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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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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
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.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
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 |
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 |
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