QualityDipStocks / Finance · Property-Casualty Insurers
The Hartford Insurance Group HIG
Not in a dip by our rules: 9% below its 52-week high.
A quality company trading well below our fair value estimate.
- Fair value est.
- $180.98+36%
- Market Value
- forming
- Off 52-wk high
- −9%
- Risk vs market
- Lowbeta −0.16
5 bullish · 1 bearish See why
Key levels
Every level vs today’s $132.59
- 52-wk lowlowest close, 1 year$122.36−7.7%
- PriceFri Oct 30 close$132.59you are here
- 52-wk highhighest close, 1 year$145.68+9.9%
- Fair value est.base case$180.98+36.5%
Fair value estimate
How the range is computed
Financials model (residual income). Same residual-income model as the base: cost of equity 9.5% ±1 point and return on equity 18.2% ±2 points. Bear = 10.5% and 16.2%; bull = 8.5% and 20.2%. A model estimate from public filings, not a forecast of where the price will go.
Price is below even the bear case.
What the price implies To be worth today’s price, HIG would need a return on equity of about 14% a year; our estimate uses 18%.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much HIG moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Has moved mostly independently of the market, but its own price swings are 1.6× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- -0.16
- Volatility
- 20% vs 13% SPY
- Correlation SPY
- −0.11
- Correlation QQQ
- −0.32
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
ValuationOur residual-income fair value estimate is $180.98, 36% above the price.
ValuationP/E of 7.7× is 25% below its own average of 10.3× at the last 3 fiscal year-ends.
ValuationP/E of 7.7× vs a 13.5× median for the 151 Finance companies we cover.
Cash returnsShare count down 4.2% in a year: $1.8B of buybacks over 12 months.
QualityPasses all four of our quality checks: cash generation, returns on capital, growth and balance sheet.
Top bearish points 1 of 5
ProfitabilityNet margin of 16%, below the 21% median for the 142 Finance companies we cover.
Who’s talking about it
Notable investors, executives, analysts and public figures on The Hartford Insurance Group in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.
Compare with peers
Closest in size in Property-Casualty Insurers
All fundamentals
P/E 7.7 · ROE 25% · Sales +9%
Valuation
- P/E
- 7.7×3-yr-end avg 10.3× · Finance median 13.5×
- Price / FCF
- n/acash flow isn't a clean measure for an insurer
- FCF yield
- n/acash flow isn't a clean measure for an insurer
- EV / EBITDA
- n/anot meaningful for an insurer
- Price / sales
- 1.20×
- Price / book
- 1.88×
- Market cap
- $35.5Bprice × diluted shares
- Enterprise value
- $39.7B
Growth
- Revenue, 12 months
- $29.6B
- Sales growth, 12 months
- +9.2%vs the 12 months before
- Sales growth, 3 yrs
- +8.3%/yrfrom FY2022
- Diluted EPS, 12 months
- $16.50
- EPS growth, last FY
- +28.7%
- Net income, 12 months
- $4.6B
- Net income growth
- +30%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for an insurer
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 15.5%
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 25%
- Return on invested capital
- n/anot meaningful for an insurer
Balance sheet
- Cash & short-term inv.
- $178M
- Total debt
- $4.4B
- Net cash
- n/anot meaningful for an insurer
- Debt / equity
- n/adeposits/float make debt/equity not comparable for an insurer
- Interest coverage
- n/anot meaningful for an insurer
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 1.81%$642M paid
- Payout ratio
- 14%
- Buybacks, 12 months
- $1.8B5.1% of market cap
- Share count, 1 year
- −4.2%diluted shares vs a year ago
- Stock-based comp
- n/anot reported in its SEC filings
Trailing 12 months to Sep 30, 2026; balance sheet at Sep 30, 2026. From The Hartford Insurance Group’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
Valuation details
DCF $180.98
Financials model (residual income): book value $83.70 a share on Sep 30, 2026 (preferred stock excluded), plus the earnings above a 9.5% cost of equity. ROE 18.2%, the average of 21.6% for the trailing 12 months to Sep 30, 2026 and 14.9% over fiscal 2021–2025, on average common equity; payout 50% of earnings (dividends 14% + net buybacks 36%), so book grows by the retained rest; the return above 9.5% fades halfway toward 9.5% over 10 years, then grows at 3% (terminal value). From the 10-Q filed Oct 26, 2026.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only arm once a company is in a dip.
Momentum & 52-week range
RSI 50 · 5 days −3.0%
The business
FCF $7.0B · Sales +3%
- Free cash flow, 12 months$7.0B
- Free-cash-flow yield19.7%
- Return on equity24%
- Sales growth (latest quarter vs year-ago quarter)+3%
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.
Get a text when HIG fires a reversal signal
One text when a published rule fires on HIG or any of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.