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.

The Hartford Insurance Group Inc Financials

HIG

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

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).

Rhea AI HIG FY2025 2026-04-23

Low capital intensity and improving expense absorption let rising revenue turn into faster cash flow and steadily stronger equity.

From FY2023 to FY2025, long-term debt stayed near $4.4B even as return on equity reached 20.2%. Because equity kept rebuilding through retained earnings, leverage eased mainly through a larger capital base rather than through cash accumulation or meaningful debt paydown; that is a sturdier improvement than one created by shrinking the asset base.

The company's cash conversion is unusually clean: FY2025 operating cash flow of $5.9B exceeded net income of $3.8B. Even on an asset base of $86.0B, capital spending was only $169M, so free cash flow stayed close to operating cash flow instead of being absorbed by reinvestment.

Over the last three fiscal years, administrative costs fell from 19.9% to 19.7% of revenue even while revenue expanded, so profitability improved through better cost absorption rather than a visibly more leveraged balance sheet. That reading fits the fact that interest expense barely moved while net margin continued to widen, making the earnings improvement look more operational than financial.

Financial Health Signals

Financial Health Score 36/100

Scored as: Insurers peer group

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

Capital

Combined Ratio

Stability

Piotroski F-Score Partial

6/6

The Hartford Insurance Group Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.54x

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

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Earnings & Revenue

Revenue

$28.4B

YoY+6.9%

5Y CAGR+6.7%

10Y CAGR+3.2%

The Hartford Insurance Group Inc generated $28.4B in revenue in fiscal year 2025. This represents an increase of 6.9% from the prior year.

EBITDA

N/A

Net Income

$3.8B

YoY+23.3%

5Y CAGR+17.2%

10Y CAGR+36.1%

The Hartford Insurance Group Inc reported $3.8B in net income in fiscal year 2025. This represents an increase of 23.3% from the prior year.

EPS (Diluted)

$13.32

YoY+28.7%

5Y CAGR+22.9%

10Y CAGR+43.5%

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.

Cash & Balance Sheet

Free Cash Flow

$5.8B

YoY-0.2%

5Y CAGR+8.9%

10Y CAGR+17.2%

The Hartford Insurance Group Inc generated $5.8B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 0.2% from the prior year.

Cash & Debt

$177.0M

YoY-24.4%

5Y CAGR-5.8%

10Y CAGR-18.8%

The Hartford Insurance Group Inc held $177.0M in cash against $4.4B in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.16

YoY+11.9%

5Y CAGR+10.7%

10Y CAGR+15.8%

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.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

13.5%

YoY+1.8pp

5Y CAGR+5.1pp

10Y CAGR+12.7pp

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.

Return on Equity

20.2%

YoY+1.3pp

5Y CAGR+10.8pp

10Y CAGR+19.3pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.6B

YoY+6.7%

5Y CAGR+60.8%

10Y CAGR+10.4%

The Hartford Insurance Group Inc spent $1.6B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 6.7% from the prior year.

Capital Expenditures

$169.0M

YoY+16.6%

5Y CAGR+8.2%

10Y CAGR+10.2%

The Hartford Insurance Group Inc invested $169.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 16.6% from the prior year.

HIG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$28.4B+6.9%	$26.5B+8.2%	$24.5B+9.7%	$22.4B-0.1%	$22.4B+9.1%	$20.5B
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$5.6B+6.2%	$5.3B+7.7%	$4.9B+0.8%	$4.8B+1.0%	$4.8B+6.9%	$4.5B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$199.0M0.0%	$199.0M0.0%	$199.0M-6.6%	$213.0M-9.0%	$234.0M-0.8%	$236.0M
Income Tax	$924.0M+25.2%	$738.0M+26.4%	$584.0M+31.8%	$443.0M-17.0%	$534.0M+39.4%	$383.0M
Net Income	$3.8B+23.3%	$3.1B+24.2%	$2.5B+37.7%	$1.8B-23.3%	$2.4B+36.5%	$1.7B
EPS (Diluted)	$13.32+28.7%	$10.35+29.9%	$7.97+46.0%	$5.46-17.8%	$6.64+39.5%	$4.76

