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Hartford Financial Services Group

Company price
132.59 USD 0.53 ( 0.40%)
Last update at 2026-10-30T20:06:00Z
VOLUME
3218567
Market Cap
36846.72M
P/E
9.40

Momentum Score

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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.

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Day Price Range
131.88
Low
134.98
High
52 Week Price Range
118.21
Low
145.43
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

The Hartford Financial Services Group is a U.S. insurer offering property & casualty, group benefits, and asset management to individuals and businesses. Long-term growth may be supported by disciplined pricing, rising demand for employee benefits and retirement solutions, and investment income, and it appears positioned to benefit from a diversified product mix and established North American distribution.
Key risks include large catastrophe and reserve shortfall losses, sensitivity to interest rates and investment returns, and competitive and regulatory pressures.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
132.06
Dividend Yield
1.69%
Revenue TTM
29315.00M
Revenue Per Share
105.75
Gross Profit TTM
11101.00M
Debt / Equity
0.23
ROE
22.06%
Net Debt
4238.00M
ROCE
5.81%
Diluted EPS TTM
14.47

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 4760.00M 3849.00M 3088.00M 2258.00M 2896.00M
Net income 3836.00M 3111.00M 2504.00M 1815.00M 2365.00M
Gross profit 13020.00M 3970.00M 3167.00M 17532.00M 17611.00M
Reconciled depreciation 396.00M 356.00M 517.00M 71.00M 72.00M
Ebit 4959.00M 3849.00M 3088.00M 3025.00M 2815.00M
Ebitda 5355.00M 4205.00M 3598.00M 3096.00M 2886.00M
Depreciation and amortization 396.00M 356.00M 510.00M 71.00M 71.00M
Operating income 4760.00M 3849.00M 3088.00M 3025.00M 2815.00M
Other operating expenses 23498.00M 22535.00M 21242.00M 20104.00M 19494.00M
Interest expense 199.00M 199.00M 199.00M 213.00M 234.00M
Tax provision 924.00M 738.00M 548.00M 443.00M 383.00M
Interest income 199.00M 115.00M 199.00M 213.00M 234.00M
Net interest income -199.00M -199.00M -200.00M -213.00M -236.00M
Income tax expense 924.00M 738.00M 584.00M 443.00M 531.00M
Total revenue 28258.00M 26384.00M 24330.00M 22362.00M 22390.00M
Total operating expenses 8260.00M 121.00M 79.00M -14507.00M -19575.00M
Cost of revenue 15238.00M 22414.00M 21163.00M 4830.00M 4779.00M
Total other income expense net 110.00M -199.00M -199.00M -767.00M 81.00M
Net income from continuing ops 3836.00M 3111.00M 2321.00M 1815.00M 1737.00M
Net income applicable to common shares 3815.00M 3090.00M 2483.00M 1794.00M 2344.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 85997.00M 80917.00M 70096.00M 73022.00M 76578.00M
Intangible assets 566.00M 637.00M 707.00M 778.00M 858.00M
Other current assets - - -1286.00M 7471.00M -36926.00M
Total liab 67018.00M 64470.00M 54769.00M 59391.00M 4944.00M
Total stockholder equity 18979.00M 16447.00M 15327.00M 13631.00M 17843.00M
Other current liab - 614.00M 35214.00M 7852.00M 7194.00M
Common stock 3.00M 3.00M 3.00M 17173.00M 4.00M
Capital stock 337.00M 337.00M 337.00M 17507.00M 338.00M
Retained earnings 24739.00M 21531.00M 19007.00M 17048.00M 15764.00M
Other liab - - - 47040.00M 46597.00M
Good will 1911.00M 1911.00M 1911.00M 1911.00M 1911.00M
Other assets 71787.00M 67232.00M -24262.00M -29229.00M -36926.00M
Cash 133.00M 183.00M 126.00M 229.00M 205.00M
Total current liabilities 612.00M 614.00M 35214.00M 2107.00M 687.00M
Current deferred revenue - - - 1449.00M -
Net debt 4238.00M 4183.00M 4236.00M 4128.00M 4739.00M
Short term debt 0.00M 0.00M 0.00M 0.00M 0.00M
Short long term debt 0.00M 0.00M 0.00M 0.00M -
Short long term debt total 4371.00M 4366.00M 4362.00M 4357.00M 4944.00M
Other stockholder equity -4040.00M -2535.00M -1168.00M -17048.00M 1569.00M
Property plant equipment 931.00M 888.00M 896.00M 927.00M 1027.00M
Total current assets 10802.00M 10249.00M 11551.00M 52234.00M 57717.00M
Long term investments 56858.00M 52588.00M 49644.00M 46401.00M 57749.00M
Net tangible assets - - - 10608.00M 14740.00M
Short term investments 4353.00M 4068.00M 19173.00M 40090.00M 46544.00M
Net receivables 6316.00M 5998.00M 12711.00M 11915.00M 10968.00M
Long term debt 4371.00M 4366.00M 4362.00M 4357.00M 4944.00M
Inventory - - -56505.00M - -
Accounts payable 612.00M 614.00M - 658.00M 687.00M
Accumulated other comprehensive income -2057.00M -2886.00M -2849.00M -3876.00M 172.00M
Common stock total equity - - - 3.00M 4.00M
Preferred stock total equity - - - 334.00M 334.00M
Retained earnings total equity - - - 17048.00M 15764.00M
Treasury stock - - - -1773.00M -1740.00M
Non currrent assets other - -55142.00M 48462.00M -1449.00M -270.00M
Non current assets total 3408.00M 3436.00M 58545.00M 50017.00M 55787.00M
Long term debt total 4371.00M 4366.00M 4362.00M 4357.00M 4944.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -2343.00M -3768.00M -1838.00M -892.00M -2175.00M
Change to liabilities - - - 2199.00M 2416.00M
Total cashflows from investing activities -3758.00M -3768.00M -2431.00M -1277.00M -2466.00M
Net borrowings - 0.00M 0.00M -600.00M 588.00M
Total cash from financing activities -2235.00M -2076.00M -1947.00M -2710.00M -1581.00M
Change to operating activities - - - 1577.00M 1676.00M
Net income 3836.00M 3111.00M 2504.00M 1815.00M 2365.00M
Change in cash -57.00M 45.00M -155.00M 7.00M 98.00M
Begin period cash flow 234.00M 189.00M 344.00M 337.00M 239.00M
End period cash flow 177.00M 234.00M 189.00M 344.00M 337.00M
Total cash from operating activities 5922.00M 5909.00M 4220.00M 4008.00M 4093.00M
Depreciation 396.00M 356.00M 510.00M 625.00M 680.00M
Other cashflows from investing activities -512.00M -292.00M -40.00M -210.00M -158.00M
Dividends paid 613.00M 577.00M 549.00M -527.00M -506.00M
Change to account receivables -419.00M -512.00M -863.00M -1035.00M -582.00M
Sale purchase of stock -1615.00M -1514.00M -1400.00M -1550.00M -1702.00M
Other cashflows from financing activities -7.00M 15.00M 2.00M -33.00M 627.00M
Change to netincome - - - 665.00M -557.00M
Capital expenditures 169.00M 145.00M 215.00M 175.00M 133.00M
Change receivables - - - -1035.00M -582.00M
Cash flows other operating - - - -261.00M -229.00M
Exchange rate changes - - - - -6.00M
Cash and cash equivalents changes - - - 21.00M 40.00M
Change in working capital 1508.00M 2178.00M 920.00M 935.00M 1761.00M
Stock based compensation - 22.00M 125.00M -19.00M 25.00M
Other non cash items 182.00M 264.00M 286.00M 652.00M -713.00M
Free cash flow 5753.00M 5764.00M 4005.00M 3833.00M 3960.00M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Diversified

