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. (HIG) Financials

HIG

Trailing 12 months to June 30, 2026

Revenue $29.3B +8.0% YoY

Net Income $4.4B +34.5% YoY

EPS (Diluted) $15.47 +40.3% YoY

Free Cash Flow $5.6B -0.4% YoY

Market Cap $37.0B as of Oct 23, 2026

Price / Sales 1.3x on $29.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.5x on $4.4B net income, trailing 12 months to June 30, 2026

Price / Book 1.9x on $19.6B equity, Q2 FY2026

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 Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 23, 2026 Currency USD FYE December

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).

Rhea AI HIG FY2025 2026-10-24

The Hartford is turning moderate top-line growth into faster profit growth while keeping debt modest and reinvestment light.

From FY2023 to FY2025, net income grew 53.2% while revenue grew 15.7%; earnings improved faster than the top line, pointing to a profitability shift rather than mere volume expansion. The reported net-profit margin also widened 3.3 percentage points over that span, reinforcing that the improvement appeared after costs, not just in sales.

FY2025 operating cash flow reached $5.9B versus net income of $3.8B, so reported earnings were accompanied by cash generation rather than relying solely on accrual accounting. The supplied cash-to-net-income measure was 154.4%, and free cash flow was $5.8B, showing that cash was not being absorbed by large reinvestment demands.

Liabilities represented 77.9% of assets in FY2025 versus 80.0% in FY2023, indicating a less liability-heavy balance-sheet structure. Debt-to-equity was 0.2x in FY2025, while capital expenditures were 0.6% of revenue; reported asset growth was not funded by heavy borrowing or physical reinvestment.

Financial Health Signals

Financial Health Score (4 of 6 dimensions) 55/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. 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

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.

Premium Growth

n/a

Not available for The Hartford Insurance Group, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Capital

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 42/100 among other insurers.

Investment Yield

n/a

Not available for The Hartford Insurance Group, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Combined Ratio

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.

Stability

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.

Piotroski F-Score Partial

7/7

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, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.3B

YoY+8.1%

QoQ+0.5%

5Y CAGR+5.4%

10Y CAGR+5.9%

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%.

Net Income

$1.3B

YoY+30.5%

QoQ+51.6%

5Y CAGR+7.5%

10Y CAGR+19.6%

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%.

EPS (Diluted)

$4.68

YoY+36.0%

QoQ+53.9%

5Y CAGR+13.3%

10Y CAGR+24.1%

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%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$1.1B

YoY-14.1%

QoQ+5.9%

5Y CAGR+5.7%

10Y CAGR+11.4%

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%.

Cash & Debt

$203.0M

YoY-7.3%

QoQ-7.7%

5Y CAGR-8.0%

10Y CAGR-7.9%

The Hartford Insurance Group, Inc. held $203.0M in cash against $4.4B in long-term debt as of Q2 2026.

Dividends Per Share

$0.60

YoY+15.4%

QoQ0.0%

5Y CAGR+11.4%

10Y CAGR+11.1%

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.

Shares Outstanding

271M

YoY-3.7%

QoQ-1.2%

5Y CAGR-4.8%

10Y CAGR-3.5%

The Hartford Insurance Group, Inc. had 271M shares outstanding in Q2 2026. This represents a decrease of 3.7% from the same quarter a year earlier. Against the prior quarter it is down 1.2%.

Margins & Returns

Net Margin

17.9%

YoY+3.0pp

QoQ+6.0pp

5Y change+1.7pp

10Y change+12.6pp

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.

Return on Equity

6.6%

YoY+0.9pp

QoQ+2.1pp

5Y change+1.7pp

10Y change+5.5pp

The Hartford Insurance Group, Inc.'s quarterly ROE was 6.6% in Q2 2026: one quarter's net income over shareholder equity, not annualized. 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.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$466.0M

YoY+12.3%

QoQ+3.6%

5Y CAGR-3.9%

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%.

Capital Expenditures

$115.0M

YoY+187.5%

QoQ+271.0%

5Y CAGR+36.8%

10Y CAGR+8.1%

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%.

R&D Spending

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.

