Hartford Insurance Group IncHartford Insurance Group Inc
Hartford Insurance Group Inc

Hartford Insurance Group Inc

HIG
Financials·Insurance

The Hartford Insurance Group, Inc. is an insurance and financial services company. It operates through the following segments: Commercial Lines, Personal Lines, Property & Casualty Other Operations, Group Benefits, Hartford Funds, and Corporate. The Commercial Lines segment provides workers' compensation, property, automobile, liability and umbrella coverage under several different products. The Personal Lines segment offers standard automobile, homeowners, and personal umbrella coverage to individuals. The Property & Casualty Other Operations segment includes certain property and casualty operations, managed by the company, that have discontinued writing new business and substantially all of the company's asbestos and environmental exposures. The Group Benefits segment provides group life, accident, and disability coverage, as well as group retiree health and voluntary benefits. The Hartford Funds segment offers investment products for retail and retirement accounts and provides investment management and administrative services. The Corporate segment includes corporate category discontinued operations, reserves for run-off structured settlement, and terminal funding agreement liabilities, restructuring costs, and capital raising activities. The company was founded by Terry Nathaniel on May 10, 1810, and is headquartered in Hartford, CT.

Connecticut; U.S.A
Market cap
No dataNo data
Revenue
$28.4B+6.9% YoY
Net income
$3.8B+23.3% YoY
Free cash flow
$5.8B−0.2% YoY

Market

Listed stock
HIGPriceNYSE
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Financial performance

Revenue
$28.4B+6.9% YoY
Operating income
$4.8B+23.0% YoY
Net income
$3.8B+23.3% YoY
Free cash flow
$5.8B−0.2% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $22.4B, 2022 $22.4B, 2023 $24.5B, 2024 $26.5B, 2025 $28.4B. Operating income: 2021 $2.9B, 2022 $2.3B, 2023 $3.2B, 2024 $3.9B, 2025 $4.8B. Net income: 2021 $2.4B, 2022 $1.8B, 2023 $2.5B, 2024 $3.1B, 2025 $3.8B. Free cash flow: 2021 $4B, 2022 $3.8B, 2023 $4B, 2024 $5.8B, 2025 $5.8B. Reference line: Reference at $0.

Growth & profitability

Revenue growth
6.9%−128 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $2.9B, 2022-12-31 $2.3B, 2023-12-31 $3.2B, 2024-12-31 $3.9B, 2025-12-31 $4.8B. Net income: 2021-12-31 $2.4B, 2022-12-31 $1.8B, 2023-12-31 $2.5B, 2024-12-31 $3.1B, 2025-12-31 $3.8B. Free cash flow: 2021-12-31 $4B, 2022-12-31 $3.8B, 2023-12-31 $4B, 2024-12-31 $5.8B, 2025-12-31 $5.8B

Growth heatmap

2022202320242025CAGR
Revenue
-0.1%
+9.7%
+8.2%
+6.9%
+6.1%
Gross profit
-7.5%
+11.6%
+13.3%
+13.2%
+7.3%
Operating income
-18.5%
+35.4%
+23.7%
+23.0%
+13.8%
Free cash flow
-3.2%
+4.5%
+43.9%
-0.2%
+9.8%

Earnings quality

Operating cash flow
$5.9B+0.2% YoY
Net income
$3.8B+23.3% YoY
Free cash flow
$5.8B−0.2% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 154%, 2024-12-31 190%, 2023-12-31 169%, 2022-12-31 221%, 2021-12-31 173%. Free cash flow: 2025-12-31 150%, 2024-12-31 185%, 2023-12-31 160%, 2022-12-31 211%, 2021-12-31 167%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
No data
Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
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Net debt
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Current ratio
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Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
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Return on assets
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Return on invested capital
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Asset turnover
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Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
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Price to sales
No data
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EV / EBITDA
No data
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Free cash flow yield
No data
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