Hartford Insurance Group Inc (HIG)
InfravaloradaFundamental
86
Precio
$123.66
Capitalización Bursátil
$34.14B
Parte 1 · Cuánto vale la empresa
Resumen
The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 18 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
Travelers is the closest match to Hartford's business mix, selling small and middle-market commercial property-casualty policies plus personal auto and home through the same U.S. independent agents and brokers.
CNA is a pure commercial P&C carrier writing the same small-business, middle-market and specialty lines — including workers' compensation and professional liability — for U.S. companies.
W. R. Berkley fights for the same specialty and excess-and-surplus commercial accounts that Hartford's Global Specialty line targets, quoting against it on the same submissions.
Unum is the direct rival of Hartford's Employee Benefits segment, selling group disability, group life and leave-management services to the same employers.
Chubb competes head-on for the same commercial customers, from business owner's policies for small firms to specialty and large-account coverage placed through the same broker channel.
Liberty Mutual, a policyholder-owned insurer with no listed stock, is one of the largest U.S. writers of both small-commercial and personal auto and home policies, the two markets where Hartford sells.
Balance y Liquidez
Ingresos
$1.53B
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$4.37B
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$5.75B
Patrimonio Neto Total
$18.98B
Pasivo Total
$67.05B
Ratio de Liquidez
-
Cobertura de Intereses
-
Deuda/EBITDA
0.78
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$218.99
Precio Actual
$123.66
Margen de Seguridad
+43.5%
Rango de Valor Justo
$142.34 - $295.63
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
7.92
ROE
20.2%
Ratio P/B
1.69
P/FCF
5.64
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
7.5%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (20)
- EPS shows upward trend
- Price CAGR 11.09%
- P/FCF 5.64
- P/B Ratio 1.69
- Debt/Equity ratio
- Positive Free Cash Flow
- CapEx intensity
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Undervalued)
- ROE 23.0%
- Revenue Growth 5Y 6.7%
- Earnings Surprise avg 9.1%
- PEG Ratio 0.34
- Earnings Quality (OCF/NI) 1.35
- Share Dilution -4.2%
- Net Margin Trend 284.7% vs 266.4%
- Piotroski F-Score 6/9
Fallido (2)
- EPS CAGR 2.05%
- Analyst Consensus 48% Buy
No disponible (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Christopher Jerome Swift CPA | Chairman & CEO | 64 |
| Mr. Adin Morris Tooker | President | 55 |
| Ms. Beth A. Costello CPA | Executive VP & CFO | 57 |
| Ms. Amy Marie Stepnowski | Executive VP & Chief Investment Officer | 56 |
| Mr. Donald Christian Hunt J.D. | Executive VP & General Counsel | 54 |
| Mr. Jeffery Hawkins | Chief Data, AI & Operations Officer | - |
| Mr. Allison Gayle Niderno | Senior VP, Controller & Principal Accounting Officer | 45 |
| Mr. Shekar Pannala | Executive VP & Chief Information Officer | 54 |
| Ms. Kate Jorens | SVP, Treasurer & Head of Investor Relations | - |
| Ms. Claire H. Burns | Chief Marketing & Customer Officer | 56 |
Riesgo de Auditoría
8
Riesgo del Consejo
3
Riesgo de Compensación
4
Riesgo de Derechos del Accionista
7
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-20
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-07-23
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-30
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for HIG, sourced from Markets Gazette.
- 1d agoNEUTRALHartford Insurance Group Names A. Morris Tooker as Its Next CEO
The Hartford Financial Services Group, Inc. has announced A. Morris Tooker will succeed Christopher Swift as CEO, concluding Swift's extensive 13-year tenure. Tooker, currently President, will transition into the chief executive role. This leadership change is a standard corporate event, typically viewed with neutrality by the market unless accompanied by significant strategic shifts or performance concerns. Investors will be watching for Tooker's initial strategic directives and their potential impact on the company's future performance and shareholder value.
via Markets Gazette