The Hartford Insurance Group, Inc.
HIG
$136.19
+1.14%
The Hartford Insurance Group, Inc. is a diversified insurance company providing property and casualty insurance, group benefits, and mutual funds. It is a recognized leader in the insurance industry, known for its service excellence, sustainability practices, and strong trust and integrity.…
HIG
The Hartford Insurance Group, Inc.
$136.19
Investment Opinion: Should I buy HIG Today?
Based on a synthesis of the provided data, HIG warrants a 'Buy' rating for value-oriented and defensive investors. The recommendation is grounded in its compelling valuation (PEG of 0.36, forward P/E of 9.33), exceptional financial strength (ROE of 20.2%, strong cash flow), and demonstrated resilience in a down market. While analyst coverage is thin, the fundamental picture is robust. This assessment is an objective evaluation of the available financial and market data.
Sign up to view all
HIG 12-Month Price Forecast
The data strongly supports a bullish view based on valuation and quality. The confidence is medium due to the limited analyst coverage and the ever-present operational risks in the insurance sector, which could derail the positive fundamental story.
Wall Street consensus
Most Wall Street analysts maintain a constructive view on The Hartford Insurance Group, Inc.'s 12-month outlook, with a consensus price target around $177.05 and implied upside of +30.0% versus the current price.
Average Target
$177.05
4 analysts
Implied Upside
+30.0%
vs. current price
Analyst Count
4
covering this stock
Price Range
$109 - $177
Analyst target range
Wall Street analyst coverage for HIG is limited, with only four analysts providing estimates. No consensus target price or ratings distribution data (e.g., Buy/Hold/Sell) was provided in the inputs. Therefore, no sufficient analyst coverage is available to summarize a clear consensus view.
Bulls vs Bears: HIG Investment Factors
HIG presents a compelling mix of strong fundamentals and attractive valuation, particularly its high profitability and low PEG ratio. However, it faces headwinds from limited analyst coverage and inherent cyclical risks in the insurance industry. The stock's recent defensive outperformance suggests it is viewed as a quality hold in volatile markets.
Bullish
- Strong Profitability & ROE: Net margin of 15.5% and ROE of 20.2% indicate excellent operational efficiency.
- Undervalued Based on PEG: PEG ratio of 0.36 suggests the stock is undervalued relative to its growth potential.
- Robust Financial Health: Low debt-to-equity of 0.23 and strong free cash flow of $5.75B provide stability.
- Defensive Market Outperformance: Stock outperformed SPY over 1, 3, and 6-month periods in a declining market.
Bearish
- Limited Analyst Coverage: Only 4 analysts provide estimates, indicating lower institutional interest or visibility.
- Recent Price Weakness: Stock is down nearly 4% over the past month, showing short-term selling pressure.
- Exposure to Insurance Cycles: As an insurer, profits are sensitive to claims frequency and severity (catastrophes).
- Low Dividend Yield: Dividend yield of 1.58% is modest, offering less income appeal.
HIG Technical Analysis
Overall, the stock has shown resilience and a positive trend over the six-month period, gaining 1.72% while the broader market (SPY) declined by 2.82%. The price has recovered from a low near $124 in late October 2025 to trade above $135 as of March 2026. Short-term performance has been mixed; the stock is down 3.98% over the past month but has outperformed the SPY, which fell 5.25%. Over the last three months, it is down 1.87%, again outperforming the SPY's 4.63% decline. The current price of $135.23 is near the middle of its 52-week range ($107.49 to $144.50), sitting approximately 76% of the way from the low to the high. No RSI data was provided for further momentum analysis.
