reputable financial news outlets (e.g., Wall Street Journal, Bloomberg)
- Industry analysis reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Market share data is estimated and may vary. Financial metrics are based on publicly available information and may be subject to revision. Past performance is not indicative of future results. Investors should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
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 - Diversified | 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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