HARTFORD INSURANCE GROUP, INC. (HIG) Stock Analysis

Analysis from 10-Q filed 2025-10-27. Data as of Q2 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC N/A. FCF margin 20.2%. D/E 0.2x. Source: 10-Q filed 2025-10-27.

Metric	Value	Context
ROIC	N/A	Below expectations
FCF Margin	20.2%	Strong cash generation
Debt/Equity	0.2x	Conservative leverage

FCF margin 20.2% — Bottom 50%.

Explore HARTFORD INSURANCE GROUP, INC.: Earnings History | Filings

Programmatic access: Available via MCP at mcp.metricduck.com. Tools for HIG: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.

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Profitability: HARTFORD INSURANCE GROUP, INC. earns N/A ROIC

ROIC TTM N/A, sector median 40.5%. Source: 10-Q filed 2025-10-27.

Metric	HIG	Rating	Context
Return on Invested Capital (ROIC)	N/A	Red flag	Below sector median of 40.5%
Return on Equity (ROE)	23.3%	Excellent	Efficient use of shareholder equity

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Cash Flow: HARTFORD INSURANCE GROUP, INC. generates $5.9B FCF at 20.2% margin, positive NaN/8 quarters

FCF TTM $5.9B. FCF margin 20.2%, Bottom 50%. OCF/Net income 1.3x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-27.

Metric	HIG	Rating	Context
Free Cash Flow Margin	20.2%	Excellent	Excellent cash conversion
Free Cash Flow (TTM)	$5.9B	Good	Positive cash generation
OCF/Net Income	1.3x	Excellent	High earnings quality
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

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Balance Sheet: HARTFORD INSURANCE GROUP, INC. at 0.2x leverage

Debt/Equity 0.2x. Total debt $4.4B, cash & investments $125.0M. Source: 10-Q filed 2025-10-27.

Metric	HIG	Rating	Context
Debt to Equity	0.2x	Excellent	Conservative capital structure
Net Cash Position	$-4.2B	Warning	Net debt position

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Valuation: HARTFORD INSURANCE GROUP, INC. trades at 8.5x earnings

P/E 8.5x. EV/Sales 1.4x. FCF yield 16.0%. Dividend yield 1.7%. Source: 10-Q filed 2025-10-27.

Metric	HIG	Rating	Context
P/E Ratio	8.5x	Adequate	Reasonable valuation
EV/Sales	1.4x	Excellent	Attractive revenue multiple
FCF Yield	16.0%	Excellent	Attractive cash return
Dividend Yield	1.7%	Adequate	Growth focus over income

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Capital Allocation: HARTFORD INSURANCE GROUP, INC. returns 6.4% shareholder yield

Total shareholder yield 6.4% (div 1.7% + buyback 4.7%). Capital returned $2.4B TTM. Source: 10-Q filed 2025-10-27.

Metric	HIG	Rating	Context
Total Shareholder Yield	6.4%	Excellent	Dividend + buyback yield combined
Buyback Yield	4.7%	Good	Active share repurchases
Total Capital Returned (TTM)	$2.4B	Good	Dividends + buybacks returned to shareholders

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Sector Rankings

Metric	Value	Percentile	vs Median
Free Cash Flow Margin	20.2%	Bottom 50%	0.8x below
Return on Equity (ROE)	23.3%	Top 5%	2.1x above
P/E Ratio	8.5x	N/A	-

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Financial Scorecard

Metric	HIG	Rating	Sector Context
Free Cash Flow Margin	20.2%	Excellent	Bottom 50% of sector (median: 24.1%)
Debt to Equity Ratio	22.3%	Excellent	Conservative capital structure
P/E Ratio (Price-to-Earnings)	845.3%	Adequate	Attractively valued
Free Cash Flow Yield	16.0%	Excellent	High cash return

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Frequently Asked Questions

Q: What is HARTFORD INSURANCE GROUP, INC.'s Return on Invested Capital (ROIC)?

HARTFORD INSURANCE GROUP, INC. (HIG) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 40.5%. Source: 10-Q filed 2025-10-27.

Q: What is HARTFORD INSURANCE GROUP, INC.'s Free Cash Flow Margin?

HARTFORD INSURANCE GROUP, INC. (HIG) has a free cash flow margin of 20.2%, generating $5.9 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-27.

Q: What is HARTFORD INSURANCE GROUP, INC.'s P/E ratio and how does it compare to peers?

HARTFORD INSURANCE GROUP, INC. (HIG) trades at a P/E ratio of 8.5x, which is above the sector median of N/A. EV/Sales 1.4x. FCF yield 16.0%. Source: 10-Q filed 2025-10-27.

Q: Does HARTFORD INSURANCE GROUP, INC. pay a dividend?

HARTFORD INSURANCE GROUP, INC. (HIG) currently pays a dividend yield of 1.7%. Total shareholder yield (dividend + buybacks) 6.4%. Source: 10-Q filed 2025-10-27.

Q: What is HARTFORD INSURANCE GROUP, INC.'s revenue and earnings growth?

HARTFORD INSURANCE GROUP, INC. (HIG) grew revenue by 7.0% year-over-year. EPS +40.3% YoY. Source: 10-Q filed 2025-10-27.

Q: Is HARTFORD INSURANCE GROUP, INC. buying back stock?

HARTFORD INSURANCE GROUP, INC. (HIG) repurchased $1.7 billion of stock over the trailing twelve months. This represents a buyback yield of 4.7%. Source: 10-Q filed 2025-10-27.

Q: How does HARTFORD INSURANCE GROUP, INC. compare to competitors in Financials?

Compared to other companies in Financials, HARTFORD INSURANCE GROUP, INC. (HIG) shows: ROIC N/A, sector median 40.5% (NaNx). FCF margin 20.2%, sector median 24.1% (Bottom 50%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.

Q: What warning signs should I watch for with HARTFORD INSURANCE GROUP, INC.?

No quantitative warning flags fired for HARTFORD INSURANCE GROUP, INC. (HIG) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-10-27.

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Data Source: Data sourced from 10-Q filed 2025-10-27. TTM metrics as of Q2 2026.

Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.

Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.

This analysis is for informational purposes only and does not constitute investment advice.