HIG
Hartford (The)
Financials · Property & Casualty Insurance · US
$132.02
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$36.2B
Trailing P/E
9.30
Forward P/E
9.20
Rev Growth
+6.1%
Profit Margin
14.1%
ROE
22.7%
Analyst Target
$149.45
Recommendation
BUY
About Hartford (The)

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.

Opportunity Summary
Trading at $132 against a fair value of $288, a 54% discount. Moderate competitive position. Fails ethical screen (Business activity screen). Ranks better than 82% of screened stocks.
Ethical Screen
Business ActivityFAIL
Debt Ratio
Cash Ratio
Receivables Ratio
Revenue Ratio
OverallFAIL
Score Ethical: 10.0
Score Valuation: 95.0
Score Quality: 49.0
Score Combined: 48.5
Fair Value Est: $288.00 · Margin of Safety: +118.1% · Tier: AVOID

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality53.9
Cash Flow100.0
Moat50.0
Balance Sheet98.7
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: GOLD · Score: 82.8 · Rank: #37
Earnings History (Last 8 Quarters)
DateEPS Est.Reported EPSSurprise %
2026-07-303.32Pending--
2026-04-233.393.09-8.8%
2026-01-293.224.06+26.2%
2025-10-273.313.77+13.8%
2025-07-282.833.41+20.4%
2025-04-242.152.20+2.5%
2025-01-302.642.94+11.2%
2024-10-242.602.56-1.4%
Quarterly Financials
PeriodRevenueNet IncomeEBITDAGross ProfitOp. IncomeEPS
2026-03-31$7.2B$856.0M3.08
2025-12-31$7.2B$1.1B4.05
2025-09-30$7.1B$1.1B3.82
2025-06-30$7.0B$995.0M3.49
2025-03-31$6.8B$630.0M2.18
2024-12-31
Insider Transactions
DateNameRoleSharesValue
2026-03-10RODDEN LORI AOfficer40,693$5.6M
2026-03-10RODDEN LORI AOfficer40,693$2.9M
2026-03-04NIDERNO ALLISON GOfficer701$98.6K
2026-02-26NIDERNO ALLISON GOfficer374$53.2K
2026-02-25TOOKER ADIN MPresident8,307$1.2M
2026-02-25TOOKER ADIN MPresident8,307$447.0K
2026-02-17COSTELLO BETH ANNChief Financial Officer28,726--
2026-02-17SWIFT CHRISTOPHER JChief Executive Officer124,383--
2026-02-17RODDEN LORI AOfficer13,030--
2026-02-17STEPNOWSKI AMY M.Officer13,030--
Top Institutional Holders
HolderSharesValue% Held
Blackrock Inc.31.7M$4.3B0.1%
Vanguard Capital Management LLC18.0M$2.4B0.1%
State Street Corporation16.1M$2.2B0.1%
Vanguard Portfolio Management LLC15.9M$2.2B0.1%
FMR, LLC11.1M$1.5B0.0%
Geode Capital Management, LLC8.2M$1.1B0.0%
Invesco Ltd.5.1M$689.1M0.0%
Dimensional Fund Advisors LP4.7M$639.2M0.0%
Nordea Investment Management AB4.4M$602.2M0.0%
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC4.4M$597.7M0.0%
Analyst Recommendations
3 Months Ago
3
7
13
23 analysts
2 Months Ago
3
7
13
23 analysts
Last Month
4
7
12
23 analysts
Current
3
7
13
23 analysts
Strong Buy Buy Hold Sell Strong Sell
Additional Fundamentals
Enterprise Value
$37.6B
Price/Book
2.02
Beta
0.504
Analysts
20
Total Revenue (TTM)
$28.8B
Total Debt
$4.4B
Earnings Growth
+41.4%
Dividend Yield
182.0%
Rec. Mean
2.26
Short Ratio
0.01
Short % Float
0.0%
Employees
19,200

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Trade Consideration
The Opportunity
Score 48.5 (P70 — top 29.9% of scored tickers). Moderate Moat. Ethical FAIL. 20 analysts at Buy.
Price: $132.02 | Target: $149.45 (+13%) | Fair Value: $288.00 (+118%)
Score
48
Moat
MODERATE
Conviction
Standard
Upside
+13%
The Fundamentals
Revenue Growth+6.1%
Profit Margin0.0%
ROE22.7%
Forward P/E9.2
Market Cap$36.2B
Earnings Track Record
DateEstimateReportedSurprise
2026-07-30$3.32Pending
2026-04-23$3.39$3.09-8.8%
2026-01-29$3.22$4.06+26.2%
2025-10-27$3.31$3.77+13.8%
2025-07-28$2.83$3.41+20.4%
2025-04-24$2.15$2.20+2.5%
Position Sizing Scenarios
Stop: $112.22 (-15%) | Entry: $132.02
SharesCostProfit to TargetR:R
To Consensus ($149.45, 20 analysts)
10$1,320.20+$174.30 (13%)0.9R
50$6,601.00+$871.50 (13%)0.9R
100$13,202.00+$1,743.00 (13%)0.9R
To Fair Value ($288.00)
10$1,320.20+$1,559.80 (118%)7.9R
50$6,601.00+$7,799.00 (118%)7.9R
100$13,202.00+$15,598.00 (118%)7.9R
Risk Factors
  • No elevated risk flags in current data
The Verdict
Hartford (The) holds a moderate competitive moat and trades at a 118.1% discount to fair value.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
60.3
Risk Grade
LOW_RISK
Layers
8
Quality: STRONG_EARNINGS_DRIFT
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.0%
worst expected daily loss, 19 in 20 days
CVaR 95%
-3.2%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.04
above 1.0 is good
Max Drawdown
-13.7%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
90
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.3x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
75.0%
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
TRV0.818
L0.809
CINF0.761
AXS0.756
CB0.754
Inverse Correlated
TickerCorrelation
BBLNF-0.166
4140.SR-0.138
INDF.JK-0.138
MARAKEZ.KW-0.136
NIND.KW-0.127
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Thursday
Worst Day
Friday
Best Month
Nov
Worst Month
Oct
Fri-Mon Effect
-0.2822244970280315
Earnings Drift

After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.

Avg Drift After Beat
+7.7%
Beat Drift Positive %
100.0%
Consistency
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+0.7%
3M Return
-3.3%
6M Return
+1.3%
12M Return
+6.7%
Momentum Rank
#2675
Momentum Signal
FLAT

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