HIG · Hartford Insurance Group, Inc.
$137.57
-1.39 (-1.00%)
At close · Aug 19
Market Cap
$37.25B
Shares
270.87M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$138.96
Open$139.37
Day$137.79–139.39
52W close$122.36–145.68
Avg vol 30d1.6M
Short int4.7M · 1.7% float · 2.6d
Short vol40%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 23
Up next
Next earnings call
Oct 24, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 23, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
+1%
above
RSI (14)
49
neutral
MACD trend
Negative
52-week position
71%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−2%
trailing
6-month return
−1%
trailing
YTD return
+1%
this year
Relative strength
−12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $137 › 200d $136 — 50d above 200d
Institutional flow
Distributing
-0% holders QoQ · +110 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.75% of float · ▼ -3.2% MoM · 2.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,190 holders — near 3-yr high, broad support
Squeeze score
51
elevated · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+29%
Y/Y
Free cash flow
$5.8B
Buyback
$7.5B
authorized
Balance sheet
$10.9B
net debt
Quant / Vol
risk profile
Volatility
19%
annualized · 1-yr
Max drawdown
−12%
past year
ATR
2.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Oct 27, 2023
Share repurchases
· the fourth quarter
$350M
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
Property written premium
· full year
$3.3B
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+2%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
71%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $137 › 200d $136 — 50d above 200d
Institutional flow
Distributing
-0% holders QoQ · +110 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.75% of float · ▼ -3.2% MoM · 2.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,190 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $122
Now $139 · 71%
Range high $146
vs 200-day avg +2%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized investment yield excluding limited partnerships and other alternative investments non-GAAP | 4.6% | Six Months Ended Jun 30 2026 | — |
| Annualized investment yield, after tax | 3.9% | Q2 2026 | — |
| Annualized investment yield, before tax | 4.9% | Q2 2026 | — |
| Annualized investment yield, before tax, excluding LPs non-GAAP | 4.7% | Q2 2026 | — |
| Annualized LP yield, before tax | 7.6% | Q2 2026 | — |
| Automobile Policies In-Force (in thousands) | 990K | Jun 30 2026 | — |
| Book value per diluted share (ex. AOCI) non-GAAP | $78.91 | Jun 30 2026 | — |
| Business Insurance combined ratio | 91.4 | Three Months Ended Jun 30 2026 | — |
| Business Insurance loss and loss adjustment expense ratio | 60.4 | Three Months Ended Jun 30 2026 | — |
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| Business Insurance underlying combined ratio non-GAAP | 89.3 | Three Months Ended Jun 30 2026 | — |
| Business Insurance underlying loss and loss adjustment expense ratio non-GAAP | 58.3 | Three Months Ended Jun 30 2026 | — |
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| Business Insurance written premiums | $4.02B | Three Months Ended Jun 30 2026 | — |
| Capital returned to stockholders | $615M | Three Months Ended Jun 30 2026 | — |
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| Common stockholder dividends paid | $165M | Three Months Ended Jun 30 2026 | — |
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| Core earnings non-GAAP | $139M | Jun 30 2026 | — |
| Core earnings margin non-GAAP | 7.4% | Three Months Ended Jun 30 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income margin $7.7M
-$0.5M Net realized (gains) losses, before tax
+$0.1M Income tax expense (benefit) on items excluded from core earnings
+$0.1M Impact of excluding buyouts from denominator of core earnings margin
= Core earnings margin $7.4M
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| Core earnings per diluted share non-GAAP | $6.32 | Six Months Ended Jun 30 2026 | — |
| Core earnings ROE non-GAAP | 18.7% | Last Twelve Months Ended Jun 30 2026 | -3.6% |
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| Effective Policy Count Retention | 82% | Jun 30 2026 | — |
| Employee Benefits core earnings margin non-GAAP | 7.4% | Q2 2026 | — |
| Employee Benefits expense ratio | 25.2% | Q2 2026 | — |
| Employee Benefits fully insured ongoing premium growth | 5% | Three Months Ended Jun 30 2026 | — |
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| Employee Benefits loss ratio | 72.5% | Q2 2026 | — |