HIG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$29.3B	$28.4B+6.9%	$26.5B+8.2%	$24.5B+9.7%	$22.4B-0.1%	$22.4B+9.1%	$20.5B-1.0%	$20.7B+9.4%	$19.0B+10.4%	$17.2B+5.3%	$16.3B+1.8%	$16.0B-14.1%	$18.6B-10.0%	$20.7B-6.4%	$22.1B+1.6%	$21.7B
SG&A Expenses	$5.8B	$5.6B+6.2%	$5.3B+7.7%	$4.9B+0.8%	$4.8B+1.0%	$4.8B+6.9%	$4.5B-2.2%	$4.6B+7.0%	$4.3B	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$199.0M	$199.0M0.0%	$199.0M0.0%	$199.0M-6.6%	$213.0M-9.0%	$234.0M-0.8%	$236.0M-8.9%	$259.0M-13.1%	$298.0M-5.7%	$316.0M-3.4%	$327.0M-5.5%	$346.0M-8.0%	$376.0M-5.3%	$397.0M-13.1%	$457.0M-10.0%	$508.0M
Income Tax	$987.0M	$924.0M+25.2%	$738.0M+26.4%	$584.0M+31.8%	$443.0M-17.0%	$534.0M+39.4%	$383.0M-19.4%	$475.0M+77.2%	$268.0M-72.8%	$985.0Mn/m	-$166.0M-157.4%	$289.0M-17.4%	$350.0M+42.3%	$246.0Mn/m	-$309.0Mn/m	-$373.0M
Net Income	$4.4B	$3.8B+23.3%	$3.1B+24.2%	$2.5B+37.7%	$1.8B-23.3%	$2.4B+36.5%	$1.7B-16.7%	$2.1B+15.4%	$1.8Bn/m	-$3.1B-449.4%	$896.0M-46.7%	$1.7B+110.8%	$798.0M+353.4%	$176.0Mn/m	-$38.0M-105.3%	$712.0M
EPS (Basic)	N/A	$13.51+28.5%	$10.51+29.9%	$8.09+46.0%	$5.54-17.7%	$6.73+40.5%	$4.79-16.3%	$5.72+13.7%	$5.03n/m	-$8.61-472.7%	$2.31-43.0%	$4.05+123.8%	$1.81+389.2%	$0.37	-$0.18	$1.51
EPS (Diluted)	$15.47	$13.32+28.7%	$10.35+29.9%	$7.97+46.0%	$5.46-17.8%	$6.64+39.5%	$4.76-15.9%	$5.66+14.3%	$4.95n/m	-$8.61-479.3%	$2.27-42.7%	$3.96+128.9%	$1.73+380.6%	$0.36	-$0.17	$1.40
Diluted Shares (Avg)	N/A	287M-4.1%	299M-4.1%	312M-5.5%	330M-6.9%	354M-1.8%	361M-1.2%	365M+0.2%	364M+0.1%	364M-7.9%	395M-7.1%	425M-7.6%	460M-6.2%	491M	466M	478M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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

HIG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$86.0B+6.3%	$80.9B+5.4%	$76.8B+5.2%	$73.0B-4.7%	$76.6B+3.3%	$74.1B+4.7%	$70.8B+13.7%	$62.3B-72.3%	$225.3B+0.3%	$224.6B-1.7%	$228.3B-6.8%	$245.0B-11.8%	$277.9B-6.9%	$298.5B-1.4%	$302.6B
Cash & Equivalents	$166.0M-29.1%	$234.0M+23.8%	$189.0M-45.1%	$344.0M+2.1%	$337.0M+41.0%	$239.0M-8.8%	$262.0M+116.5%	$121.0M-32.8%	$180.0M-45.1%	$328.0M+129.4%	$143.0M+1.4%	$141.0M-90.1%	$1.4B-41.0%	$2.4B-6.2%	$2.6B
Short-Term Investments	$4.0B-1.6%	$4.1B+5.7%	$3.9B-0.2%	$3.9B+4.4%	$3.7B+12.6%	$3.3B+12.4%	$2.9B-31.8%	$4.3B+88.7%	$2.3B-30.0%	$3.2B+76.0%	$1.8B-62.3%	$4.9B+21.8%	$4.0B-12.5%	$4.6B-40.8%	$7.7B
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$521.0M-53.2%	$1.1B-53.5%	$2.4B
Goodwill	$1.6B-14.2%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B-0.1%	$1.9B+48.3%	$1.3B0.0%	$1.3B+127.5%	$567.0M+13.9%	$498.0M0.0%	$498.0M0.0%	$498.0M-23.9%	$654.0M-35.0%	$1.0B
Total Liabilities	$67.0B+4.0%	$64.5B+4.9%	$61.5B+3.6%	$59.3B+1.0%	$58.7B+5.7%	$55.6B+1.8%	$54.5B+10.9%	$49.2B-76.8%	$211.8B+2.0%	$207.7B-1.4%	$210.7B-6.9%	$226.3B-12.6%	$259.0B-6.2%	$276.1B-1.8%	$281.1B
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+0.1%	$4.3B+1.9%	$4.3B-8.8%	$4.7B+4.1%	$4.5B-11.6%	$5.1B-10.1%	$5.7B-7.4%	$6.1B-10.3%	$6.8B+9.5%	$6.2B
Total Equity	$19.0B+15.4%	$16.4B+7.3%	$15.3B+12.1%	$13.7B-23.2%	$17.8B-4.0%	$18.6B+14.1%	$16.3B+24.2%	$13.1B-2.9%	$13.5B-20.2%	$16.9B-4.2%	$17.6B-5.8%	$18.7B-1.0%	$18.9B-15.8%	$22.4B+4.5%	$21.5B
Retained Earnings	$24.7B+14.9%	$21.5B+13.3%	$19.0B+11.4%	$17.1B+8.2%	$15.8B+13.3%	$13.9B+9.7%	$12.7B+14.7%	$11.1B+14.7%	$9.6B-26.5%	$13.1B+4.5%	$12.6B+12.1%	$11.2B+4.8%	$10.7B-0.6%	$10.7B-2.3%	$11.0B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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%
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, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

