The Hartford Insurance Group Inc (HIG) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HIG SEC filings page.
The Hartford Insurance Group Inc (HIG) reported $29.3B in revenue over the twelve months to Jun 30, 2026, up 8.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Insurance earnings are scaling through stronger cash generation and shareholder distributions while leverage falls relative to a growing capital base.
Net income increased23.3% in FY2025, while operating cash flow increased only0.2% ; the widening gap indicates reported earnings improved faster than cash realization. Free cash flow stayed near$5.8B while capital expenditures remained below$200M , indicating the cash profile is driven more by operating flows than heavy reinvestment.
Equity rose to
Shares outstanding declined from 297.4M in FY2023 to 275.9M in FY2025 as buybacks continued, so per-share earnings benefited from both higher aggregate profit and a smaller share base. Dividends per share rose to
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of The Hartford Insurance Group Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. The Hartford Insurance Group Inc scores 45/100 on it among other insurers.
Not available for The Hartford Insurance Group Inc, and counted as zero in the overall score.
The Hartford Insurance Group Inc funded 22.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $19.0B of equity against $86.0B of assets. Capital ranks insurers on that cushion, and The Hartford Insurance Group Inc scores 41/100 among other insurers.
Not available for The Hartford Insurance Group Inc, and counted as zero in the overall score.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. The Hartford Insurance Group Inc scores 50/100 on it among other insurers.
The Hartford Insurance Group Inc reported net income of $3.8B in fiscal year 2025, against $3.1B in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and The Hartford Insurance Group Inc scores 82/100 among other insurers.
The Hartford Insurance Group Inc passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 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 ($5.9B OCF vs $3.8B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
The Hartford Insurance Group Inc generated $7.3B in revenue in Q2 2026. This represents an increase of 8.1% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.
The Hartford Insurance Group Inc reported $1.3B in net income in Q2 2026. This represents an increase of 30.5% from the same quarter a year earlier. Against the prior quarter it is up 51.6%.
The Hartford Insurance Group Inc earned $4.68 per diluted share (EPS) in Q2 2026. This represents an increase of 36.0% from the same quarter a year earlier. Against the prior quarter it is up 53.9%.
Not reported for Q2 2026.
Cash & Balance Sheet
The Hartford Insurance Group Inc generated $1.1B in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 14.1% from the same quarter a year earlier. Against the prior quarter it is up 5.9%.
The Hartford Insurance Group Inc held $203.0M in cash against $4.4B in long-term debt as of Q2 2026.
The Hartford Insurance Group Inc paid $0.60 per share in dividends in Q2 2026. This represents an increase of 15.4% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
The Hartford Insurance Group Inc's net profit margin was 17.9% in Q2 2026, showing the share of revenue converted to profit. This is up 3.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.0 percentage points.
The Hartford Insurance Group Inc's ROE was 6.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
The Hartford Insurance Group Inc spent $466.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 12.3% from the same quarter a year earlier. Against the prior quarter it is up 3.6%.
The Hartford Insurance Group Inc invested $115.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 187.5% from the same quarter a year earlier. Against the prior quarter it is up 271.0%.
Not reported for Q2 2026.
