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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
07/29/2025: HIG (2-star) is currently NOT-A-BUY. Pass it for now.
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 $136.19
1 Year Target Price $136.19
| 4 | Strong Buy |
| 6 | Buy |
| 9 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.98% | 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 07/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 34.44B USD | Price to earnings Ratio 12.09 | 1Y Target Price 136.19 |
Price to earnings Ratio 12.09 | 1Y Target Price 136.19 | ||
Volume (30-day avg) 19 | Beta 0.69 | 52 Weeks Range 102.24 - 131.56 | Updated Date 07/28/2025 |
52 Weeks Range 102.24 - 131.56 | Updated Date 07/28/2025 | ||
Dividends yield (FY) 1.61% | Basic EPS (TTM) 10.03 |
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 2025-07-23 | When After Market | Estimate 2.82 | Actual 3.41 |
Profitability
Profit Margin 11.09% | Operating Margin (TTM) 12.22% |
Management Effectiveness
Return on Assets (TTM) 3.08% | Return on Equity (TTM) 18.5% |
Valuation
Trailing PE 12.09 | Forward PE 10.76 | Enterprise Value 39608103323 | Price to Sales(TTM) 1.28 |
Enterprise Value 39608103323 | Price to Sales(TTM) 1.28 | ||
Enterprise Value to Revenue 1.48 | Enterprise Value to EBITDA - | Shares Outstanding 284103008 | Shares Floating 282489281 |
Shares Outstanding 284103008 | Shares Floating 282489281 | ||
Percent Insiders 0.33 | Percent Institutions 95.36 |
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 diversified into other insurance lines, including life, casualty, and group benefits. It has undergone several strategic shifts, including exiting life insurance and focusing on its core P&C and group benefits businesses.
Core Business Areas
- Commercial Lines: Provides property and casualty insurance products and services to businesses of all sizes, including small business, middle market, and large corporate clients.
- Personal Lines: Offers auto, home, and umbrella insurance products to individuals and families through independent agents and brokers. The company is in the process of selling this business to focus on the commercial segment.
- Group Benefits: Delivers a range of group life, disability, and voluntary insurance products, as well as absence management services to employers.
Leadership and Structure
The Hartford is led by Christopher Swift (Chairman and CEO). The organizational structure is divided into business segments, each with its own leadership team reporting to the CEO. It operates with a board of directors overseeing the company's strategy and performance.
Top Products and Market Share
Key Offerings
- Workers' Compensation Insurance: Provides coverage for employees injured on the job, including medical expenses and lost wages. The Hartford is a leading provider of workers' compensation insurance in the US. Competitors include Travelers, Liberty Mutual, and Chubb.
- Commercial Auto Insurance: Offers coverage for businesses' vehicles and drivers. Market share data is not publicly available, but the Hartford is considered a significant player in this segment. Competitors include Progressive, Travelers, and Liberty Mutual.
- Group Life and Disability Insurance: Provides life and disability insurance benefits to employees through their employers. The Hartford is a leading provider in this market. Competitors include MetLife, Prudential, and Unum.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and subject to regulatory oversight. Factors influencing the industry include economic conditions, interest rates, catastrophic events, and technological advancements. The industry is experiencing increasing digitalization and a focus on data analytics.
Positioning
The Hartford focuses on commercial lines and group benefits, seeking to differentiate itself through specialized expertise and strong relationships with independent agents and brokers. It has exited less profitable segments to concentrate on its core strengths.
Total Addressable Market (TAM)
The global property and casualty insurance market is estimated to be approximately $2 trillion. The Hartford is positioned to capture a portion of this TAM by focusing on specific segments and leveraging its expertise and distribution network.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network through independent agents
- Specialized expertise in commercial lines and group benefits
- Focus on data analytics and technology
- Strong Financial Position
Weaknesses
- Exposure to catastrophic losses
- Dependence on independent agents
- Complexity of insurance products
- Regulatory Scrutiny
Opportunities
- Growth in emerging markets
- Increasing demand for cyber insurance
- Expansion of group benefits offerings
- Technological advancements in insurance
- Acquisitions of smaller players
Threats
- Economic downturns
- Increasing competition
- Rising interest rates
- Regulatory changes
- Climate change and increased frequency of natural disasters
Competitors and Market Share
Key Competitors
- Travelers Companies (TRV)
- Chubb (CB)
- American International Group (AIG)
Competitive Landscape
The Hartford competes with large, diversified insurance companies and smaller, specialized players. Its competitive advantages include its strong brand reputation, extensive distribution network, and specialized expertise in commercial lines and group benefits. Disadvantages include its exposure to catastrophic losses and dependence on independent agents.
Major Acquisitions
Navigators Group
- Year: 2019
- Acquisition Price (USD millions): 2100
- Strategic Rationale: Expanded The Hartford's specialty lines business and strengthened its presence in the global insurance market.
Growth Trajectory and Initiatives
Historical Growth: The Hartford has experienced steady growth in revenue and earnings over the past several years, driven by strong performance in its core business segments.
Future Projections: Analysts project continued growth in revenue and earnings, driven by favorable market conditions and the company's strategic initiatives. Growth is expected to be strongest in commercial lines and group benefits.
Recent Initiatives: Recent strategic initiatives include the acquisition of Navigators Group, the sale of Talcott Resolution, and an increased focus on data analytics and technology.
Summary
Hartford Financial Services Group is a strong company focusing on Commercial Lines and Group Benefits with solid growth and profitability. It faces the threat of catastrophic losses and increasing competition, but its strategic initiatives and strong distribution network position it well for future success. It needs to continue to innovate and adapt to changing market conditions, especially from natural disasters.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Industry Reports
- Third-Party Financial Data Providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and analyst estimates are subject to change. Investment decisions should be made based on individual risk tolerance and financial circumstances.
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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