| Employee Benefits net income margin | 7.7% | Q2 2026 | — |
| Fully insured ongoing premiums | $1.68B | Q2 2026 | — |
| Global Specialty Gross New Business Premium | $274M | Jun 30 2026 | — |
| Global Specialty Renewal Written Price Increases | 5.5% | Jun 30 2026 | — |
| Group disability loss ratio | 74.8% | Q2 2026 | — |
| Group life loss ratio | 74.2% | Q2 2026 | — |
| Homeowners combined ratio | 92.6% | Q2 2026 | — |
| Homeowners Effective Policy Count Retention | 82% | Jun 30 2026 | — |
| Homeowners Net New Business Premium | $52M | Jun 30 2026 | — |
| Homeowners Policies In-Force (in thousands) | 703K | Jun 30 2026 | — |
| Homeowners underlying combined ratio | 73.3% | Q2 2026 | — |
| Middle Market Net New Business Premium | $203M | Jun 30 2026 | — |
| Middle Market Premium Retention | 81% | Jun 30 2026 | — |
| Middle Market Renewal Written Price Increases | 3.5% | Jun 30 2026 | — |
| Net favorable PYD in core earnings, before tax | $59M | Q2 2026 | — |
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| Net New Business Premium | $51M | Jun 30 2026 | — |
| Personal Automobile combined ratio | 88.5% | Q2 2026 | — |
| Personal Automobile underlying combined ratio | 93.3% | Q2 2026 | — |
| Personal Insurance combined ratio | 90.1 | Three Months Ended Jun 30 2026 | — |
| Personal Insurance expense ratio | 26.3% | Q2 2026 | — |
| Personal Insurance loss and loss adjustment expense ratio | 63.8 | Three Months Ended Jun 30 2026 | — |
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| Personal Insurance renewal written price increases in automobile | 5.5% | Q2 2026 | — |
| Personal Insurance renewal written price increases in homeowners | 10.4% | Q2 2026 | — |
| Personal Insurance underlying combined ratio non-GAAP | 86.3 | Three Months Ended Jun 30 2026 | — |
| Personal Insurance underlying loss and loss adjustment expense ratio | 60% | Q2 2026 | — |
| Personal Insurance written premiums | $915M | Three Months Ended Jun 30 2026 | — |
| Portfolio duration | 4.1 | Jun 30 2026 | — |
| Renewal Written Price Increases | 10.4% | Jun 30 2026 | — |
| Shares repurchased | $450M | Three Months Ended Jun 30 2026 | — |
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| Small Business Policies In-Force (in thousands) | 1.71M | Jun 30 2026 | — |
| Small Business Policy Count Retention | 83% | Jun 30 2026 | — |
| Small Business Renewal Written Price Increases | 4.1% | Jun 30 2026 | — |
| Total sales | $175M | Jun 30 2026 | — |
| Underlying combined ratio - Global Specialty non-GAAP | 85.8% | Three Months Ended Jun 30 2026 | — |
| Underlying combined ratio - Homeowners non-GAAP | 73.3% | Three Months Ended Jun 30 2026 | — |
| Underlying combined ratio - Middle & Large Business non-GAAP | 95.3% | Three Months Ended Jun 30 2026 | — |
| Underlying combined ratio - Personal Automobile non-GAAP | 93.3% | Three Months Ended Jun 30 2026 | — |
| Underlying combined ratio - Small Business non-GAAP | 86.5% | Three Months Ended Jun 30 2026 | — |
| Underlying loss and loss adjustment expense ratio non-GAAP | 57.7% | Six Months Ended Jun 30 2026 | — |
| Underwriting gain (loss) non-GAAP | $203M | Six Months Ended Jun 30 2026 | — |
| Core earnings ROE, last 12-months non-GAAP | 20.3% | Q1 FY2026 | — |
| Combined ratio | 88.3% | Year Ended Dec 31 2025 | — |
| Net income margin | 7.8% | Year Ended Dec 31 2025 | — |
| Underlying combined ratio non-GAAP | 88.5% | Year Ended Dec 31 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Diversified — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HIG
this stock
Hartford Insurance Group, Inc.
|
$37.25B | +0.8% | +6.9% | 8.9 | 1.7% |
|
BRK-B
Berkshire Hathaway Inc
|
$708.43B | -0.6% | +0.0% | — | 0.9% |
|
SLF
Sun Life Financial Inc
|
$44.70B | +28.9% | — | — | 0.9% |
|
AIG
American International Group, Inc.
|
$39.80B | -11.5% | -1.7% | 13.9 | 1.4% |
|
ACGL
Arch Capital Group Ltd.
|
$33.75B | +2.7% | +14.3% | 7.8 | 2.4% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HIG | -0.1% | -2.1% | -1.5% | -2.1% | +0.8% |
| SPY | -0.4% | +2.6% | +10.7% | +2.7% | +12.5% |
| vs SPY | +0.3% | -4.7% | -12.2% | -4.8% | -11.7% |
Capital returns
Latest dividend
$0.60
/ share · ex Jun 1, 2026
Declared · upcoming
$0.60
/ share · ex Sep 1, 2026
Paid (TTM)
$2.32
/ share · 4 payouts
Dividend yield (TTM, derived)
1.67%
Buyback programs
· 2 active
· as of Jul 23, 2026
Authorized (total)
$7.50B
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
874766
CUSIP
416515104
13F (30d)
1055 filings
1006 filers
Visit website
Investor relations