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HIG

HIG

Financial Services · Insurance - Diversified

$131.64+1.40%
Mkt Cap: $36.09BDY: 1.85%

Performance

HIG (HIG) Stock Analysis 2026

Rule-based · Updated daily · Not financial advice

HIG (HIG) operates in the Insurance - Diversified space within the Financial Services sector. With a market cap of $36.1B, it qualifies as a mid-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.

Bull Case6
  • Low P/E of 9.3× suggests the stock may be undervalued relative to earnings
  • Revenue growth of 6% YoY shows solid business momentum
  • Earnings grew 41% YoY — bottom-line is expanding fast
  • Healthy profit margin of 14.1%
  • ROE of 22.7% shows management efficiently converts equity into profit
  • Low beta of 0.47 — less volatile than the market, suitable for conservative portfolios
Bear Case1
  • High debt-to-equity of 23.15× increases financial risk, especially with elevated interest rates

Verdict

Strong Buy

Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.

AI Insight

Powered by Claude

AI-generated analysis for informational purposes only. Not financial advice.

Related Articles

Revenue & Results

Dividends

Current DY

1.85%

5Y Avg Annual

$1.7230

Last Payment

$0.6000

Ex-Date

06/01/2026

Annual dividends paid per share

2011
2019
2026
Ex-DatePaymentAmountEst. DY
Latest06/01/2026
07/02/2026$0.60001.82%
03/02/2026
04/02/2026$0.60001.82%
12/01/2025
01/01/2026$0.60001.82%
09/02/2025
10/03/2025$0.52001.58%
06/02/2025
07/03/2025$0.52001.58%
03/03/2025
04/03/2025$0.52001.58%
12/02/2024
01/02/2025$0.52001.58%
09/03/2024
10/04/2024$0.47001.43%

Magic Number

Shares needed to self-fund your next purchase

$131.64

Price

÷

$0.6000

Last div. (quarterly)

=

220

shares

Own 220 HIG shares ($28,960.80) and each quarterly dividend pays for 1 new share — the snowball runs on its own.

Investment target

$28,960.80

New shares / year

+4 shares

If You Had Invested…

Hypothetical return based on historical prices

$

* Dividend reinvestment calculated at ex-date price. For informational purposes only.

Earnings

EPS (TTM)

$14.22

P/E (TTM)

9.3

Fwd P/E

9.3

Earnings History

SEC EDGAR · official filings

SEC filings

SEC Filings

Official EDGAR documents

All filings

Key Statistics

Valuation

Market Cap$36.09B
P/E Ratio9.26
Forward P/E9.30
P/B Ratio
PEG Ratio0.12
EPS (TTM)$14.22

Trading

Open
Day High
Day Low
52W High$144.50
52W Low$119.61
Volume
Avg Volume (3M)1,586,661
Beta0.47

Dividends

Dividend Yield1.85%
Annual Rate$2.40
Ex-Div Date2026-06-01
Payout Ratio15.76%

Profitability

Profit Margin14.11%
Operating Margin15.30%
ROE22.74%
ROA3.88%
Revenue Growth6.10%
Earnings Growth41.40%

Balance Sheet

Total Revenue$28.79B
Total Debt$4.37B
Debt / Equity23.15
Current Ratio1.79
Free Cash Flow$5.60B

Fair Value Estimates

Current price: $131.64

Graham Number

√(22.5 × EPS × Book Value)

$146.95

+11.6% upside

Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.

Bazin Ceiling Price

Avg. Annual DPS (5Y) ÷ 6%

$29.50

-77.6% downside

Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.

These are simplified estimates. Not financial advice.

Buy & Hold Checklist

Quality criteria for long-term holding

9/10

90% score

Pays dividends

15Y hist.

15+ years of dividend history

Dividend consistency (5Y+)

15 yrs

Uninterrupted dividend payments for at least 5 years

ROE above 10%

22.7%

Return on equity — measures how efficiently capital is used

Positive profit margin

14.1%

Net profit margin must be positive — company earns more than it spends

Revenue growth (annual)

+6.1%

Annual revenue must be growing compared to the prior year

Earnings growth (annual)

+41.4%

Annual earnings must be growing compared to the prior year

Debt/Equity below 2×

23.15×

Low financial leverage reduces risk of distress

Current ratio above 1

1.79×

Short-term assets must cover short-term liabilities

Daily liquidity above $5M

$209M/day

High trading volume ensures easy entry and exit

Dividend yield above 0%

1.85%

Stock must distribute income to shareholders

Related Assets

Financial Services

About HIG

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. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, 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 also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it 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; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company 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, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

Sector

Financial Services

Industry

Insurance - Diversified

Location

Hartford, United States

Employees

19,200