Hartford Insurance Group Inc (HIG)
Sous-évaluéFondamental
86
Prix
$122.36
Capitalisation boursière
$34.14B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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 septembre 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.
Bilan & Liquidités
Chiffre d'affaires
$1.53B
12 derniers mois (au 30/06/2026)
Résultat net
$4.37B
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$5.75B
Capitaux propres totaux
$18.98B
Passif total
$67.05B
Ratio de liquidité général
-
Couverture des intérêts
-
Dette/EBITDA
0.78
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Le poids de la dette
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$218.99
Prix actuel
$122.36
Marge de sécurité
+44.1%
Fourchette de juste valeur
$142.34 - $295.63
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
7.92
ROE
20.2%
Ratio P/B
1.69
P/FCF
5.64
Marge brute
-
ROIC
-
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
-
WACC
7.5%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (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
Échoué (2)
- EPS CAGR 2.05%
- Analyst Consensus 48% Buy
Indisponible (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Rachat d'actions. Favorable aux actionnaires
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| 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 |
Risque d'audit
8
Risque du conseil
3
Risque de rémunération
4
Risque droits des actionnaires
7
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-20
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-07-23
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-09-30
via SEC EDGAR
Historique des résultats
via SEC EDGAR
Latest News
Recent headlines for HIG, sourced from Markets Gazette.
- 21h 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