HIG
Hartford (The)
$129.50
▲ 1.0%Updated Today 7:15 PM ET
▲ Up 2.7% over the last 12 months
Market Cap
$35.16B
P/E
8.71x
Forward P/E (est.)
6.22x
ROE
22.0%
Revenue Growth
6.9%
EPS Growth
41.6%
Profit Margin
14.1%
FCF Yield
6.8%
Debt / Equity
0.23x
ROIC
-6.0%
Interest Coverage
—
Current Ratio
—
Dividend Yield
1.8%
Implied Growth (rev. DCF)
-6.3%
Rating Score
68/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what HIG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. HIG trades near $129.50, below its 50-day average ($133.91) and 200-day average ($133.89). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 52 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. HIG's is $2.72 (~2.1% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month HIG found buyers near $125.59 (support) and sellers near $137.17 (resistance); its 52-week range is $119.61–$144.50. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.8× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Hartford (The) (HIG) is a large-cap company in the Property & Casualty Insurance industry, part of the Financials sector of the S&P 500, with a market value around $35.16B.
In its latest reported year it generated about $1.51B in revenue and $3.84B in net profit.
Our model rates HIG Favorable (68/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
-1.0%
Revenue moved from $1.57B in 2021 to $1.51B in 2025, a -1.0% compound annual growth rate. The most recent year grew a steady 6.9% year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
18.1%
Net Margin
254.7%
ROE
22.0%
Hartford (The) keeps about 14.1% of each sales dollar as net profit. Return on equity is 22.0% and return on invested capital about -6.0%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$4.37B
Net Debt
$4.37B
Net Debt / EBITDA
—
Debt / Equity
0.23x
Leverage: debt-to-equity is 0.2x. That is a conservative balance sheet — a cushion in downturns.
Operating CF
$5.92B
Free Cash Flow
$5.75B
FCF Margin
382.0%
In the latest year Hartford (The) produced about $5.92B of operating cash flow and $5.75B of free cash flow after capital spending. That is a free-cash-flow yield of about 6.8% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
8.71x
P/S
1.27x
P/B
1.98x
EV / EBITDA
—
HIG trades at 8.7x trailing earnings (about 6.2x on estimated forward earnings), 1.3x sales, and 2.0x book value. Reverse-engineering today's price implies the market expects roughly -6.3% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How HIG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), HIG ranks #28 of 76 by our overall rating. It trades at a discount versus the sector on earnings (8.7x P/E vs. 15.2x median) with a higher return on equity (22.0% vs. 15.3%) and slower revenue growth (6.9% vs. 9.1%).
P/E vs sector
8.7x
median 15.2x
ROE vs sector
22.0%
median 15.3%
Growth vs sector
6.9%
median 9.1%
Sector rank
#28
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$19.26 – $34.67
vs. $129.50 today · expected CAGR -32% – -23%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $1.61B | $1.72B | $1.84B | $1.97B | $2.11B |
| Net income | $805.71M | $862.11M | $922.46M | $987.03M | $1.06B |
| EPS | $2.94 | $3.14 | $3.37 | $3.60 | $3.85 |
| Share price (low) | $14.70 | $15.72 | $16.83 | $18.00 | $19.26 |
| Share price (high) | $26.45 | $28.30 | $30.29 | $32.41 | $34.67 |
| CAGR (low–high) | -89% / -80% | -65% / -53% | -49% / -38% | -39% / -29% | -32% / -23% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for HIG:
- Strong return on equity (22.0%) shows capital is put to work well.
- Healthy free-cash-flow yield (~6.8%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.2x) lowers risk.
- Our model's overall read is Favorable (68/100).
The case against HIG:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Hartford (The) is a large-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 8.7x earnings, which our model scores Favorable (68/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.