HIG
Financial ServicesThe Hartford Financial Services Group, Inc. · Insurance - Property & Casualty · $37B
What is The Hartford Financial Services Group, Inc.?
The Hartford Financial Services Group is a large-cap U.S. insurer offering commercial and personal insurance alongside group benefits. Headquartered in Hartford, Connecticut, the company serves individuals, businesses, and employer groups across the United States and internationally.
The Hartford generates revenue by underwriting insurance risk across several distinct segments. Its Commercial Lines unit covers businesses with workers' compensation, property, liability, marine, and specialty products. The Personal Lines segment sells auto, homeowners, and umbrella policies directly to consumers and through independent agents. A Group Benefits segment provides life, disability, and leave-management solutions to employer groups. A smaller runoff segment manages legacy asbestos and environmental exposures.
The Hartford was incorporated in its current form in 1995 and is headquartered in Hartford, US.
- Commercial property and casualty insurance for businesses
- Personal auto, homeowners, and umbrella coverage
- Group life and disability benefits for employer groups
- Specialty and professional liability products
- Disability underwriting and leave management services
Is HIG a Good Stock to Buy?
UQS Score rates HIG as Good overall, reflecting a balanced profile with meaningful strengths and some areas of caution.
The Risk pillar stands out as a clear strength, suggesting The Hartford manages its balance sheet and underwriting exposures with discipline relative to sector peers. The Valuation pillar is rated Attractive, meaning the stock does not appear stretched on a fundamental basis. Quality also registers as Good, pointing to a reasonably well-run operation.
Both the Moat and Growth pillars are rated Weak, indicating limited competitive differentiation and a slower growth trajectory compared to higher-scoring peers in the financial services sector.
See the exact pillar breakdown and underlying financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does HIG pay dividends?
Yes — The Hartford Financial Services Group, Inc. pays a dividend.
The Hartford pays a regular dividend, consistent with the capital-return culture common among established U.S. property-casualty insurers. Mature insurance franchises like HIG typically generate predictable underwriting cash flows that support steady payouts. Investors seeking income alongside insurance-sector exposure may find this cadence relevant to their screening criteria.
When does HIG report earnings?
The Hartford reports earnings on a quarterly cadence, typical for U.S.-listed financial services companies.
Results across The Hartford's segments tend to reflect underwriting conditions, catastrophe loss activity, and group benefits claims trends. Commercial Lines and Group Benefits are the primary revenue drivers, so quarterly narratives often center on loss ratios and premium growth in those units.
For the most recent quarter's results and guidance, visit The Hartford's investor relations page directly.
HIG Price History
+134.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in The Hartford Financial Services Group, Inc.?
Based on The Hartford Financial Services Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
HIG Long-term Outlook
The Hartford's Growth pillar is rated Weak, suggesting the near-term expansion outlook is more modest than faster-moving peers in financial services. That said, the Strong Risk rating implies the company is well-positioned to weather adverse underwriting cycles without significant balance-sheet stress. The Attractive Valuation label means the market may already be pricing in the subdued growth profile, which could limit downside for patient investors focused on capital preservation and income.
Growth drivers
- Steady commercial insurance demand from small and mid-size businesses
- Employer group benefits expansion as workforce benefit complexity grows
- Disciplined underwriting that supports consistent cash generation
Key risks
- Catastrophe losses and climate-related claims pressure on property lines
- Limited moat may constrain pricing power in competitive commercial markets
- Slow growth trajectory could weigh on long-term total return potential
HIG vs Peers
The Hartford competes across commercial insurance, personal lines, and group benefits — a broad footprint that puts it alongside several large diversified insurers.
Sun Life leans more heavily into life insurance and asset management, with a stronger Canadian and Asian presence compared to HIG's U.S.-centric commercial focus.
AIG operates at a larger global scale across commercial and personal lines, though it has historically carried a more complex risk profile than The Hartford.
Arch Capital is a specialty insurer and reinsurer with a more concentrated underwriting focus, often viewed as a higher-growth alternative within the property-casualty space.
Frequently Asked Questions
What does The Hartford do?
The Hartford provides commercial and personal insurance, group life and disability benefits, and specialty coverage products. It serves businesses, individuals, and employer groups primarily in the United States, with some international operations. Revenue comes from underwriting premiums, investment income on float, and fee-based services like disability administration.
Does HIG pay dividends?
Yes, The Hartford pays a regular dividend. The company's mature underwriting business generates relatively predictable cash flows, which supports consistent shareholder returns. Investors should check the company's investor relations page for the current dividend rate and payment schedule.
When does HIG report earnings?
