Hartford (The) (HIG)
Financials · Property and casualty insurance; employee benefits
A diversified property-and-casualty and employee benefits insurer serving businesses and individuals, with a strong recurring revenue base from AARP-branded personal insurance and a portfolio spanning workers' compensation, general liability, commercial property, and group benefits.
What Hartford (The) does
The Hartford is a multi-line insurance company operating through five reportable segments: Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds. The Business Insurance segment covers employers and mid-market/large businesses with workers' compensation, general liability, commercial property, commercial automobile, professional liability, marine, surety bonds, and assumed reinsurance. Personal Insurance is built on an exclusive licensing agreement with AARP through 2032, serving the 50+ population. The Employee Benefits segment provides group benefits products including term life, disability, and long-term care insurance. Hartford Funds operates a mutual fund and ETF business generating management fee income. The company derives revenue from earned premiums, investment income, management fees, and realized gains on invested assets.
Themes: ["Property and casualty insurance","Commercial insurance","Small business and mid-market insurance","AARP partnership / 50+ population","Employee benefits","Group life and disability insurance","Asset management / mutual funds","Underwriting discipline and risk selection","Rate regulation and pricing"]
Fundamentals
- Price$138.52 as of 2026-07-09 close
- Market cap$38.1B as of 2026-07-10
- 1-year return+13.7% as of 2026-07-09 close
- P/E9.37 as of 2026-07-10
- Net margin+14.1% as of 2026-07-10
- ROE+22.0% as of 2026-07-10
- Debt / equity0.23 as of 2026-07-10
- Revenue growth (YoY)+6.9% as of 2026-07-10
- Revenue CAGR (3y)+8.3% SEC XBRL
- Beta0.47 as of 2026-07-10
Dividend: yield +1.7%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Regulatory approval required for premium rate changes across state insurance departments; inability to obtain adequate rates could compress profitability","Pricing risk in Employee Benefits business as policies carry average 3-year rate guarantees; adverse loss and expense trends or lower-than-expected investment returns during the guarantee period could prove inadequate","Dependence on AARP brand and exclusive licensing agreement renewal; loss of or material reduction in AARP business would significantly impact Personal Insurance segment profitability"]
Competitors & peers
- State Auto Financial
- Chubb Limited
- Allstate
- Travelers
- Hanover Insurance
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.