The Hartford Insurance Group, Inc. (HIG) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q4 26	$3.14	$3.42	+8.9%	—	—	—
Q3 26	$2.91	$3.09	+6.2%	—	—	—
Q2 26	$3.22	$4.06	+26.1%	—	—	—
Q1 26	$3.31	$3.77	+13.9%	—	—	—
Q4 25	$2.83	$3.41	+20.5%	—	—	—
Q3 25	$2.15	$2.2	+2.3%	—	—	—
Q2 25	$2.64	$2.94	+11.4%	—	—	—
Q1 25	$2.53	$2.53	0.0%	—	—	—
Q4 24	$2.25	$2.5	+11.1%	—	—	—
Q3 24	$2.44	$2.34	-4.1%	—	—	—
Q2 24	$2.41	$3.06	+27.0%	—	—	—
Q1 24	$1.98	$2.29	+15.7%	—	—	—
Q4 23	$1.85	$1.88	+1.6%	—	—	—
Q3 23	$1.72	$1.68	-2.3%	—	—	—
Q2 23	$1.87	$2.31	+23.5%	—	—	—
Q1 23	$1.24	$1.44	+16.1%	—	—	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$13.5	—	—	$28.1B	—
FY24	—	$10.5	—	—	$26.4B	—
FY23	—	$8.09	—	—	$24.3B	—
FY22	—	$5.69	—	—	$21.9B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$16.3B	$17.2B	$18.8B	$20.5B	$20.3B	$21.6B	$21.9B	$24.3B	$26.4B	$28.1B
YoY change	+1.84%	+5.35%	+9.25%	+9.38%	-0.92%	+6.54%	+0.95%	+11.3%	+8.44%	+6.39%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	16.3B	17.2B	18.8B	20.5B	20.3B	21.6B	21.9B	24.3B	26.4B	28.1B
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	—	—	—	—	—	—	—	—	—	—
Operating expenses	—	—	—	—	19M	-9M	7M	15M	-3M	6M
Operating income	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	86M	85M	105M	170M	126M	81M	73M	84M	88M	110M
Pretax income	447M	723M	1.8B	2.6B	2.1B	2.9B	2.3B	3.1B	3.8B	4.8B
Income tax	-166M	985M	268M	475M	383M	534M	443M	584M	738M	924M
Net income	896M	-3.1B	1.8B	2.1B	1.7B	2.4B	1.8B	2.5B	3.1B	3.8B
Net margin	5.5%	-18.2%	9.64%	10.2%	8.55%	11%	8.32%	10.3%	11.8%	13.7%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	2.31	-8.61	5.03	5.72	4.79	7	5.69	8.09	10.5	13.5
Diluted EPS	2.27	-8.61	4.95	5.66	4.76	1.47	5.44	7.97	10.3	13.3

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	6.1B	6.3B	6.4B	6.5B	6.7B	6.8B	6.8B	7B	7.1B	7.2B	7.2B	7.1B
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	—	—	—	—	—	—	—	—	—	—	—	—
Operating expenses	5M	5M	-3M	—	—	0	—	—	6M	0	—	—
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	21M	18M	19M	26M	24M	19M	22M	30M	31M	27M	27M	34M
Pretax income	813M	950M	911M	912M	952M	1.1B	783M	1.2B	1.3B	1.4B	1.1B	1.2B
Income tax	162M	179M	158M	174M	185M	221M	153M	251M	238M	282M	201M	251M
Net income	651M	771M	753M	738M	767M	853M	630M	995M	1.1B	1.1B	856M	1.3B
Net margin	10.7%	12.2%	11.8%	11.4%	11.4%	12.5%	9.3%	14.3%	15.1%	15.8%	12%	18.2%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	2.12	2.55	2.51	2.48	2.6	2.93	2.18	3.49	3.82	4.05	3.08	4.73
Diluted EPS	2.09	2.51	2.47	2.44	2.56	2.88	2.15	3.44	3.77	3.98	3.04	4.68

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	18.5B	20.5B	15.9B	21.9B	17.5B	23.1B	23.9B	24.7B	32.2B	38.9B	34.1B
Enterprise value	-12B	-15B	-19.4B	-18.5B	-26.6B	-18.7B	-12.1B	-14.7B	15.8B	21.1B	34.4B
Shares outstanding	387.7M	363.7M	358.4M	360.9M	358.3M	334.9M	315.1M	307.1M	293.9M	282.4M	282.4M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	20.6	—	8.82	10.5	10.1	9.75	13.1	9.86	10.3	10.1	8.68
P/S	1.13	1.19	0.85	1.07	0.86	1.07	1.09	1.01	1.22	1.39	1.16
P/B	1.09	1.52	1.22	1.35	0.95	1.3	1.75	1.61	1.95	2.05	1.77
EV/EBITDA	—	—	—	—	—	—	—	—	—	—	6.15
EV/Sales	-0.73	-0.87	-1.04	-0.9	-1.31	-0.86	-0.55	-0.61	0.6	0.75	1.17
Earnings yield	4.85%	—	11.3%	9.51%	9.9%	10.3%	7.61%	10.1%	9.68%	9.86%	11.5%
FCF yield	9.97%	9.46%	17.1%	15.4%	21.4%	17.1%	16%	16.2%	17.9%	14.8%	16.1%
PEG	—	—	—	—	—	—	—	—	—	—	0.24

