HIG
Financial Services · Insurance - Diversified
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.
- 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
- 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 ClaudeAI-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
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/01/2026 | 07/02/2026 | $0.6000 | 1.82% |
03/02/2026 | 04/02/2026 | $0.6000 | 1.82% |
12/01/2025 | 01/01/2026 | $0.6000 | 1.82% |
09/02/2025 | 10/03/2025 | $0.5200 | 1.58% |
06/02/2025 | 07/03/2025 | $0.5200 | 1.58% |
03/03/2025 | 04/03/2025 | $0.5200 | 1.58% |
12/02/2024 | 01/02/2025 | $0.5200 | 1.58% |
09/03/2024 | 10/04/2024 | $0.4700 | 1.43% |
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
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $131.64
Graham Number
√(22.5 × EPS × Book Value)
$146.95
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
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 yrsUninterrupted 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/dayHigh 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