The Hartford Insurance Group Inc Financials
This page shows The Hartford Insurance Group Inc (HIG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
The Hartford Insurance Group Inc has an operating margin of 0.5%, meaning the company retains $1 of operating profit per $100 of revenue. This below-average margin results in a low score of 3/100, suggesting thin profitability after operating expenses.
The Hartford Insurance Group Inc's revenue declined 100% year-over-year, from $26.5B to $28K. This contraction results in a growth score of 0/100.
The Hartford Insurance Group Inc carries a low D/E ratio of 0.23, meaning only $0.23 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
The Hartford Insurance Group Inc converts 20.3% of revenue into free cash flow ($6K). This strong cash generation earns a score of 100/100.
The Hartford Insurance Group Inc earns a strong 20.2% return on equity (ROE), meaning it generates $20 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 81/100. This is up from 18.9% the prior year.
The Hartford Insurance Group Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, The Hartford Insurance Group Inc generates $1.54 in operating cash flow ($6K OCF vs $4K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
The Hartford Insurance Group Inc earns $0.7 in operating income for every $1 of interest expense ($141 vs $199). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
The Hartford Insurance Group Inc generated $28K in revenue in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
The Hartford Insurance Group Inc's EBITDA was $328 in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
The Hartford Insurance Group Inc generated $6K in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 100.0% from the prior year.
The Hartford Insurance Group Inc reported $4K in net income in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
The Hartford Insurance Group Inc earned $13.32 per diluted share (EPS) in fiscal year 2025. This represents an increase of 28.7% from the prior year.
The Hartford Insurance Group Inc held $234 in cash against $4K in long-term debt as of fiscal year 2025.
The Hartford Insurance Group Inc paid $2.16 per share in dividends in fiscal year 2025. This represents an increase of 11.9% from the prior year.
The Hartford Insurance Group Inc had 276M shares outstanding in fiscal year 2025.
The Hartford Insurance Group Inc's operating margin was 0.5% in fiscal year 2025, reflecting core business profitability.
The Hartford Insurance Group Inc's net profit margin was 13.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.8 percentage points from the prior year.
The Hartford Insurance Group Inc's ROE was 20.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the prior year.
The Hartford Insurance Group Inc spent $2K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.
The Hartford Insurance Group Inc invested $169 in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 100.0% from the prior year.
HIG Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $7.2B+3.5% | $7.0B+2.6% | $6.8B-1.0% | $6.9B+1.9% | $6.8B+4.1% | $6.5B+1.0% | $6.4B+0.3% | $6.4B |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $1.4B+5.8% | $1.3B-1.1% | $1.4B-1.1% | $1.4B+3.3% | $1.3B+3.0% | $1.3B+0.2% | $1.3B+5.7% | $1.2B |
| Operating Income | -$4.2B-741.6% | $652.0M | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $50.0M0.0% | $50.0M0.0% | $50.0M0.0% | $50.0M+2.0% | $49.0M-2.0% | $50.0M0.0% | $50.0M+2.0% | $49.0M |
| Income Tax | $238.0M-5.2% | $251.0M+64.1% | $153.0M-30.8% | $221.0M+19.5% | $185.0M+6.3% | $174.0M+10.1% | $158.0M-11.7% | $179.0M |
| Net Income | $1.1B+8.5% | $995.0M+57.9% | $630.0M-26.1% | $853.0M+11.2% | $767.0M+3.9% | $738.0M-2.0% | $753.0M-2.3% | $771.0M |
| EPS (Diluted) | $3.77+9.6% | $3.44+60.0% | $2.15-25.3% | $2.88+12.5% | $2.56+4.9% | $2.44-1.2% | $2.47-1.6% | $2.51 |
HIG Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $85.0B+1.6% | $83.6B+1.6% | $82.3B+1.7% | $80.9B-0.4% | $81.2B+2.7% | $79.0B+1.7% | $77.7B+1.2% | $76.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $206.0M-5.9% | $219.0M+1.4% | $216.0M-7.7% | $234.0M-16.7% | $281.0M+33.8% | $210.0M-34.8% | $322.0M+70.4% | $189.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% | $1.9B |
| Total Liabilities | $66.5B+0.6% | $66.1B+1.0% | $65.5B+1.5% | $64.5B+0.4% | $64.2B+1.3% | $63.4B+1.8% | $62.2B+1.3% | $61.5B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $4.4B0.0% | $4.4B0.0% | $4.4B0.0% | $4.4B0.0% | $4.4B0.0% | $4.4B0.0% | $4.4B0.0% | $4.4B |
| Total Equity | $18.4B+5.3% | $17.5B+4.0% | $16.8B+2.4% | $16.4B-3.3% | $17.0B+8.5% | $15.7B+1.4% | $15.5B+0.9% | $15.3B |
| Retained Earnings | $23.8B+4.1% | $22.9B+3.8% | $22.0B+2.2% | $21.5B+3.3% | $20.8B+3.1% | $20.2B+3.0% | $19.6B+3.2% | $19.0B |
HIG Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.8B+42.4% | $1.3B+31.1% | $985.0M-47.4% | $1.9B+11.7% | $1.7B+33.2% | $1.3B+14.9% | $1.1B-32.6% | $1.6B |
| Capital Expenditures | $45.0M+12.5% | $40.0M+5.3% | $38.0M+246.2% | -$26.0M-143.3% | $60.0M-1.6% | $61.0M+22.0% | $50.0M-21.9% | $64.0M |
| Free Cash Flow | $1.8B+43.3% | $1.3B+32.1% | $947.0M-48.8% | $1.8B+14.2% | $1.6B+34.9% | $1.2B+14.5% | $1.0B-33.0% | $1.6B |