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$7.2B-1.5%	$7.3B+1.5%	$7.2B+3.5%	$7.0B+2.6%	$6.8B-1.0%	$6.9B+1.9%	$6.8B+4.1%	$6.5B
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-2.3%	$1.5B+4.7%	$1.4B+5.8%	$1.3B-1.1%	$1.4B-1.1%	$1.4B+3.3%	$1.3B+3.0%	$1.3B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$50.0M+2.0%	$49.0M-2.0%	$50.0M0.0%	$50.0M0.0%	$50.0M0.0%	$50.0M+2.0%	$49.0M-2.0%	$50.0M
Income Tax	$201.0M-28.7%	$282.0M+18.5%	$238.0M-5.2%	$251.0M+64.1%	$153.0M-30.8%	$221.0M+19.5%	$185.0M+6.3%	$174.0M
Net Income	$856.0M-24.3%	$1.1B+4.7%	$1.1B+8.5%	$995.0M+57.9%	$630.0M-26.1%	$853.0M+11.2%	$767.0M+3.9%	$738.0M
EPS (Diluted)	$3.04	N/A	$3.77+9.6%	$3.44+60.0%	$2.15	N/A	$2.56+4.9%	$2.44

HIG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$86.0B+6.3%	$80.9B+5.4%	$76.8B+5.2%	$73.0B-4.7%	$76.6B+3.3%	$74.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$177.0M-24.4%	$234.0M+23.8%	$189.0M-45.1%	$344.0M+2.1%	$337.0M+41.0%	$239.0M
Inventory	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
Goodwill	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B
Total Liabilities	$67.0B+4.0%	$64.5B+4.9%	$61.5B+3.6%	$59.3B+1.0%	$58.7B+5.7%	$55.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$4.4B+0.1%	$4.4B+0.1%	$4.4B+0.1%	$4.4B-11.9%	$4.9B+13.6%	$4.4B
Total Equity	$19.0B+15.4%	$16.4B+7.3%	$15.3B+12.1%	$13.7B-23.2%	$17.8B-4.0%	$18.6B
Retained Earnings	$24.7B+14.9%	$21.5B+13.3%	$19.0B+11.4%	$17.1B+8.2%	$15.8B+13.3%	$13.9B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$86.3B+0.4%	$86.0B+1.2%	$85.0B+1.6%	$83.6B+1.6%	$82.3B+1.7%	$80.9B-0.4%	$81.2B+2.7%	$79.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$220.0M+24.3%	$177.0M-14.1%	$206.0M-5.9%	$219.0M+1.4%	$216.0M-7.7%	$234.0M-16.7%	$281.0M+33.8%	$210.0M
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	$67.4B+0.6%	$67.0B+0.7%	$66.5B+0.6%	$66.1B+1.0%	$65.5B+1.5%	$64.5B+0.4%	$64.2B+1.3%	$63.4B
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	$18.9B-0.5%	$19.0B+2.9%	$18.4B+5.3%	$17.5B+4.0%	$16.8B+2.4%	$16.4B-3.3%	$17.0B+8.5%	$15.7B
Retained Earnings	$25.4B+2.8%	$24.7B+4.0%	$23.8B+4.1%	$22.9B+3.8%	$22.0B+2.2%	$21.5B+3.3%	$20.8B+3.1%	$20.2B