HIG Cash Flow Statement

HIG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$5.9B	$5.9B+0.2%	$5.9B+40.0%	$4.2B+5.3%	$4.0B-2.1%	$4.1B+5.7%	$3.9B+10.9%	$3.5B+22.7%	$2.8B+30.1%	$2.2B+5.8%	$2.1B-25.0%	$2.8B+46.1%	$1.9B+52.5%	$1.2B-53.9%	$2.7B+17.9%	$2.3B
Depreciation & Amortization	N/A	$187.0M+5.6%	$177.0M-13.2%	$204.0M-4.2%	$213.0M-24.5%	$282.0M+4.1%	$271.0M-4.2%	$283.0M+22.0%	$232.0M+17.8%	$197.0M+5.9%	$186.0M+13.4%	$164.0M-17.2%	$198.0M+13.8%	$174.0M-4.9%	$183.0M-15.3%	$216.0M
Stock-Based Compensation	N/A	$141.0M+6.0%	$133.0M+6.4%	$125.0M-4.6%	$131.0M+2.3%	$128.0M+10.3%	$116.0M-7.2%	$125.0M-3.8%	$130.0M+12.1%	$116.0M+43.2%	$81.0M+1057.1%	$7.0Mn/m	$0-100.0%	$1.0M-98.9%	$95.0M+79.2%	$53.0M
Capital Expenditures	$7.0M	$169.0M+16.6%	$145.0M-32.6%	$215.0M+22.9%	$175.0M+31.6%	$133.0M+16.7%	$114.0M+8.6%	$105.0M-13.9%	$122.0M-51.2%	$250.0M+11.6%	$224.0M-27.0%	$307.0M+153.7%	$121.0M+89.1%	$64.0M-3.0%	$66.0M	N/A
Free Cash Flow	$5.6B	$5.8B-0.2%	$5.8B+43.9%	$4.0B+4.5%	$3.8B-3.2%	$4.0B+5.4%	$3.8B+11.0%	$3.4B+24.4%	$2.7B+40.5%	$1.9B+5.1%	$1.8B-24.8%	$2.4B+38.8%	$1.8B+50.5%	$1.2B-55.1%	$2.6B	N/A
Investing Cash Flow	-$3.5B	-$3.8Bn/m	-$3.8Bn/m	-$2.4Bn/m	-$1.3Bn/m	-$2.5Bn/m	-$2.1Bn/m	-$2.1Bn/m	-$2.0Bn/m	-$1.4B-251.9%	$949.0M+95.7%	$485.0M-71.4%	$1.7B-54.7%	$3.7Bn/m	-$2.6Bn/m	-$1.2B
Financing Cash Flow	-$2.4B	-$2.2Bn/m	-$2.1Bn/m	-$1.9Bn/m	-$2.7Bn/m	-$1.6Bn/m	-$1.8Bn/m	-$1.2Bn/m	-$1.5Bn/m	-$979.0Mn/m	-$2.5Bn/m	-$3.1Bn/m	-$4.5Bn/m	-$5.8Bn/m	-$228.0Mn/m	-$609.0M
Dividends Paid	$625.0M	$592.0M+6.5%	$556.0M+5.3%	$528.0M+4.3%	$506.0M+4.3%	$485.0M+6.1%	$457.0M+5.5%	$433.0M+14.2%	$379.0M+11.1%	$341.0M+2.1%	$334.0M+5.7%	$316.0M+12.1%	$282.0M+39.6%	$202.0M+15.4%	$175.0M+14.4%	$153.0M
Share Buybacks	$1.7B	$1.6B+6.7%	$1.5B+8.1%	$1.4B-9.7%	$1.6B-8.9%	$1.7B+1034.7%	$150.0M-25.0%	$200.0Mn/m	$0-100.0%	$1.0B-22.7%	$1.3B+6.4%	$1.3B-30.4%	$1.8B+199.3%	$600.0M+289.6%	$154.0M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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%	-$74.0Mn/m	$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	-$551.0Mn/m	-$332.0Mn/m	-$1.3Bn/m	-$1.3Bn/m	-$743.0Mn/m	-$401.0Mn/m	-$1.4Bn/m	-$1.1Bn/m
Financing Cash Flow	-$634.0Mn/m	-$663.0Mn/m	-$540.0Mn/m	-$544.0Mn/m	-$543.0Mn/m	-$608.0Mn/m	-$547.0Mn/m	-$520.0Mn/m
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.