| Investing Cash Flow | -$1.3B-77.0% | -$743.0M-85.3% | -$401.0M+70.4% | -$1.4B-24.5% | -$1.1B-22.6% | -$888.0M-104.1% | -$435.0M+62.7% | -$1.2B |
| Financing Cash Flow | -$544.0M-0.2% | -$543.0M+10.7% | -$608.0M-11.2% | -$547.0M-5.2% | -$520.0M-8.3% | -$480.0M+9.3% | -$529.0M-16.5% | -$454.0M |
| Dividends Paid | $147.0M-1.3% | $149.0M-0.7% | $150.0M+9.5% | $137.0M-0.7% | $138.0M-1.4% | $140.0M-0.7% | $141.0M+9.3% | $129.0M |
| Share Buybacks | $400.0M-3.6% | $415.0M+3.8% | $400.0M-3.4% | $414.0M+3.5% | $400.0M+14.3% | $350.0M0.0% | $350.0M0.0% | $350.0M |
HIG Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | 8.7% | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 14.9%+0.7pp | 14.2%+5.0pp | 9.3%-3.1pp | 12.4%+1.0pp | 11.4%-0.0pp | 11.4%-0.4pp | 11.7%-0.3pp | 12.0% |
| Return on Equity | 5.9%+0.2pp | 5.7%+1.9pp | 3.7%-1.4pp | 5.2%+0.7pp | 4.5%-0.2pp | 4.7%-0.2pp | 4.9%-0.2pp | 5.0% |
| Return on Assets | 1.3%+0.1pp | 1.2%+0.4pp | 0.8%-0.3pp | 1.1%+0.1pp | 0.9%+0.0pp | 0.9%-0.0pp | 1.0%-0.0pp | 1.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.24-0.0 | 0.250.0 | 0.260.0 | 0.270.0 | 0.26-0.0 | 0.280.0 | 0.280.0 | 0.28 |
| FCF Margin | 24.8%+6.9pp | 17.9%+4.0pp | 13.9%-13.0pp | 26.9%+2.9pp | 24.0%+5.5pp | 18.5%+2.2pp | 16.3%-8.1pp | 24.4% |
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Frequently Asked Questions
What is The Hartford Insurance Group Inc's annual revenue?
The Hartford Insurance Group Inc (HIG) reported $28K in total revenue for fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is The Hartford Insurance Group Inc's revenue growing?
The Hartford Insurance Group Inc (HIG) revenue declined by 100% year-over-year, from $26.5B to $28K in fiscal year 2025.
Is The Hartford Insurance Group Inc profitable?
Yes, The Hartford Insurance Group Inc (HIG) reported a net income of $4K in fiscal year 2025, with a net profit margin of 13.5%.
What is The Hartford Insurance Group Inc's earnings per share (EPS)?
The Hartford Insurance Group Inc (HIG) reported diluted earnings per share of $13.32 for fiscal year 2025. This represents a 28.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is The Hartford Insurance Group Inc's EBITDA?
The Hartford Insurance Group Inc (HIG) had EBITDA of $328 in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does The Hartford Insurance Group Inc have?
As of fiscal year 2025, The Hartford Insurance Group Inc (HIG) had $234 in cash and equivalents against $4K in long-term debt.
What is The Hartford Insurance Group Inc's operating margin?
The Hartford Insurance Group Inc (HIG) had an operating margin of 0.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is The Hartford Insurance Group Inc's net profit margin?
The Hartford Insurance Group Inc (HIG) had a net profit margin of 13.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does The Hartford Insurance Group Inc pay dividends?
Yes, The Hartford Insurance Group Inc (HIG) paid $2.16 per share in dividends during fiscal year 2025.
What is The Hartford Insurance Group Inc's return on equity (ROE)?
The Hartford Insurance Group Inc (HIG) has a return on equity of 20.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is The Hartford Insurance Group Inc's free cash flow?
The Hartford Insurance Group Inc (HIG) generated $6K in free cash flow during fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is The Hartford Insurance Group Inc's operating cash flow?
The Hartford Insurance Group Inc (HIG) generated $6K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are The Hartford Insurance Group Inc's total assets?
The Hartford Insurance Group Inc (HIG) had $86K in total assets as of fiscal year 2025, including both current and long-term assets.
What are The Hartford Insurance Group Inc's capital expenditures?
The Hartford Insurance Group Inc (HIG) invested $169 in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does The Hartford Insurance Group Inc buy back shares?
Yes, The Hartford Insurance Group Inc (HIG) spent $2K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does The Hartford Insurance Group Inc have outstanding?
The Hartford Insurance Group Inc (HIG) had 276M shares outstanding as of fiscal year 2025.
What is The Hartford Insurance Group Inc's debt-to-equity ratio?
The Hartford Insurance Group Inc (HIG) had a debt-to-equity ratio of 0.23 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is The Hartford Insurance Group Inc's return on assets (ROA)?
The Hartford Insurance Group Inc (HIG) had a return on assets of 4.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is The Hartford Insurance Group Inc's Piotroski F-Score?
The Hartford Insurance Group Inc (HIG) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are The Hartford Insurance Group Inc's earnings high quality?
The Hartford Insurance Group Inc (HIG) has an earnings quality ratio of 1.54x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can The Hartford Insurance Group Inc cover its interest payments?
The Hartford Insurance Group Inc (HIG) has an interest coverage ratio of 0.7x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is The Hartford Insurance Group Inc?
The Hartford Insurance Group Inc (HIG) scores 57 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.