HIG Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $7.3B+8.1% | $7.2B+6.1% | $7.6B+10.6% | $7.2B+7.1% | $6.7B+3.5% | $6.8B+6.1% | $6.9B+7.5% | $6.8B+9.5% |
| SG&A Expenses | $1.2B+6.8% | $1.4B+7.0% | $1.7B+22.9% | $1.4B+6.9% | $1.1B-11.4% | $1.4B+5.4% | $1.4B | $1.3B+7.9% |
| Interest Expense | $50.0M0.0% | $50.0M0.0% | $49.0M-2.0% | $50.0M+2.0% | $50.0M0.0% | $50.0M0.0% | $50.0M | $49.0M-2.0% |
| Income Tax | $251.0M+6.4% | $201.0M+31.4% | $297.0M+34.4% | $238.0M+28.6% | $236.0M+35.6% | $153.0M-3.2% | $221.0M | $185.0M+14.2% |
| Net Income | $1.3B+30.5% | $856.0M+35.9% | $1.1B+32.6% | $1.1B+40.8% | $995.0M+34.8% | $630.0M-16.3% | $853.0M+10.6% | $767.0M+17.8% |
| EPS (Basic) | $4.73+35.5% | $3.08+41.3% | $4.03+38.0% | $3.82+46.9% | $3.49+40.7% | $2.18-13.1% | $2.92+14.5% | $2.60+22.6% |
| EPS (Diluted) | $4.68+36.0% | $3.04+41.4% | $3.98+38.2% | $3.77+47.3% | $3.44+41.0% | $2.15-13.0% | $2.88+14.7% | $2.56+22.5% |
| Diluted Shares (Avg) | 276M-4.0% | 280M-3.7% | N/A | 285M-4.2% | 288M-4.1% | 291M-3.9% | N/A | 298M-3.7% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
HIG Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $88.0B+5.2% | $86.3B+4.9% | $86.0B+6.3% | $85.0B+4.6% | $83.6B+5.8% | $82.3B+5.9% | $80.9B+5.4% | $81.2B+9.0% |
| Cash & Equivalents | $203.0M-7.3% | $220.0M+1.9% | $166.0M-29.1% | $206.0M-26.7% | $219.0M+4.3% | $216.0M-32.9% | $234.0M+23.8% | $281.0M+55.2% |
| Short-Term Investments | $3.9B+5.9% | $4.2B+25.5% | $4.0B-1.6% | $4.2B+6.4% | $3.6B-1.4% | $3.4B+13.1% | $4.1B+5.7% | $4.0B+20.1% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $1.6B-14.2% | $1.9B0.0% | $1.6B-14.2% | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% | $1.9B0.0% |
| Total Liabilities | $68.3B+3.4% | $67.4B+3.0% | $67.0B+4.0% | $66.5B+3.6% | $66.1B+4.3% | $65.5B+5.2% | $64.5B+4.9% | $64.2B+5.5% |
| Long-Term Debt | $4.4B+0.1% | $4.4B+0.1% | $4.4B+0.1% | $4.4B+0.1% | $4.4B+0.1% | $4.4B+0.1% | $4.4B+0.1% | $4.4B+0.1% |
| Total Equity | $19.6B+12.1% | $18.9B+12.1% | $19.0B+15.4% | $18.4B+8.5% | $17.5B+11.7% | $16.8B+8.9% | $16.4B+7.3% | $17.0B+24.3% |
| Retained Earnings | $26.6B+16.2% | $25.4B+15.5% | $24.7B+14.9% | $23.8B+14.1% | $22.9B+13.1% | $22.0B+12.2% | $21.5B+13.3% | $20.8B+13.3% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
HIG Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.2B-7.9% | $1.0B+6.1% | $1.8B-3.5% | $1.8B+9.5% | $1.3B+2.5% | $985.0M-10.2% | $1.9B+15.2% | $1.7B-5.3% |
| Depreciation & Amortization | $111.0M+18.1% | $108.0M+17.4% | -$74.0M+22.1% | $75.0M-11.8% | $94.0M+56.7% | $92.0M-27.6% | -$95.0M | $85.0M-33.6% |
| Capital Expenditures | -$115.0M+187.5% | $31.0M-18.4% | $46.0M+76.9% | $45.0M-25.0% | $40.0M-34.4% | $38.0M-24.0% | -$26.0M-59.4% | $60.0M+15.4% |
| Free Cash Flow | $1.1B-14.1% | $1.0B+7.1% | $1.8B-4.7% | $1.8B+10.8% | $1.3B+4.3% | $947.0M-9.6% | $1.8B+18.2% | $1.6B-5.9% |
| Investing Cash Flow | -$551.0M+25.8% | -$332.0M+17.2% | -$1.3B+4.2% | -$1.3B-20.8% | -$743.0M+16.3% | -$401.0M+7.8% | -$1.4B-16.4% | -$1.1B+17.4% |
| Financing Cash Flow | -$634.0M-16.8% | -$663.0M-9.0% | -$540.0M+1.3% | -$544.0M-4.6% | -$543.0M-13.1% | -$608.0M-14.9% | -$547.0M-20.5% | -$520.0M-6.3% |
| Dividends Paid | $165.0M+10.7% | $167.0M+11.3% | $146.0M+6.6% | $147.0M+6.5% | $149.0M+6.4% | $150.0M+6.4% | $137.0M+6.2% | $138.0M+5.3% |
| Share Buybacks | $466.0M+12.3% | $450.0M+12.5% | $400.0M-3.4% | $400.0M0.0% | $415.0M+18.6% | $400.0M+14.3% | $414.0M+18.3% | $400.0M+14.3% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