HIG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	13.5%+1.8pp	11.7%+1.5pp	10.2%+2.1pp	8.1%-2.5pp	10.6%+2.1pp	8.5%-1.6pp	10.1%+0.5pp	9.5%+27.8pp	-18.2%-23.7pp	5.5%-5.0pp	10.5%+6.2pp	4.3%+3.4pp	0.9%+1.0pp	-0.2%-3.5pp	3.3%
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%-3.4pp	12.8%-1.0pp	13.8%+37.0pp	-23.2%-28.5pp	5.3%-4.2pp	9.5%+5.3pp	4.3%+3.3pp	0.9%+1.1pp	-0.2%-3.5pp	3.3%
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%-0.6pp	2.9%0.0pp	2.9%+4.3pp	-1.4%-1.8pp	0.4%-0.3pp	0.7%+0.4pp	0.3%+0.3pp	0.1%+0.1pp	0.0%-0.2pp	0.2%
Debt-to-Equity	0.230.0x	0.270.0x	0.280.0x	0.320.0x	0.280.0x	0.230.0x	0.27-0.1x	0.330.0x	0.35+0.1x	0.270.0x	0.290.0x	0.300.0x	0.320.0x	0.300.0x	0.29
Liabilities-to-Equity	3.53-0.4x	3.92-0.1x	4.01-0.3x	4.34+1.0x	3.30+0.3x	2.99-0.4x	3.35-0.4x	3.76-11.9x	15.69+3.4x	12.29+0.3x	11.94-0.1x	12.09-1.6x	13.70+1.4x	12.30-0.8x	13.08
Asset Turnover	0.330.0x	0.330.0x	0.320.0x	0.310.0x	0.290.0x	0.280.0x	0.290.0x	0.30+0.2x	0.080.0x	0.070.0x	0.070.0x	0.080.0x	0.070.0x	0.070.0x	0.07
FCF Margin	20.3%-1.4pp	21.7%+5.4pp	16.3%-0.8pp	17.1%-0.6pp	17.7%-0.6pp	18.3%+2.0pp	16.3%+2.0pp	14.4%+3.1pp	11.3%0.0pp	11.3%-4.0pp	15.3%+5.8pp	9.5%+3.8pp	5.7%-6.2pp	11.8%	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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
Liabilities-to-Equity	3.48-0.3x	3.57-0.3x	3.53-0.4x	3.61-0.2x	3.77-0.3x	3.89-0.1x	3.92-0.1x	3.78-0.7x
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	55/100
The Allstate Corporation ALL	FY2025	$67.7B	$10.3B	15.2%	$64.0B	46/100
W.R. Berkley Corporation WRB	FY2025	$14.7B	$1.8B	12.1%	$27.2B	63/100
Markel Group Inc. MKL	FY2025	$15.5B	$2.1B	13.6%	$23.2B	47/100
Cincinnati Financial Corp CINF	FY2025	$12.6B	$2.4B	18.9%	$27.1B	60/100
The Travelers Companies, Inc. TRV	FY2025	$48.8B	$6.3B	12.9%	$81.6B	55/100

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 $4.4B over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $3.8B, 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.

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.

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. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is The Hartford Insurance Group, Inc.'s liabilities-to-equity ratio?

The Hartford Insurance Group, Inc. (HIG) had a liabilities-to-equity ratio of 3.53 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-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 $4.4B net income, trailing 12 months to June 30, 2026. The market capitalization is $37.0B as of Oct 23, 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 $29.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $37.0B as of Oct 23, 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.

How financially healthy is The Hartford Insurance Group, Inc.?

The Hartford Insurance Group, Inc. (HIG) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is the average 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. For The Hartford Insurance Group, Inc. it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.