HIG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$5.9B+0.2%	$5.9B+40.0%	$4.2B+5.3%	$4.0B-2.1%	$4.1B+5.7%	$3.9B
Capital Expenditures	$169.0M+16.6%	$145.0M-32.6%	$215.0M+22.9%	$175.0M+31.6%	$133.0M+16.7%	$114.0M
Free Cash Flow	$5.8B-0.2%	$5.8B+43.9%	$4.0B+4.5%	$3.8B-3.2%	$4.0B+5.4%	$3.8B
Investing Cash Flow	-$3.8B+0.3%	-$3.8B-55.0%	-$2.4B-90.4%	-$1.3B+48.2%	-$2.5B-19.4%	-$2.1B
Financing Cash Flow	-$2.2B-7.7%	-$2.1B-6.6%	-$1.9B+28.2%	-$2.7B-71.4%	-$1.6B+11.1%	-$1.8B
Dividends Paid	$592.0M+6.5%	$556.0M+5.3%	$528.0M+4.3%	$506.0M+4.3%	$485.0M+6.1%	$457.0M
Share Buybacks	$1.6B+6.7%	$1.5B+8.1%	$1.4B-9.7%	$1.6B-8.9%	$1.7B+1034.7%	$150.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.0B-42.2%	$1.8B-1.6%	$1.8B+42.4%	$1.3B+31.1%	$985.0M-47.4%	$1.9B+11.7%	$1.7B+33.2%	$1.3B
Capital Expenditures	$31.0M-32.6%	$46.0M+2.2%	$45.0M+12.5%	$40.0M+5.3%	$38.0M+246.2%	-$26.0M-143.3%	$60.0M-1.6%	$61.0M
Free Cash Flow	$1.0B-42.5%	$1.8B-1.7%	$1.8B+43.3%	$1.3B+32.1%	$947.0M-48.8%	$1.8B+14.2%	$1.6B+34.9%	$1.2B
Investing Cash Flow	-$332.0M+74.4%	-$1.3B+1.2%	-$1.3B-77.0%	-$743.0M-85.3%	-$401.0M+70.4%	-$1.4B-24.5%	-$1.1B-22.6%	-$888.0M
Financing Cash Flow	-$663.0M-22.8%	-$540.0M+0.7%	-$544.0M-0.2%	-$543.0M+10.7%	-$608.0M-11.2%	-$547.0M-5.2%	-$520.0M-8.3%	-$480.0M
Dividends Paid	$167.0M+14.4%	$146.0M-0.7%	$147.0M-1.3%	$149.0M-0.7%	$150.0M+9.5%	$137.0M-0.7%	$138.0M-1.4%	$140.0M
Share Buybacks	$450.0M+12.5%	$400.0M0.0%	$400.0M-3.6%	$415.0M+3.8%	$400.0M-3.4%	$414.0M+3.5%	$400.0M+14.3%	$350.0M

HIG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	13.5%+1.8pp	11.7%+1.5pp	10.2%+2.1pp	8.1%-2.5pp	10.6%+2.1pp	8.5%
Return on Equity	20.2%+1.3pp	18.9%+2.6pp	16.3%+3.0pp	13.3%-0.0pp	13.3%+4.0pp	9.4%
Return on Assets	4.5%+0.6pp	3.8%+0.6pp	3.3%+0.8pp	2.5%-0.6pp	3.1%+0.8pp	2.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.23-0.0	0.27-0.0	0.28-0.0	0.32+0.0	0.28+0.0	0.23
FCF Margin	20.3%-1.4pp	21.7%+5.4pp	16.3%-0.8pp	17.1%-0.6pp	17.7%-0.6pp	18.3%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.8%-3.6pp	15.4%+0.5pp	14.9%+0.7pp	14.2%+5.0pp	9.3%-3.1pp	12.4%+1.0pp	11.4%-0.0pp	11.4%
Return on Equity	4.5%-1.4pp	6.0%+0.1pp	5.9%+0.2pp	5.7%+1.9pp	3.7%-1.4pp	5.2%+0.7pp	4.5%-0.2pp	4.7%
Return on Assets	1.0%-0.3pp	1.3%+0.1pp	1.3%+0.1pp	1.2%+0.4pp	0.8%-0.3pp	1.1%+0.1pp	0.9%+0.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.230.0	0.230.0	0.24-0.0	0.250.0	0.260.0	0.270.0	0.26-0.0	0.28
FCF Margin	14.0%-10.0pp	24.0%-0.8pp	24.8%+6.9pp	17.9%+4.0pp	13.9%-13.0pp	26.9%+2.9pp	24.0%+5.5pp	18.5%

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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 $177.0M 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.

Does The Hartford Insurance Group Inc buy back shares?

Yes, The Hartford Insurance Group Inc (HIG) spent $1.6B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

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 6 computable signals; 3 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.