HIG · Hartford Insurance Group, Inc.
$126.05
+0.31 (+0.25%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$33.65B
Shares
270.87M
Volume · Oct 2
1.59M
Avg daily vol (3M)
1.62M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$126.05
Open$125.76
Day$124.76–126.32
52W close$122.36–145.68
Avg vol 30d1.7M
Short int3.9M · 1.5% float · 3.1d
Short vol28%
Last earningsJul 24, 2026
DataJan 2020–Oct 2026
Filing10-Q · Jul 23
Up next
Next earnings call
Oct 24, 2026
Est · unconfirmed
· in 3 wks
filed Jul 23, 2026
call held Jul 24, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$29.33B
Trailing 12 months
Net income (TTM)
$4.37B
Trailing 12 months
Revenue growth YoY
+8.1%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
8.1
Trailing earnings · reciprocal yield 12.3%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-4.0%
Year over year · fewer shares
Price change (1Y)
-5.4%
Trailing year
Short interest
1.5%
Latest settlement · 3.1 days to cover
AI Brief
Q2 FY26 earnings call · Jul 24, 2026
Q2 FY26
TL;DR. Hartford delivered Q2 results highlighted by a new $4.2 billion share repurchase authorization (27% increase) and the announced sale of Hartford Funds to Wellington, while core earnings of $945 million grew modestly and net investment income rose 22% year-over-year; offsetting these were unfavorable prior-year reserve additions in general liability and commercial auto, a 7% decline in Personal Insurance written premiums, and a 15% decline in Employee Benefits core earnings.
Bullish
- + Board approved a new $4.2 billion share repurchase authorization, a 27% increase over the prior $3.3 billion authorization.
- + Announced agreement to sell Hartford Funds to Wellington, strategically monetizing a non-core long-term investment.
- + Net investment income rose 22% to $800 million, driven by higher limited partnership and alternative investment income.
- + Personal Insurance underlying combined ratio improved 1.7 points year-over-year to 86.3, with auto underlying combined ratio improving 1.9 points.
Bearish
- − Personal Insurance written premiums declined 7%, with auto written premiums down 10%, due to competitive market pressure.
- − Employee Benefits core earnings declined 15% year-over-year and core earnings margin fell 1.8 points to 7.4% as the group disability loss ratio increased 6.3 points.
- − Business Insurance combined ratio worsened 4.4 points to 91.4, with 2.9 points of less favorable prior-year development.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−7%
below
Price vs 50-day avg
−8%
below
RSI (14)
37
neutral
MACD trend
Negative
52-week position
16%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−10%
trailing
6-month return
−9%
trailing
YTD return
−9%
this year
Relative strength
−22%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $136 › 200d $136 — 50d above 200d
Institutional flow
Distributing
7 of 1,204 funds reported for Sep 30 · net -4.8K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.45% of float · ▼ -3.4% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,204 holders — near 3-yr high, broad support
Squeeze score
37
low risk · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+29%
Y/Y
Free cash flow
$5.8B
Valuation
P/E 8
below peers
Buyback
$7.5B
authorized
Balance sheet
$4.2B
net debt
Quant / Vol
risk profile
Volatility
20%
annualized · 1-yr
Max drawdown
−16%
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 Sep 30, 2025
Property full-year 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 Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−7%
Bearish
Price vs 50-day avg
−8%
Bearish
RSI (14)
37
Neutral
MACD trend
Negative
Bearish
52-week position
16%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $136 › 200d $136 — 50d above 200d
Institutional flow
Distributing
7 of 1,204 funds reported for Sep 30 · net -4.8K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.45% of float · ▼ -3.4% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,204 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $122
Now $126 · 16%
Range high $146
vs 200-day avg -7%
vs 50-day avg -8%
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 |
|---|---|---|---|
| Combined ratio - Automobile | 88.5% | Three Months Ended June 30, 2026 filing | — |
| Combined ratio - Homeowners | 92.6% | Three Months Ended June 30, 2026 filing | — |
| Combined Ratio - Personal Insurance | 90.1% | Three Months Ended June 30, 2026 filing | — |
| Core earnings non-GAAP | $945M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income available to common stockholders 1.29B
-40M Net realized (gains) losses, excluded from core earnings, before tax [1]
+3M Integration and other non-recurring M&A costs, before tax
+0M Change in deferred gain on retroactive reinsurance, before tax [2]
+7M Income tax expense (benefit) [3]
-318M Income from discontinued operations, net of tax
= Core earnings 945M
|
|||
| Core earnings margin non-GAAP | 7.4% | Three Months Ended June 30, 2026 filing | — |
| Effective Policy Count Retention - Automobile | 81% | Three Months Ended June 30, 2026 filing | — |
| Effective Policy Count Retention - Homeowners | 82% | Three Months Ended June 30, 2026 filing | — |
| Employee Benefits Net Income Margin | 0.8 | three months ended June 30, 2026 filing | — |
| Expense ratio | 25.2% | Three Months Ended June 30, 2026 filing | — |
| Group disability loss ratio | 74.8% | Three Months Ended June 30, 2026 filing | — |
| Group life loss ratio | 74.2% | Three Months Ended June 30, 2026 filing | — |
| Net income margin | 7.7% | Three Months Ended June 30, 2026 filing | — |
| Net new business premium - Automobile | $51 | Three Months Ended June 30, 2026 filing | — |
| Net new business premium - Homeowners | $52 | Three Months Ended June 30, 2026 filing | — |
| P&C Combined Ratio | 2.6 | three months ended June 30, 2026 filing | — |
| Policies in-force end of period - Automobile | 990K | Three Months Ended June 30, 2026 filing | — |
| Policies in-force end of period - Homeowners | 703K | Three Months Ended June 30, 2026 filing | — |
| Renewal earned price increase - Homeowners | 12% | Three Months Ended June 30, 2026 filing | — |
| Renewal written price increase - Automobile | 5.5% | Three Months Ended June 30, 2026 filing | — |
| Renewal written price increase - Homeowners | 10.4% | Three Months Ended June 30, 2026 filing | — |
| Total loss ratio | 72.5% | Three Months Ended June 30, 2026 filing | — |
| Underlying combined ratio - Automobile non-GAAP | 93.3% | Three Months Ended June 30, 2026 filing | — |
| Underlying combined ratio - Homeowners non-GAAP | 73.3% | Three Months Ended June 30, 2026 filing | — |
| Underlying combined ratio - Personal Insurance non-GAAP | 86.3% | Three Months Ended June 30, 2026 filing | — |
| Underlying loss and loss adjustment expense ratio - Personal Insurance non-GAAP | 60% | Three Months Ended June 30, 2026 filing | — |
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.
|
$33.65B | -8.5% | +6.9% | 8.0 | 1.5% |
|
BRK-B
Berkshire Hathaway Inc
|
$707.57B | +0.0% | +0.0% | — | 0.9% |
|
SLF
Sun Life Financial Inc
|
$44.43B | +25.9% | — | — | 0.7% |
|
AIG
American International Group, Inc.
|
$38.15B | -12.4% | -1.7% | 13.3 | 2.0% |
|
ACGL
Arch Capital Group Ltd.
|
$32.36B | -2.4% | +14.3% | 7.4 | 2.1% |
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 | +1.5% | -10.0% | -9.4% | +3.0% | -8.5% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +1.7% | -9.5% | -21.5% | +2.1% | -21.4% |
Capital returns
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)
25 filings
21 filers
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