The Hartford reports on a quarterly cadence, as is standard for U.S.-listed insurers. Exact dates vary each quarter. For upcoming earnings dates, refer to The Hartford's investor relations page or a financial calendar service.
Is HIG a good stock to buy?
UQS Score rates HIG as Good overall. The Risk pillar is Strong and Valuation is Attractive, which are positives for risk-conscious investors. However, the Moat and Growth pillars are both Weak, suggesting limited competitive differentiation and slower expansion. The full pillar breakdown is available to Pro members at uqs-score.com.
Is HIG overvalued?
The UQS Valuation pillar for HIG is rated Attractive, meaning the stock does not appear overpriced on a fundamental basis relative to its profile. This does not constitute a price prediction, but it does suggest the market is not assigning a significant premium to HIG's shares at current levels.
How does HIG compare to its competitors?
Compared to peers like AIG, Sun Life Financial, and Arch Capital, The Hartford occupies a mid-range position in terms of scale and specialization. AIG is larger globally, Arch Capital is more growth-oriented in specialty lines, and Sun Life has a stronger life insurance and asset management mix. UQS Score comparisons are available on each ticker's page.
What is HIG's market cap bracket?
The Hartford is classified as a large-cap company, placing it among the more established and widely followed names in the U.S. financial services sector. Large-cap insurers typically offer greater liquidity and more analyst coverage than smaller peers.
Who founded The Hartford?
The Hartford traces its roots to a Hartford, Connecticut fire insurance company founded in 1810, making it one of the oldest insurance brands in the United States. The current corporate entity was incorporated in 1995. Detailed founding history is widely available through the company's official website.
Is HIG a long-term quality indicator?
From a quality-scoring perspective, HIG's Strong Risk rating and Good Quality pillar suggest a stable, well-managed insurer over the long run. However, the Weak Moat and Weak Growth ratings indicate that long-term compounding potential may be more limited than peers with stronger competitive advantages. Pro members can view the full multi-pillar breakdown.
What is the main competitive advantage of The Hartford?
The Hartford's UQS Moat pillar is rated Weak, suggesting its competitive advantages are not especially durable relative to sector peers. Its strengths lie more in operational risk management and an established distribution network than in a structurally protected market position.
What sector does HIG belong to?
HIG belongs to the Financial Services sector, specifically within the property-casualty and group benefits insurance industry. Investors screening the broader [financial services sector](/sector/financial-services) can compare HIG against other insurers and diversified financial companies.
Is HIG a growth stock or value stock?
Based on UQS pillar labels, HIG leans toward the value end of the spectrum. The Growth pillar is rated Weak, indicating limited near-term expansion momentum, while the Valuation pillar is Attractive — a combination more consistent with a value-oriented profile than a high-growth one.
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Pro Analysis
HIG — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 63.9 | 75.1 | 37.0 | 35.8 | 100.0 | 91.5 | +0.4 |
| May 2, 2026 | 63.5 | 74.0 | 37.0 | 36.0 | 100.0 | 90.1 | -0.1 |
| Apr 26, 2026 | 63.6 | 74.0 | 37.0 | 36.3 | 100.0 | 90.2 | -0.1 |
| Apr 25, 2026 | 63.7 | 74.0 | 37.0 | 36.8 | 100.0 | 90.2 | -0.2 |
| Apr 24, 2026 | 63.9 | 74.0 | 37.0 | 37.0 | 100.0 | 91.5 | +0.1 |
| Apr 21, 2026 | 63.8 | 74.0 | 37.0 | 36.9 | 100.0 | 91.2 | +1.1 |
| Apr 18, 2026 | 62.7 | 74.0 | 37.0 | 31.5 | 100.0 | 91.1 | -0.3 |
| Apr 15, 2026 | 63.0 | 74.0 | 37.0 | 31.5 | 100.0 | 92.9 | 0.0 |
| Apr 14, 2026 | 63.0 | 74.0 | 37.0 | 31.6 | 100.0 | 93.1 | -0.1 |
| Apr 12, 2026 | 63.1 | 74.0 | 37.0 | 31.6 | 100.0 | 93.3 | 0.0 |
HIG — Pillar Breakdown
Quality
— 75.1/100 (25%)The Hartford Financial Services Group, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 35.8/100 (20%)The Hartford Financial Services Group, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 100.0/100 (15%)The Hartford Financial Services Group, Inc. carries minimal financial risk with conservative leverage and strong solvency.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 91.4/100 (15%)The Hartford Financial Services Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 37/100 (25%)The Hartford Financial Services Group, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HIG.
Score Composition
Financial Data
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How is the HIG UQS Score Calculated?
The UQS (Unified Quality Score) for The Hartford Financial Services Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses The Hartford Financial Services Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether The Hartford Financial Services Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.