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
HIG
Hartford Financial Services Group
0.53
0.40%
132.59 9.40 10.02 1.26 1.93 1.45
BRK-A
Berkshire Hathaway Inc
-1798.02
0.22%
815701.98 12.94 22.83 2.87 1.47 2.72
BRK-B
Berkshire Hathaway Inc
0.53
0.10%
542.49 10.15 16.16 2.21 1.47 2.16
ALIZY
Allianz SE ADR
-0.28
0.57%
48.86 14.10 12.79 1.54 2.37 1.12
ALIZF
Allianz SE
-
-%
502.96 13.97 12.66 1.53 2.34 1.12

Profile*

Hartford Financial Services Group

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.

One Hartford Plaza, Hartford, CT, United States, 06155

(860) 547-5000

19200

Name Title Year Born
Mr. Christopher Jerome Swift CPA Chairman & CEO 1961
Mr. Douglas Graham Elliot Pres 1960
Ms. Beth A. Costello Exec. VP & CFO 1968
Ms. Amy Marie Stepnowski Exec. VP & Chief Investment Officer 1969
Mr. David C. Robinson Exec. VP & Gen. Counsel 1966
Mr. John J. Kinney Exec. VP and Head of Claims & Operations 1972
Mr. Scott R. Lewis Sr. VP, Controller & Principal Accounting Officer 1963
Ms. Deepa Soni Exec. VP and Head of Technology, Data, Analytics & Information Security 1970
Ms. Susan Spivak Bernstein Sr. Investor Relations Officer NA
Ms. Claire H. Burns Chief Marketing & Communications Officer 1969

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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