Beta
0.52
0.52x market volatility
Max Drawdown
-12.0%
Largest decline past year
52-Week Range
$107-$145
Price range past year
Annual Return
+9.1%
Cumulative gain past year
| Period | HIG Return | S&P 500 |
|---|---|---|
| 1m | -3.5% | -3.6% |
| 3m | -0.7% | -4.0% |
| 6m | +2.0% | -2.0% |
| 1y | +9.1% | +16.2% |
| ytd | -0.7% | -3.8% |
Bobby - Your AI Investment Partner
Get real-time data, AI-driven personalized investment analysis to make smarter investment decisions
HIG Fundamental Analysis
Revenue and profitability have shown solid year-over-year growth. Q4 2025 revenue of $7.31 billion grew 7.53% from the prior year's Q4. Net income for the quarter was $1.13 billion, resulting in a net margin of 15.5%, which improved from 12.5% in Q4 2024. The company maintains a strong financial position with a low debt-to-equity ratio of 0.23 and robust free cash flow of $5.75 billion on a trailing twelve-month basis. Operational efficiency is highlighted by a strong Return on Equity (ROE) of 20.2% and a healthy current ratio of 17.65, indicating excellent short-term liquidity.
Quarterly Revenue
$7.3B
2025-12
Revenue YoY Growth
+0.07%
YoY Comparison
Gross Margin
+0.48%
Latest Quarter
Free Cash Flow
$5.8B
Last 12 Months
Revenue & Net Income Trends (2 Years)
Revenue Breakdown
Open an Account, get $2 TSLA now!
Valuation Analysis: Is HIG Overvalued?
Given the company's positive net income, the primary valuation metric is the Price-to-Earnings (P/E) ratio. The trailing P/E is 10.14, while the forward P/E is 9.33, suggesting the stock is reasonably valued relative to its earnings. The PEG ratio of 0.36 indicates potential undervaluation when factoring in growth expectations. Peer comparison data (industry averages) was not provided in the valuation inputs, so a relative assessment against the sector is not available.
PE
10.1x
Latest Quarter
vs. Historical
Low-End
5-Year PE Range 6x~24x
vs. Industry Avg
N/A
Industry PE ~N/A*
EV/EBITDA
8.1x
Enterprise Value Multiple
Investment Risk Disclosure
The primary risks for HIG are industry-specific. As a property and casualty insurer, its results are directly exposed to the frequency and severity of catastrophic events (e.g., hurricanes, wildfires), which can lead to volatile underwriting results and earnings. Financial risks appear well-managed, given the low debt-to-equity ratio (0.23) and excellent liquidity (current ratio of 17.65). Market risk is below average, as evidenced by a low beta of 0.52, meaning the stock is less volatile than the broader market. A key investor risk is the stock's lower visibility, with only four analysts providing coverage, which could lead to higher price volatility on news. Furthermore, while the company has shown strong recent growth, the insurance industry is mature and competitive, posing a risk to sustained high growth rates.
FAQ
The key risks are operational and relate to the insurance business: large catastrophe losses from events like hurricanes can significantly impact earnings. There is also competitive pricing pressure in the insurance market. From an investment perspective, limited Wall Street analyst coverage (only 4 analysts) may contribute to lower liquidity or visibility compared to larger peers.
A 12-month base case forecast, based on current valuation and analyst EPS estimates, suggests a target range of $130 to $144, with the upper bound near its 52-week high. A bull case, driven by multiple expansion, could see targets of $144 to $155. The bear case, involving significant operational setbacks, could see the stock retest its 52-week low near $107.
The data suggests HIG is undervalued. Its trailing P/E of 10.14 and forward P/E of 9.33 are reasonable, but the key signal is the PEG ratio of 0.36. A PEG below 1 typically indicates a stock is undervalued relative to its earnings growth potential. This, combined with a strong net margin of 13.6%, points to an attractive valuation.
For value and defensive investors, HIG appears to be a good buy. The stock trades at a forward P/E of 9.33 and a PEG ratio of just 0.36, signaling potential undervaluation. Furthermore, it boasts exceptional profitability with a 20.2% Return on Equity and has consistently outperformed the S&P 500 during recent market weakness, highlighting its defensive characteristics.
HIG is more suitable for a long-term investment horizon. Its value proposition (low PEG, high ROE) is a story that may take time for the market to fully appreciate. The stock's low beta (0.52) and defensive nature make it less ideal for short-term trading, but well-suited as a stabilizing, income-generating component of a long-term portfolio.