HIG Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 17.9%+3.0pp | 11.8%+2.6pp | 14.9%+2.5pp | 14.9%+3.6pp | 14.8%+3.4pp | 9.3%-2.5pp | 12.4%+0.4pp | 11.4%+0.8pp |
| Return on Equity | 6.6%+0.9pp | 4.5%+0.8pp | 6.0%+0.8pp | 5.9%+1.3pp | 5.7%+1.0pp | 3.7%-1.1pp | 5.2%+0.2pp | 4.5%-0.3pp |
| Return on Assets | 1.5%+0.3pp | 1.0%+0.2pp | 1.3%+0.3pp | 1.3%+0.3pp | 1.2%+0.3pp | 0.8%-0.2pp | 1.1%+0.1pp | 0.9%+0.1pp |
| Debt-to-Equity | 0.220.0x | 0.230.0x | 0.230.0x | 0.240.0x | 0.250.0x | 0.260.0x | 0.270.0x | 0.26-0.1x |
| Asset Turnover | 0.080.0x | 0.080.0x | 0.090.0x | 0.090.0x | 0.080.0x | 0.080.0x | 0.090.0x | 0.080.0x |
| FCF Margin | 14.8%-3.8pp | 14.0%+0.1pp | 23.2%-3.7pp | 24.8%+0.8pp | 18.6%+0.1pp | 13.9%-2.4pp | 26.9%+2.4pp | 24.0%-3.9pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| The Hartford Insurance Group Inc HIG | FY2025 | $28.4B | $3.8B | 13.5% | $37.0B | 36/100 |
| Allstate Corp ALL | FY2025 | $67.7B | $10.2B | 15.0% | $64.1B | 23/100 |
| W.R Berkley WRB | FY2025 | $14.7B | $1.8B | 12.1% | $25.9B | 52/100 |
| Markel Corporation MKL | FY2025 | $15.5B | $2.1B | 13.6% | $22.1B | 24/100 |
| Cincinnati Finl Corp CINF | FY2025 | $12.6B | $2.4B | 18.9% | $26.0B | 40/100 |
| Travelers Compan TRV | FY2025 | $48.8B | $6.3B | 12.9% | $76.3B | 46/100 |
Where The Hartford Insurance Group Inc Ranks
Frequently Asked Questions
What is The Hartford Insurance Group Inc's annual revenue?
The Hartford Insurance Group Inc (HIG) reported $28.4B in total revenue for fiscal year 2025. This represents a 6.9% 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 grew by 6.9% year-over-year, from $26.5B to $28.4B in fiscal year 2025.
Is The Hartford Insurance Group Inc profitable?
Yes, The Hartford Insurance Group Inc (HIG) reported a net income of $3.8B in fiscal year 2025, with a net profit margin of 13.5%.
How much debt does The Hartford Insurance Group Inc have?
As of fiscal year 2025, The Hartford Insurance Group Inc (HIG) had $166.0M in cash and equivalents against $4.4B in long-term debt.
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 $5.8B in free cash flow during fiscal year 2025. This represents a -0.2% 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 $5.9B 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 $86.0B 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 $169.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
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 P/E ratio?
The Hartford Insurance Group Inc (HIG) trades at 8.5x earnings, its market capitalization divided by net income of $4.4B net income, trailing 12 months to June 30, 2026. The market capitalization is $37.0B as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is The Hartford Insurance Group Inc's price-to-sales ratio?
The Hartford Insurance Group Inc (HIG) trades at 1.3x sales, its market capitalization divided by revenue of $29.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $37.0B as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is The Hartford Insurance Group Inc's Piotroski F-Score?
The Hartford Insurance Group Inc (HIG) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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.
How financially healthy is The Hartford Insurance Group Inc?
The Hartford Insurance Group Inc (HIG) scores 36 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.