HIGNYSEFire, Marine & Casualty InsuranceFiscal year ends December 31Also trades as HIG.PG
HARTFORD INSURANCE GROUP, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 23, 2026
$134.33−0.79 (-0.58%)
Close on Oct 19, 2026
- Market cap
- $37.12B
- P/E (TTM)
- 8.7
- Dividend yield
- 1.61%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
13.5%+5.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +6.9% | +8.3% | +6.7% | +5.9% | |
| Net income | +23.3% | +28.2% | +17.2% | +8.6% | |
| EPS, diluted | +28.7% | +34.6% | +22.9% | +12.9% | |
| Free cash flow | -0.2% | +14.5% | +8.9% | +8.9% | |
| Dividend per share | +11.9% | +11.0% | +10.7% | +10.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 5.2% | 10.0% | 21.7% | |
| Return on assets | 0.4% | 2.4% | 4.6% | |
| Debt to equity | 0.29 | 0.24 | 0.23 | |
| Capex to revenue | 1.4% | 0.6% | 0.6% | |
| Diluted shares | 395M | 361M | 287M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Hartford Insurance generated $24.15B from operations and spent $11.29B on capital expenditure, dividends and share buybacks. 7% of that went back into the business.
Generated
$24.15B
Used
$11.29B
Capital expenditure$837.00M7%Dividends$2.67B24%Share buybacks$7.78B69%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin13.5%
×Asset turnover0.34×
×Equity multiplier4.71×
=Return on equity, FY202521.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 13.5% | 0.34× | 4.71× | 21.7% |
| FY2024 | 11.7% | 0.34× | 4.96× | 19.6% |
| FY2023 | 10.2% | 0.33× | 5.16× | 17.3% |
| FY2022 | 8.1% | 0.30× | 4.75× | 11.6% |
| FY2021 | 10.6% | 0.30× | 4.15× | 13.1% |
| FY2020 | 8.5% | 0.28× | 4.17× | 10.0% |
| FY2019 | 10.1% | 0.31× | 4.53× | 14.2% |
| FY2018 | 9.5% | 0.13× | 10.81× | 13.6% |
| FY2017 | -18.2% | 0.08× | 14.80× | -20.6% |
| FY2016 | 5.5% | 0.07× | 13.11× | 5.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
7of 7 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$3.84B
- Cash generatingOperating cash flow above zero$5.92B
- Return on assets improvedROA up on the prior year4.1% → 4.7%
- Earnings backed by cashOperating cash flow above net income$5.92B vs $3.84B
- Less leverageLong-term debt to assets fell5.4% → 5.1%
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise299M → 287M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.35 → 0.35