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Upturn AI SWOT - About
HIG 
Hartford Financial Services Group (HIG)
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Upturn Advisory Summary
09/12/2025: HIG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $138.83
1 Year Target Price $138.83
| 4 | Strong Buy |
| 6 | Buy |
| 9 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.98% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 37.26B USD | Price to earnings Ratio 12.04 | 1Y Target Price 138.83 |
Price to earnings Ratio 12.04 | 1Y Target Price 138.83 | ||
Volume (30-day avg) 19 | Beta 0.72 | 52 Weeks Range 103.64 - 135.17 | Updated Date 09/14/2025 |
52 Weeks Range 103.64 - 135.17 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 1.52% | Basic EPS (TTM) 11.01 |
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 11.83% | Operating Margin (TTM) 18.55% |
Management Effectiveness
Return on Assets (TTM) 3.28% | Return on Equity (TTM) 19.55% |
Valuation
Trailing PE 12.04 | Forward PE 9.72 | Enterprise Value 41797867853 | Price to Sales(TTM) 1.36 |
Enterprise Value 41797867853 | Price to Sales(TTM) 1.36 | ||
Enterprise Value to Revenue 1.53 | Enterprise Value to EBITDA - | Shares Outstanding 281172000 | Shares Floating 279757363 |
Shares Outstanding 281172000 | Shares Floating 279757363 | ||
Percent Insiders 0.34 | Percent Institutions 94.52 |
Upturn AI SWOT
Hartford Financial Services Group
Company Overview
History and Background
The Hartford Financial Services Group, Inc., founded in 1810, initially focused on fire insurance. Over time, it expanded into various insurance and financial services, experiencing periods of growth, acquisitions, and divestitures, including selling its life insurance business to Prudential in 2012 to focus on property-casualty and group benefits.
Core Business Areas
- Commercial Lines: Provides property and casualty insurance products to businesses, including small business, middle market, and large accounts.
- Personal Lines: Offers automobile and homeowners insurance to individuals.
- Group Benefits: Provides a suite of employee benefits products, including group life, disability, and voluntary benefits.
Leadership and Structure
Christopher Swift serves as the Chairman and CEO. The organizational structure is typical of a large insurance corporation, with distinct business units reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Property and Casualty Insurance: Provides coverage for property damage, liability, and other risks faced by businesses. Market share fluctuates, but The Hartford is a significant player in the US commercial lines market. Competitors include Travelers, Chubb, and AIG.
- Workers' Compensation Insurance: Offers coverage for employee injuries and illnesses sustained on the job. The Hartford is among the top providers of workers' compensation insurance. Competitors include Liberty Mutual, and Berkshire Hathaway GUARD.
- Group Disability Insurance: Provides income replacement benefits to employees who are unable to work due to disability. Market share in group disability varies. Competitors include Unum, MetLife and Principal.
Market Dynamics
Industry Overview
The insurance industry is characterized by intense competition, evolving regulatory landscapes, and increasing technological disruption. Factors such as interest rates, catastrophe losses, and economic conditions significantly impact insurers' profitability.
Positioning
The Hartford is a leading provider of property-casualty insurance and group benefits, with a strong focus on small business and middle-market clients. Its competitive advantages include its brand reputation, distribution network, and underwriting expertise.
Total Addressable Market (TAM)
The US property and casualty insurance market is estimated at hundreds of billions of dollars annually. The Hartford is positioned to capture a significant portion of this TAM through its diversified product offerings and strong distribution network.
Upturn SWOT Analysis
Strengths
- Strong Brand Reputation
- Established Distribution Network
- Underwriting Expertise
- Diversified Product Offerings
- Strong Financial Position
Weaknesses
- Exposure to Catastrophe Losses
- Sensitivity to Interest Rate Fluctuations
- Reliance on Independent Agents
- Legacy IT Systems
Opportunities
- Expanding into Emerging Markets
- Developing Innovative Insurance Products
- Leveraging Technology to Improve Efficiency
- Acquiring Smaller Insurance Companies
- Capitalizing on Growing Demand for Cyber Insurance
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturn
- Rising Claims Costs
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- Travelers (TRV)
- Chubb (CB)
- American International Group (AIG)
- Progressive (PGR)
- Allstate (ALL)
Competitive Landscape
The Hartford competes with other large national and regional insurers. Its advantages include its strong brand, distribution network, and focus on small business and middle-market clients. Disadvantages include its exposure to catastrophe losses and sensitivity to interest rate fluctuations.
Major Acquisitions
Y-Risk
- Year: 2017
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired to enhance its offerings in the sharing economy and technology sector.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not included as of the last training data for this LLM.
Future Projections: Future projections data is not included as of the last training data for this LLM.
Recent Initiatives: Recent initiatives data is not included as of the last training data for this LLM.
Summary
Hartford Financial Services Group shows stability with a strong brand and established distribution. While their exposure to catastrophe losses presents a risk, strategic opportunities in emerging markets and technology offer potential growth. Strong financials and focus on its core businesses allow them to compete, but regulatory changes and increasing competition require constant vigilance. Continued innovation will allow growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data is approximate and may vary by source. Financial data and projections are based on available information and are subject to change.
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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