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	—	—	—	—	—	—	—	—	—	—	17.6%
Net margin	5.5%	-18.2%	9.64%	10.2%	8.55%	11%	8.32%	10.3%	11.8%	13.7%	14.9%
ROE	5.3%	-23.2%	13.8%	12.8%	9.36%	13.3%	13.3%	16.3%	18.9%	20.2%	22.1%
ROA	—	—	—	—	—	—	—	—	3.84%	4.46%	3.85%
Return on tangible assets	—	—	—	—	—	—	—	—	4.1%	4.73%	5.22%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	—	—	—	—	—	—	—	—	—	—	1.77
Debt / equity	0.29	0.37	0.36	0.3	0.23	0.28	0.32	0.28	0.27	0.23	0.22
Debt / assets	—	—	—	—	—	—	—	—	0.05	0.05	0.05
Net debt / EBITDA	—	—	—	—	—	—	—	—	—	—	0.07
Interest coverage	2.37	3.29	6.88	10.9	9.98	13.4	11.6	16.5	20.3	24.9	26.2
Effective tax rate	0%	100%	15.3%	18.6%	18.1%	18.4%	19.6%	18.9%	19.2%	19.4%	19.4%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	42	47.2	52.3	56.8	56.7	64.6	69.4	79.2	89.8	99.4	105.8
EPS (basic)	2.31	-8.61	5.03	5.72	4.79	7	5.69	8.09	10.5	13.5	13.5
EPS (diluted)	2.27	-8.61	4.95	5.66	4.76	1.47	5.44	7.97	10.3	13.3	14.5
Book value per share	43.6	37.1	36.6	45.1	51.8	53.3	43.4	49.9	56	67.2	71.1
FCF per share	4.75	5.32	7.59	9.38	10.5	11.8	12.2	13	19.6	20.4	21
Cash per share	91.2	111.2	111.7	125.4	135.3	139.6	128	142.6	70.4	78.4	14.7
Capex per share	0.58	0.69	0.34	0.29	0.32	0.4	0.56	0.7	0.49	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	1.37%	1.46%	0.65%	0.51%	0.56%	0.61%	0.8%	0.88%	0.55%	—	—
Capex / operating cash flow	-50.3%	-4.83%	25.5%	10.1%	69.9%	-84.7%	-13.9%	-63%	95.4%	—	—
Payout ratio	37.3%	-10.9%	21%	21.8%	27.5%	21.3%	29%	21.9%	18.5%	16%	16%
Dividend yield	1.81%	1.67%	2.38%	2.07%	2.72%	2.19%	2.21%	2.22%	1.79%	1.58%	1.9%

Yield

1.9%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.60

ex-dividend Sep 1, 2026

Payout ratio

16%

of earnings

Dividend growth

13 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Sep 1, 2026	$0.60
Jun 1, 2026	$0.60
Mar 2, 2026	$0.60

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$6.1B	$6.3B	$6.4B	$6.5B	$6.7B	$6.8B	$6.8B	$7B	$7.1B	$7.2B	$7.2B	$7.1B
YoY change	+10.6%	+8.14%	+8.77%	+7.44%	+10%	+7.54%	+5.8%	+7.79%	+6.45%	+5.57%	+5.61%	+2.51%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	35.4B	40.4B	40B	45.3B	48.5B	46.7B	40.3B	43.8B	20.7B	22.1B
Receivables	7.4B	8B	8.4B	9.9B	10.3B	11B	11.9B	12.7B	13.1B	13.5B
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	—	—	—	—	—	—	—	—
Goodwill & intangibles	1.2B	3.9B	3.9B	6B	5.7B	5.5B	5.4B	5.2B	5.1B	5B
Total assets	—	—	—	—	—	—	—	—	80.9B	86B
Accounts payable	—	—	—	—	—	—	—	—	—	—
Short-term debt	416M	320M	413M	500M	0	—	0	0	0	0
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	4.5B	4.7B	4.3B	4.3B	4.4B	4.9B	4.4B	4.4B	4.4B	4.4B
Total liabilities	—	—	—	—	—	—	—	—	64.5B	67B
Shareholders' equity	16.9B	13.5B	13.1B	16.3B	18.6B	17.8B	13.7B	15.3B	16.4B	19B
Total debt	4.9B	5B	4.7B	4.8B	4.4B	4.9B	4.4B	4.4B	4.4B	4.4B
Net debt	4.6B	4.8B	4.6B	4.7B	4.2B	4.7B	4.1B	4.2B	4.2B	4.2B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	41.4B	43.8B	19B	19.6B	20.5B	20.7B	21.1B	21.2B	21.9B	22.1B	21.8B	21B
Receivables	12.5B	12.7B	13.1B	13.4B	13.2B	13.1B	13.6B	13.8B	13.6B	13.5B	13.8B	14B
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	—	—	—	—	—	—	—	—	—	—
Goodwill & intangibles	5.3B	5.2B	5.2B	5.2B	5.1B	5.1B	5.1B	5B	5B	5B	4.9B	4.3B
Total assets	—	—	—	79B	81.2B	80.9B	82.3B	83.6B	85B	86B	86.3B	88B
Accounts payable	—	—	—	—	—	—	—	—	—	—	—	—
Short-term debt	—	0	—	—	—	0	—	—	—	0	—	—
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B
Total liabilities	—	—	—	63.4B	64.2B	64.5B	65.5B	66.1B	66.5B	67B	67.4B	68.3B
Shareholders' equity	13.7B	15.3B	15.5B	15.7B	17B	16.4B	16.8B	17.5B	18.4B	19B	18.9B	19.6B
Total debt	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B	4.4B
Net debt	4.3B	4.2B	4.1B	4.2B	4.1B	4.2B	4.2B	4.2B	4.2B	4.2B	4.2B	4.2B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	896M	-3.1B	1.8B	2.1B	1.7B	2.4B	1.8B	2.5B	3.1B	3.8B
Depreciation & amortization	—	—	—	—	—	—	—	—	—	—
Stock-based compensation	—	—	—	—	—	—	—	—	—	—
Change in working capital	-129M	-1.1B	-339M	427M	-72M	-664M	-1.3B	-899M	-880M	-722M
Operating cash flow	-445M	-5.2B	478M	1B	163M	-157M	-1.3B	-341M	152M	5.9B
Capital expenditure	-224M	-250M	-122M	-105M	-114M	-133M	-175M	-215M	-145M	—
Investing cash flow	1B	-1.1B	-1.5B	-1.6B	-1.8B	-1.6B	-654M	-2.4B	-3.5B	-3.2B
Dividends paid	-334M	-341M	-379M	-454M	-478M	-506M	-527M	-549M	-577M	-613M
Share repurchases	-1.3B	-1B	0	-200M	-150M	-1.7B	-1.6B	-1.4B	-1.5B	-1.6B
Financing cash flow	-2.7B	-2.3B	-830M	-862M	-1.2B	-1.6B	-2.7B	-2B	-2.1B	-2.2B
Net change in cash	-2.2B	-8.5B	-1.8B	-1.5B	-2.8B	-3.3B	-4.6B	-4.7B	-5.4B	539M
Free cash flow	1.8B	1.9B	2.7B	3.4B	3.8B	4B	3.8B	4B	5.8B	5.8B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	651M	771M	753M	738M	767M	853M	630M	995M	1.1B	1.1B	856M	1.3B
Depreciation & amortization	—	—	—	—	—	—	—	—	—	—	—	—
Stock-based compensation	—	—	—	—	—	—	—	—	—	—	—	—
Change in working capital	437M	33M	-688M	-637M	357M	88M	-968M	-456M	355M	347M	-897M	-938M
Operating cash flow	562M	328M	-417M	-457M	553M	473M	-878M	-107M	1.8B	1.8B	1B	1.2B
Capital expenditure	-52M	-64M	-50M	-61M	-60M	26M	-38M	-40M	—	—	—	—
Investing cash flow	-1.3B	-1.2B	-332M	-734M	-1B	-1.4B	-441M	-643M	-1.1B	-1B	-131M	-429M
Dividends paid	-137M	-134M	-146M	-145M	-144M	-142M	-155M	-154M	-153M	-151M	-172M	-170M
Share repurchases	-350M	-350M	-350M	-350M	-400M	-414M	-400M	-415M	-400M	-400M	-450M	-466M
Financing cash flow	-489M	-485M	-502M	-498M	-545M	-553M	-554M	-564M	-555M	-544M	-624M	-638M
Net change in cash	-1.2B	-1.3B	-1.3B	-1.7B	-1B	-1.5B	-1.9B	-1.3B	166M	221M	290M	122M
Free cash flow	1.7B	1.6B	1B	1.2B	1.6B	1.9B	947M	1.3B	1.8B	1.8B	1B	1.2B

The Hartford Insurance Group, Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement

Split history